We can advise you on
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Mortgages
- Bad credit
- Buy to let
- Equity release
- First time buyers
- Flexible
- High loan to value
- Remortgage
- Residential
- Right to buy
- Self build
- Self employed
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Investments
- Ethical investments
- Investing for income
- Investment trusts
- ISAs
- OEICs
- Offshore investments
- Socially responsible investments
- Unit trusts
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Insurance & protection
- Buildings and contents
- Critical illness
- Healthcare
- Home and leisure
- Income protection insurance
- Life insurance
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Business
- Commercial mortgages
- Corporate pension
- Group pensions
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Savings
- Lump sum
- National savings
- Regular savings
- Savings for children
- School fees planning
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Financial planning
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Tax & trust planning
- Capital gains tax
- Estate planning
- Income tax
- Taxation planning
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Pensions & retirement
- Annuity purchase
- Auto enrolment
- Pension consolidation
- Pension drawdown
- Pensions & divorce
- Pensions & retirement planning
- Pensions review
- Pensions transfer
- Sipps
- Stakeholder
Meet our advisers
David Young
Independent Financial Adviser
Qualifications & Accreditations
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DipFA - Diploma for Financial Advisers (IFS)
The Diploma enhances knowledge in core areas such as regulation, investment principles, risk, taxation and personal financial planning using real-life scenarios to develop the essential skills to apply this technical knowledge in practice
CeMAP - Certificate in Mortgage Advice and Practice (IFS)
This qualification assesses a knowledge and understanding of the UK regulation environment in the financial services industry, mortgage products, repayment options and the giving of mortgage advice.
Andrew Dawkins ACII, DipPFS, Cert CII(MP), Chartered Insurer
Director
Qualifications & Accreditations
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ACII - Associateship Examination (CII)
Associate members are those who have gone on to secure more advanced qualifications by completing the Advanced Diploma in Insurance or its predecessor the Associateship. This shows a commitment to continuous professional development.
Dip PFS - Personal Finance Society Diploma (PFS)
To achieve DipPFS individuals must achieve 140 credits. At least 80 credits must be at Diploma or AFPC level.
Ian Cope
Mortgage & Protection Specialist
Qualifications & Accreditations
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CeMAP - Certificate in Mortgage Advice and Practice (IFS)
This qualification assesses a knowledge and understanding of the UK regulation environment in the financial services industry, mortgage products, repayment options and the giving of mortgage advice.
Gordon Lowrie
Independent Financial Adviser
Qualifications & Accreditations
Hide qualifications
CeMAP - Certificate in Mortgage Advice and Practice (IFS)
This qualification assesses a knowledge and understanding of the UK regulation environment in the financial services industry, mortgage products, repayment options and the giving of mortgage advice.
What our clients say
There are many great things about A.R.D. but one of the best is being able to pick up the 'phone or drop them an email with virtually any question about financial matters and getting a very fast reply from them, with expert knowledge in therms that make sense to us!
Allan & Charlotte Jardine, Dunfermline
We have been clients of A.R.D. for many years and have always found all the staff extremely helpful and responsive. The advice Andrew has given us has always been sound and we have seen our portfolios grow over this time. It is always a pleasure to meet with Andrew to review our portfolios and he has always given a lot of thought beforehand on how we should progress over the next year.
When our daughter was looking to buy her first flat Andrew spent time with her discussing the various mortgage options before advising on the ones which were best suited to her financial status, thus giving her the confidence to take the big step onto the property market.
Kenneth & Alison Ashford, Livingston
Andrew has gave us sound financial advice even in these turbulent times. Andrew laid out possible financial options for us, some high risk and some medium risk and explained the potential impact but never pressurised us into signing up to any.
Andrew offers a full menu of financial options to help spread our risk and bring us more long term benefits.
Andrew and Rachel always give you a warm greeting and give you the confidence that they actually know what they are talking about and are in it for the long term!
Graham & Mhairi Stewart, Falkirk
About us
A.R.D. Consultancy are a team of friendly, approachable and professional advisers, offering independent financial advice across Central Scotland.
We want to help you make the best financial decisions possible to achieve your goals, no matter what stage of life or business you are at.
Let us use our knowledge and experience to work in partnership with you to find the right solution.
Invest In YOUR Future, with A.R.D. Consultancy.
Our services
We pride ourselves on our customer service ethic. Our after sales service is hard to beat. The care and attention we give our customers is second to none, not just on initial contact with us, but on an ongoing basis and throughout your life. Our customers really appreciate the way they are looked after, and we receive many positive letters of thanks to support this.
Compliance
A. R. D. Consultancy Limited is authorised and regulated by the Financial Conduct Authority under reference number 507921. Registered in Scotland under company number 334089. Registered address: 9 Melville Street, Falkirk, FK1 1HZ
