Advanced Financial Planning
We pride ourselves on delivering simple and transparent financial advice for our clients, forging relationships that will last throughout their working lives and beyond.
We can advise you on
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Pensions & retirement
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Pension consolidation
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Pensions & retirement planning
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Buying commercial property
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Mortgage protection
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Next home / Remortgaging
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Self-employed mortgages
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Financial planning
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Ethical investments
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ISA / Unit Trusts / OEICs
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Investing for income
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Offshore investments
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Socially responsible investments
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Savings for children
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School fees planning
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Insurance & protection
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Accident & sickness
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Income protection insurance
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Tax & trust planning
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Last authorised 26th October 2020
Meet our advisers
Craig Loney
Chartered Financial Planner
Qualifications & Accreditations
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APFS - Associate, Personal Finance Society (PFS)
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To achieve the Associateship grade, individuals would be required to have 6 AFPC (Diploma) units or equivalent. This shows a commitment to continuous professional development.
Chartered Financial Planner (CII)
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Having achieved the APFS designation, advisers can go onto to achieve this recognisable benchmark of quality and ethical practice for financial services professionals, elevating financial planning and advice in the public eye to the same standing as other Chartered professions. The holder must demonstrate a combination of experience, financial qualifications, ongoing educational activity (continuous professional development) and ethical behaviour.
AF3 - Pension Planning (CII)
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This examination assesses the candidate to develop in depth financial planning skills related to personal and corporate pensions.
Dip PFS - Personal Finance Society Diploma (PFS)
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To achieve DipPFS individuals must achieve 140 credits. At least 80 credits must be at Diploma or AFPC level.
CertPFS (DM) - Certificate Personal Finance Society (PFS)
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To achieve the CertPFS (DM) and individual needs to pass 2 diploma units in Regulation and ethics and Discretionary Investment Management
Garry McDonald
Financial Adviser
Qualifications & Accreditations
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DipFA - Diploma for Financial Advisers (LIBF)
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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
What our clients say
‘I have had the good fortune to be looked after by Jim Smith for 25 years or so. I have always found him very knowledgeable, helpful and a pleasure to deal with. I can’t recommend him and his financial practice too highly’
JR, Stirling
‘I have been a client of Advanced Financial Planning for over 20 years. I have complete confidence in the team headed up by Jim Smith. Advice is completely independent of bias and focuses on the clients best financial interests.’
Arthur, Aberdeenshire
‘I have always found Advanced Financial Planning to be very professional, always keeping in touch with their clients and the staff are all very knowledgeable, friendly and very easy to deal with. I have recommended a few friends to AFP and they too are more than happy with their services that are on offer.’
Richard, Aberdeen
‘We have been clients of Advanced Financial Planning Scotland Limited for over twenty years. During that time we have worked with Jim Smith on financial planning and investments that have evolved as our needs changed to retirement planning and pension provisions. We have always received sound advice and appreciate the personal service provided.’
Cathy & Richard, Westhill
‘I have used AFP for well over twenty years and their in depth knowledge and professionalism has proved invaluable to my financial wellbeing. I have recommended them to family and various colleagues who have similarly benefited.’
D Hutchison, Aberdeen
When seeking financial guidance after my retirement, I was delighted to have found the experienced and trustworthy leadership provided by AFP. Anxieties about money matters were rapidly resolved as I was guided towards excellent solutions on wealth management, family protection and inheritance tax. Altogether this, and the continued support offered, has given our family much greater confidence in the future. Responses to ongoing financial/investment queries are always dealt with in a prompt and sympathetic manner. Indeed, over the years, members of AFP have become genuine family friends to whom we can turn for advice.’
Mike, Aberdeen
‘My husband and I have been with AFP for approximately 30 years during which time we have obviously had continuity with both our advisor Jim Smith and his very efficient administrative staff. During this time our financial needs have changed from having to provide for a young family, see them through university and now into retirement. Jim’s advice has reflected and catered for these needs in a way that has been seamless for us, any queries promptly answered, anything we have not fully understood, explained. Our experience with AFP has been nothing but positive.’
Kath, Elgin
About us
Our experienced, qualified financial advisers have been serving clients both private and corporate across Aberdeen City and Shire and the wider UK for over 30 years. Whatever your financial requirements are, with Advanced Financial Planning you’re in safe hands. We pride ourselves on delivering simple and transparent financial advice for our clients, forging relationships that will last throughout their working lives and beyond.
Successful planning is all about expertise and regular review and in particular in identifying and managing change. Once an agreement has been made to do business, our clients commit to regular (at least annual) reviews in order to ensure financial plans are on track, and to make amendments or additions as may become necessary as circumstances evolve.
Our services
Our approach is simple. If we look after our clients then they will not want to go anywhere else – it is very much focused on long term client relationships, which often leads to intergenerational planning.
Where to find us
Head office address: 80 High Street, Inverurie, Aberdeenshire, AB51 3XS
Preferred clients
Minimum wealth (income/assets)
£100,000
Minimum pension value
£100,000
Minimum mortgage value
£0
Advice methods
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Telephone
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Online (Live chat, video, email)
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Face to face
Compliance
Your home may be repossessed if you do not keep up
repayments on your mortgage.
Some buy to let mortgages are not regulated by the Financial Conduct Authority.
HM Revenue and Customs practice and the law relating to taxation are complex and subject to individual circumstances and changes which cannot be foreseen.
The value of investments and any income from them can fall as well as rise and you may not get back the original amount invested.
