We are a local company of Independent Financial Advisers (IFAs) based in Inverness and Glasgow who pride ourselves on fair, transparent and professional advice. The roots of the business are firmly embedded in the Highlands and it has evolved from its original history as a small brokerage established in 1990. It has gone through a number of changes over the last few years, with the most notable involving a change to Ltd company status in 2009 and a more recent merger in 2016 with Advanced Retirement Planning to create the new firm. We have a very loyal group of clients and connections and work on a referral basis. We charge a combination of fees and commission for the work we conduct on behalf of clients.
Advanced Investment & Retirement Planning have individual and corporate clients located across the length and breadth of the UK as well as a number of ex-pats primarily working globally in the oil and gas industry. In order to provide our clients with a complete service we therefore we work in tandem with an extensive list of lawyers and accountants in the UK in order to provide additional services for our clients in all areas of legal and specialist tax work which we are unable to provide specific advice on.
The business has two main advisers who are also directors – Ross Smith and Ferrier Pryde. Ross has been involved in financial services for the last 21 years having previously worked at Standard Life, Scottish Widows, Friends Provident and Positive Solutions to name a few. He is level 4 qualified after completing the Institute of Financial Services Diploma for Financial Advisers in May 2011. He is currently studying towards becoming a Chartered Financial Planner which should be completed in 2018.
Ferrier Pryde, who works out of the Glasgow office, has been involved in financial services for over 24 years since starting out with Standard Life in one of their Actuarial Departments. Since then he has worked for Aegon, Spence & Partners/Dalriada Trustees, who are one of the largest independent Actuarial and Pension Trustee consultancies in the UK, and a large IFA practice in Glasgow. He is level 4 qualified and a pension specialist including extensive knowledge of defined benefit pension schemes. Ferrier also has a high degree of knowledge in both PAYE, personal and corporate tax and estate planning.
Ross and Ferrier also have a co-director in Jim Smith. He is the Principal of Advanced Financial Planning in Inverurie which is a separate successful financial practice in the North East.
Jim Smith is a fully qualified IFA holding the Diploma in Financial Planning with the Personal Finance Society. He is also a founder member of the Institute of Financial Planning. He trained as a Chartered Accountant and has an honours degree from the University of Strathclyde Business School. He covers most aspects of financial planning but in particular Inheritance Tax* planning.
Stephanie joined us in November 2013, before which she studied for four years at Glasgow Caledonian University to get her BA (Hons) in Finance, Investment and Risk Management. Since joining Advanced Investment & Retirement Planning, she has been partaking in numerous training courses and has recently passed her level 4 Diploma in Financial Services. Stephanie is in the process of being appointed as a mortgage adviser and is responsible for dealing with the mortgage enquiries but also helps with paraplanning for the main advisers.
We have also added a new Paraplanner to the team – Mike Ford. Mike has worked in financial services roles for many years and brings with him a wealth of knowledge from his time at Scottish Widows and HSBC amongst others. Mike’s main responsibilities are to provide support, assistance and research to Ferrier, Ross and Stephanie.
We also have Diane MacLeod working alongside us as the Office Manager. Diane joined us in January 2015 from outside of financial services and brings with her a wealth of experience and understanding of dealing with customers and ensuring the day to day enquiries of running a busy practice are dealt with efficiently.
Finally, we have Barney who is the official office couch warmer. Barney can be found most days sleeping in Ross’s office and is a well-known part of the team to many existing clients.
* Tax planning is not regulated by the Financial Conduct Authority.
The Office Couch Warmer