Advanced Investment & Retirement Planning Ltd
A local firm of Independent Financial Advisers who pride ourselves on providing fair, well researched and transparent financial advice.
We can advise you on
Pensions & divorce
Pensions & retirement planning
Buy my next home
Buy to let
Buying first home
High loan to value
Next home / Remortgaging
ISA / Unit Trusts / OEICs
Investing for income
Socially responsible investments
Savings for children
School fees planning
Buildings and contents
Income protection insurance
Group Protection/Life Insurance
Group critical illness
Group income protection
Group life insurance
Last authorised 19th October 2020
Meet our advisers
Ross Smith DipFA CeMAP MIFS
Qualifications & Accreditations
CeMAP - Certificate in Mortgage Advice and Practice (LIBF)
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.
DipFA - Diploma for Financial Advisers (LIBF)
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
Is always available for advice on any financial matters, I can ring Ross at any time, and always get a prompt return call if he is engaged when I call.We have had really sound advice and planning towards our future financial decisions, while he is very honest, if he feels he needs to look into something beforehand, he will say so quite categorically. I worked in banking for much of my career, and know a little about finance, and we are really happy with the service. He comes highly recommended!
Having taken over from our previous FA of many years, he has continued the excellent service we have come to expect.Over the changing circumstances, from full time work > part time work following early retirement > and now fully retired. Guiding us through the financial crash and minimising our losses, we have had complete confidence in him. He is always fully aware of our needs and objectives.
Ross has provided me with financial advice for the last three and a half years. This has seen me into my retirement and the selling of my house. A number of different financial scenarios have arisen in this time. He has always been clear and comprehensive when discussing with me the various options. He advises me each time I see him of his responsibilities and obligations. He has been willing to undertake consultations at home. He or his secretary are prompt in responding to my queries.
We are a small, local based company 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 the original business belonging to Rod MacDonald (IFA), dating back to the 1990’s. It has gone through a number of changes over the last few years, with the most notable involving a change to Limited company status in 2009. We have a very loyal group of clients and connections and work on a referral basis.
The main area which we are involved in is portfolio management and providing regular ongoing reviews for clients to help them meet their investment objectives, whether that be short, medium or long term growth, saving for a specific event or for providing income.
Where to find us
Head office address: 7 Ardross Street, Inverness, Highlands, IV3 5PL
Minimum wealth (income/assets)
Minimum pension value
Minimum mortgage value
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