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  11. Gibson Financial Planning Ltd

Gibson Financial Planning Ltd

Independent Financial Adviser  3a Hillman's Court, Coleraine, Co Londonderry, BT52 2DF
First meeting at adviser's own cost
We want you to be living the best life possible with the money you have.
We can advise you on
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Annuity purchase
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Auto enrolment
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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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Stakeholder
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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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Critical illness
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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
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EEA
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Corporate pension
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Group Pension/Stakeholder
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Group Protection/Life Insurance
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Group critical illness
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Group income protection
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Group life insurance
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Long term care
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Response rating
7.0/10
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FCA authorised
Last authorised 25th October 2021
Meet our advisers
MR Derek Doey DipPFS
Financial Planner

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

This qualification assessed the knowledge and understanding of the UK regulation environment in the financial services industry together with types of mortgage products and repayment options and the giving of mortgage advice.

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

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

At the end of this unit, candidates should be able to demonstrate an understanding of the: process of decumulating pension funds and the main issues for clients and advisers; main choices facing members of pensions schemes during decumulation; features, risks and tax treatment of the secured pension option; features, risks and tax treatment of the unsecured pension option; features, risks and tax treatment of phased retirement; features, risks and tax treatment of the alternatively secured pension option.

At the end of this unit, candidates should be able to demonstrate an understanding of: the basic structure of the tax system and self-assessment; the main taxes on income and capital that may be charged on individuals, the self-assessment system and how tax liabilities are computed; impact of residence and domicile on an individuals liability to UK tax.

MR David Gibson LLB CFP DIPPFS CERER
Certified Financial Planner and Chartered Wealth Manager

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.

This qualification assessed the knowledge and understanding of the UK regulation environment in the financial services industry together with types of mortgage products and repayment options and the giving of mortgage advice.

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

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.

This examination assesses a knowledge and understanding of the different types of equity release products, risks to the consumer associated with equity release and application of suitable equity release solutions according to the circumstances of different customers.

This qualification assesses a knowledge and understanding of the UK regulation environment in the financial services industry, long term care insurance products and the giving of long term care insurance advice.

At the end of this unit, candidates should be able to demonstrate an understanding of: the basic structure of the tax system and self-assessment; the main taxes on income and capital that may be charged on individuals, the self-assessment system and how tax liabilities are computed; impact of residence and domicile on an individuals liability to UK tax.

At the end of this unit, candidates should be able to demonstrate an understanding of the: legal principles associated with the creation and management of a trust; main types of trusts that are common in the UK; taxation considerations relevant to trusts.

MCSI membership is full membership of the CISI, and denotes a high level of achievement and competence. It is awarded to those with a suitable combination of qualifications and experience

This qualification assesses a knowledge and understanding of recent pension reforms and how the changes impact at-retirement advice.

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

Accreditations
Certified Financial Planner
What our clients say
He has always accommodated appointments and timescales - he will always follow up after consultations in a timely manner. His "office" style makes David good to do business with and has fostered confidence and a high degree of trust.
Alwyn, Bangor, Co Down
Extremely professional but friendly approach. At early meetings, Mr Gibson took time to find out about my circumstances so that a suitable strategy could be instigated. Excellent advice and well explained at each stage. Time was always taken so that I fully understood the procedures. Good lines of communication at all times - I always felt that I could contact Mr Gibson with any queries. I felt that trust was built up very quickly. I would not hesitate to recommend this adviser to a friend or colleague.
Ken, Londonderry
David is honest, well informed and easy to talk to. He listened to my needs and concerns and found a solution that meet them. I would be happy to continue to trust David's advice in the future...
Andrew Parkes, Antrim
After a number of relocations and changes, we had begun to feel anxious about our financial position and did not have confidence in knowing how best to prepare for a comfortable secure future. This was already well into retirement. We asked trusted friends for recommendations and looked for ourselves. We actually found David Gibson on the internet and decided we were impressed by his website and his qualifications. Our first meeting was completely satisfying and his proposals were very well thought out and tailored to our needs and the degree of risk we would want to take. We also left feeling that we knew were we stood financially and that we could maintain a reasonable standard of living. Whenever we have had a question to do with our finances, David has been quick to respond and very helpful. We recommend him highly.
J S Macnaghten, London
On reaching 50 years of age and having managed finances and pensions in a very ad hoc way I wanted to have some certainty over the management of my finances as I approached retirement. My wife and I approached Gibson Financial Planning (GFP) who provided a comprehensive Pension & Investments Recommendations Report for us which gave us a holistic view of our financial status and the information we needed to make the decisions necessary to plan for our retirement. GFP then took the administrative responsibility for the complex task of contacting the many investment and pension companies; and successfully consolidated our investments and pensions onto a modern, centralised financial platform under a GFP recommended investment porfolio. We found GFPs practice to be highly qualified with excellent investment and pensions advice explained in terms we could understand. GFP are very attentive, providing regular updates, and have given us the confidence and assurance that our finances are in very capable hands . We would thoroughly recommend their services to anyone needing retirement or financial planning advice.
John Wilson, Derry
My wife and I approached David, at Gibson FP, after he was recommended to us by a family member. I was in my mid 50's and was planning for retirement. With David’s help I was able to retire earlier than I originally thought possible. David has a wonderful knack of explaining financial issues in easy to understand ways. In the time we have worked with him he has taken the time to understand what we value in life and so works with us to make sure that we make the most of every opportunity available to us. He keeps us up to date, regularly anticipates questions we may have about economic issues and their likely impact and makes himself available when we need to speak to him.
Sam and Ann, Eglinton
I‘ve been working with David for about 5 years now. I always liked to think of myself as having some financial acumen, but I was in my 50s and starting to think ahead to early retirement. I knew I was certainly missing a trick or two in making my money work for me. Since working with David I’ve realized more than a few of the benefits of having a financial advisor. As a busy director in a global company it’s hard to find the time to review the balance of my portfolio and figure out what changes to make, understand how to work capital gains tax to my advantage, or identify opportunities for tax relief on some investments. Now I have an expert who does that for me I feel much more confident I’m getting the best return on my investments as I plan for semi-retirement in the next year. I am more than happy to recommend David’s services.
Helen, Limavady
The firm of Gibson Financial Planning were initially recommended to my late husband and I in 2015 by my sister who has been a client for many years. As my husband was terminally ill, he was anxious to secure my financial future and invest with a Financial Advisor who he felt he could totally trust. Sadly I lost my husband in 2016 and as a retired Widow, I find it reassuring to know I can contact Gibson FP with any financial queries or concerns and it is dealt with immediately, professionally and always with a personal touch. I receive regular updates, have an annual meeting to review my investments and can easily access my accounts online. The financial sector is a specialist field and can be a difficult path to navigate without good representation; Gibson FP have made sound financial investments with my life savings, optimising my returns with minimal risk. I have complete confidence and trust in Gibson FP and would highly recommend them without reservation.
Elizabeth Griffin, Hampshire
As retirement was approaching for both my wife and myself, we felt it necessary to create an overview of our financial position. We were moving from two regular monthly incomes to a position of two final salary teacher pensions. We also felt it was worthwhile for us to seek professional assistance. Having contacted Gibson Financial Planning, I recall arriving at David’s office armed with boxes and files of bank statements, pay slips, old and new policies etc. – things definitely needed to be streamlined! David considered all our circumstances and got back to us a few days later. He helped us to organise for the present and the future after looking at our incomes and outgoings. He provided options for us and gave us the opportunity to make our own informed decisions. He took into account the fact that we were cautious with our savings and helped us create a plan which was personal to us. The boxes and files quickly disappeared to be replaced by a much clearer and compact summary of our finances. There was a relaxed yet professional environment for us to discuss these very important issues. David is well informed with excellent interpersonal skills and all relevant information was considered in a clear and concise manner. Communication is good and we are kept informed regularly of any changes which might affect us. An annual review meeting also takes place where future planning is examined in detail. David is always available if we have any queries with regard to our financial situation.
Roger and Gwen, Coleraine
Long ago, I concluded that my best strategy for retirement was to work hard, save as much as I possibly could to take advantage of the tax incentives, and invest for the long term to build-up enough to enable me to retire early and have a comfortable retirement without any money worries. It is a strategy that has worked for me. Having spent most of my working life in England, I decided to live out my later years amidst the scenic splendours of the Causeway Coast. On returning to Northern Ireland, I set about the task of finding someone local to manage my pension and investment portfolio. After searching online, I drew up a shortlist of potential firms that seemed to meet my requirements. The first firm I approached was Gibson Financial Planning and following a meeting with David Gibson, I instinctively knew that this was someone I could do business with and didn’t need to look any further. I haven’t been disappointed. David is knowledgeable, responds promptly to any queries I might have and explains things clearly. He is friendly, yet always professional in his approach. And as I stroll along the beach or cliff top path in the glorious sunshine (well perhaps not always), I can relax in the knowledge that my portfolio is being well looked after and instead of money concerns, all I need worry about is where to go on my next holiday to find that elusive sun!
Michael, Ballycastle
David has been helping us since 2012 when we both retired. He has advised us on pensions and general financial planning, always very considerate of our personal circumstances and concerns. We have been very happy with all aspects of the very professional service David offers.
Lynn and Brendan, Coleraine
About us

We provide a specialist service focused on the needs of people rapidly approaching the transition to retirement and those who are already retired. We are one of a handful of companies to have attained Accredited Financial Planning Firm™ status, the gold standard in financial planning. Let us take care of every aspect of your finances, freeing up your time so you can relax and realise the possibilities that excite you most at this time in life.

We know that trust is earned and we’ll work with you to build a long term relationship that’s based on clear, impartial and independent advice, entirely focused on what you want from your retirement.

Your life should be at the centre of the conversation, not your money. Our aim is to give you peace of mind, knowing your future is secure.

Our services

We love working with retirees and those wanting to manage the challenging but exciting transition from a working career to their ideal retirement.

Having enough money in retirement is important and while money can get us where we want to go the accumulation of wealth should not be the end goal. You need to have a purpose to get up in the morning and enough money to sleep at night. We want you to be living the best life possible with the money you have.

Where to find us
Head office address: 3a Hillman's Court, Coleraine, BT52 2DF
Preferred clients
Minimum wealth (income/assets)
£251,000
Minimum pension value
£101,000
Minimum mortgage value
£0
Advice methods
  • phoneButton
    Telephone
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    Online (Live chat, video, email)
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    Face to face
Make an enquiry Request a call back Recommend to a friend
Response rating
7.0/10
phone Show number
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FCA authorised
Last authorised 25th October 2021

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