Advanced Financial Planning

Restricted - Whole of Market  80 High Street, Inverurie, Aberdeenshire, AB51 3XS
First meeting at adviser's own cost
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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Pension consolidation
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Pension drawdown
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Pensions & divorce
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Pensions & retirement planning
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Pensions review
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Pensions transfer
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SIPPs
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Bad credit
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Building your home
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Buy to let
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Buying commercial property
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Buying first home
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Equity release
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Flexible mortgages
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High loan to value
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Mortgage protection
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Next home / Remortgaging
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Right to buy
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Self-employed mortgages
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Wealth management
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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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Investment trusts
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OEICs
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Offshore investments
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Socially responsible investments
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Unit trusts
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Lump sum
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National savings
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Regular savings
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Savings for children
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School fees planning
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Accident & sickness
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Critical illness
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Healthcare
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Income protection insurance
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Life insurance
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Capital gains tax
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Estate planning
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Income tax
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Taxation planning
Response rating
7.0/10
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FCA authorised
Last authorised 17th February 2020
Meet our advisers
Craig Loney
Chartered Financial Planner

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.

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.

This examination assesses the candidate to develop in depth financial planning skills related to personal and corporate pensions.

To achieve DipPFS individuals must achieve 140 credits. At least 80 credits must be at Diploma or AFPC level.

To achieve the CertPFS (DM) and individual needs to pass 2 diploma units in Regulation and ethics and Discretionary Investment Management

Accreditations
Chartered Financial Planner
Garry McDonald
Financial Adviser

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
‘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
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
‘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
‘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 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
‘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 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
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

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
Response rating
7.0/10
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FCA authorised
Last authorised 17th February 2020

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