Financial Concepts

Independent Financial Adviser 1 – 2 Corberry Terrace, Troqueer Road, Dumfries, DG2 7SR

First meeting at adviser's own cost

Response rating

7.0 /10

11th November 2019

Chartered financial planners who offer a complete one-step financial services solution, whatever your needs.

We can advise you on

Pensions & retirement
- Annuity purchase
- Auto enrolment
- Pension consolidation
- Pension drawdown
- Pensions review
- Pensions transfer
Mortgages
- Building your home
- Buy to let
- Buying commercial property
- Buying first home
- Buying overseas
- Equity release
- Flexible mortgages
- High loan to value
- Next home / Remortgaging
- Right to buy
- Self-employed mortgages
Financial planning
- Wealth management
Investments
- Ethical investments
- ISAs
- Investing for income
- Investment trusts
- OEICs
- Socially responsible investments
Savings
- Lump sum
- Regular savings
Insurance & protection
- Accident & sickness
- Critical illness
- Healthcare
- Income protection insurance
- Life insurance
Tax & trust planning
- Capital gains tax
- Estate planning
- Income tax
Expatriate finances
- EEA
- Rest of world
Business
- Commercial mortgages
- Employee benefits
- Group pensions
- Group protection
Long Term Care
- Long term care

Make an enquiry Request a call back 08000 449146 Recommend to a friend

Meet our advisers

Adrian Leslie

Senior Independent Financial Adviser

Qualifications & Accreditations Hide qualifications

APFS - Associate, Personal Finance Society (PFS)

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.

CertPFS (DM) - Certificate Personal Finance Society (PFS)

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

Darren Turnbull

Managing Director

Qualifications & Accreditations Hide qualifications

CFP - Certified Financial Planner Licence (IFP)

An internationally recognised financial planning credential. The holder must demonstrate a combination of experience, financial qualifications (usually AFPC/DipPFS) or equivalent, an IFP assessment, ongoing educational activity (continuous professional development) and ethical behaviour.

CeRER - Certificate in Regulated Equity Release (LIBF)

This qualification assesses a knowledge and understanding of the principles of equity release, the different types of schemes available and the circumstances where equity release is an appropriate solution for the customer.

ACIBS - Associate of the Chartered Institute of Bankers in Scotland (CIOBS)

This qualification assesses the knowledge and skills to enhance the career and promotion prospects of those aspiring to middle and senior management positions.

Certificate in Commercial Mortgages (LIBF)

This unit covers common types of products and schemes, the legal and regulatory framework, factors affecting the value of commercial property, risk management in the various commercial sectors, information gathering, affordability, suitability and breaches of payment.

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.

CeRGI - Certificate of Regulated General Insurance (LIBF)

This qualification assesses a knowledge and understanding of the general insurance environment, its products and the manner in which the industry is regulated.

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.

CeRCC - Certificate in Regulated Customer Care (LIBF)

This qualification assesses a knowledge and understanding of the regulatory and practical implications of the Treating Customers Fairly initiative.

CeLM - Certificate in Lifetime Mortgages (LIBF)

This qualification assesses a knowledge and understanding of the UK regulation environment in the financial services industry, mortgage products, lifetime mortgage products and the giving of mortgage advice.

CertPFS (DM) - Certificate Personal Finance Society (PFS)

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

Accreditations

Anthony Phillipson

Qualifications & Accreditations Hide qualifications

R02 - Investment Principles (CII)

This qualification assesses a knowledge and understanding of investment products and the application of the investment advice process.

R05 - Financial Protection (CII)

This qualification assesses a knowledge and understanding of an ability to analyse financial protection planning issues.

R03 - Personal Taxation (CII)

This qualification assesses a knowledge and understanding of the UK taxation system, and the ability to analyse the taxation treatment of individuals and trusts during the investment advice process.

R06 - Financial Planning Practice (CII)

This qualification helps advisers develop and demonstrate their financial planning capabilities.

R01 - Financial Services, Regulation and Ethics (CII)

This qualification assesses a knowledge and understanding of the financial services industry, including regulation, legislation and the Code of Ethics.

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.

R04 - Pensions and Retirement Planning (CII)

This qualification assesses a knowledge and understanding of an ability to analyse pension and retirement planning issues.

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

Nigel Shackleton ChartFP

Qualifications & Accreditations Hide qualifications

Chartered Financial Planner (CII)

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.

G60 - Pensions (CII)

This examination enhanced general pension knowledge, particularly in pension transfers and opt-out business.

Accreditations

What our clients say

Advice given was very well explained and easy to understand. The risks of each investment were explained and debated at length and the advice and option given were very clear. Good follow up paperwork and a very professional business model overall.

John Hope, Carlisle

Very approachable, talks openly about options. Always quick to respond to queries.

Andrew Farmer, Moscow

Gives unbiased advice on the best option available to us at any given time. We get regular newsletters and meet yearly for a review

Jill Thursby, Carlisle

Gives sound and accurate advice. Keeps me updated when changes come in. Reviews my caseload on a regular basis.

Julia Dixon, Cumbria

Where to find us

1 – 2 Corberry Terrace, Troqueer Road, Dumfries, DG2 7SR

Make an enquiry

About us

Financial Concepts is an independently owned IFA practice, founded in 2000. Between us we have more than 100 years of experience providing bespoke advice to a wide range of clients. We look after more than £130m worth of client funds, and our mortgage arm has a burgeoning reputation for helping hundreds of people achieve their property dreams. Our specialist knowledge covers a wide range of products from across the whole of the market, including investments, pensions, mortgages and protection. Over the years we have grown by word of mouth and the recommendations of satisfied clients. The first meeting is free of charge, we offer a variety of different payment options, and all fees are agreed with you in advance.

Our services

Our speciality is creating solutions for life. Offering a full range of financial services, we use them in harmony to provide a long-term financial plan that meets your goals not just at the present time but in all the years to come. The ongoing nature of our service is the reason why people stay with us and keep coming back. We take pride in being one of the only firms of chartered financial planners in Cumbria, and we reflect this in the quality of the service we offer to our clients.

Make an enquiry Request a call back 08000 449146 Recommend to a friend

We can advise you on

Pensions & retirement
- Annuity purchase
- Auto enrolment
- Pension consolidation
- Pension drawdown
- Pensions review
- Pensions transfer
Mortgages
- Building your home
- Buy to let
- Buying commercial property
- Buying first home
- Buying overseas
- Equity release
- Flexible mortgages
- High loan to value
- Next home / Remortgaging
- Right to buy
- Self-employed mortgages
Financial planning
- Wealth management
Investments
- Ethical investments
- ISAs
- Investing for income
- Investment trusts
- OEICs
- Socially responsible investments
Savings
- Lump sum
- Regular savings
Insurance & protection
- Accident & sickness
- Critical illness
- Healthcare
- Income protection insurance
- Life insurance
Tax & trust planning
- Capital gains tax
- Estate planning
- Income tax
Expatriate finances
- EEA
- Rest of world
Business
- Commercial mortgages
- Employee benefits
- Group pensions
- Group protection
Long Term Care
- Long term care

Advice methods

Telephone
Face to face

Special offers

Choose an Unbiased exclusive special offer:

Preferred clients

Minimum wealth (income/assets)

£50,000

Minimum pension value

£50,000

Minimum mortgage value

£125,000

Make an enquiry Request a call back 08000 449146 Recommend to a friend

Contact options

Make an enquiry Request
a call back 08000 449146 Recommend to a friend

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