R & G Financial Services

Independent Financial Adviser  57 Townhead, Glasgow, G66 1NN
First meeting at adviser's own cost
Based in Kirkintilloch and Milngavie we have 6 advisers and provide advice either at our offices or your own home.
We can advise you on
check
Annuity purchase
check
Auto enrolment
check
Defined benefit
check
Pension consolidation
check
Pension drawdown
check
Pensions & divorce
check
Pensions & retirement planning
check
Pensions review
check
Pensions transfer
check
SIPPs
check
Stakeholder
check
Bad credit
check
Building your home
check
Buy my next home
check
Buy to let
check
Buying first home
check
Equity release
check
Flexible mortgages
check
High loan to value
check
Next home / Remortgaging
check
Right to buy
check
Self-employed mortgages
check
Wealth management
check
Ethical investments
check
ISA / Unit Trusts / OEICs
check
Investing for income
check
Investment trusts
check
OEICs
check
Offshore investments
check
Unit trusts
check
Lump sum
check
Regular savings
check
Savings for children
check
School fees planning
check
Accident & sickness
check
Buildings and contents
check
Critical illness
check
Healthcare
check
Income protection insurance
check
Life insurance
check
Payment protection insurance
check
Capital gains tax
check
Estate planning
check
Income tax
check
Corporate pension
check
Group Pension/Stakeholder
check
Group Protection/Life Insurance
check
Group critical illness
check
Group life insurance
check
Group private medical insurance
Response rating
7.4/10
check
FCA authorised
Last authorised 18th October 2021
Meet our advisers
MR Andrew Graham Dip PFS BA Hons
Financial Adviser

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

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

This examination assesses a knowledge and understanding of the various pension products, the pension tax regime and retirement needs.

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

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.

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

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.

This examination assesses a knowledge and understanding of investment products and the risks involved.

This qualification accesses the specialist knowledge and skills needed for advising on the transfer of safeguarded benefits

MR Gerard McNulty Dip PFS
Director

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

MR Roger Graham Dip PFS PMA
Director

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 examination assesses a knowledge and understanding of the Government’s simplified pension taxation regime which came into full effect on 6 April 2006 (A-Day). Eight tax regimes for pensions were reduced to one, radically affecting planning and transactions.

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.

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

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 an ability to analyse pension and retirement planning issues.

This examination assesses a knowledge and understanding of the legislative and regulatory position of home reversion plans and their place in the advice process.

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.

This qualification accesses the specialist knowledge and skills needed for advising on the transfer of safeguarded benefits

MR Simon Farmer Dip PFS
Financial Advicer

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

MR Ian Gray Dip PFS
Financial Adviser

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

What our clients say
First Class Service!
G & C Beattie, Glasgow
Andrew Graham was very efficient and helpful, a pleasure to deal with.
J & R Allan, Rutherglen
Andrew Wingate was extremely personable, efficient and patient, he could not have been more helpful. Due to my difficult circumstances, Andrew had to explore various different avenues to ensure I got a mortgage and life assurance to fulfill my needs. Nothing was too much trouble and he kept me fully informed at all stages of the process. I would highly recommend him and your Company.
L KIdd, Glasgow
The arrangements to discuss were flexible around my working day, that is very helpful! Andrew Wingate was knowledgeable and conducted himself in a professional manner, very good service.
C Ferguson, Lennoxtown
Ian was extremely helpful and explained in real detail, in clear non jargon language, the options.
G Winton, Stenhousemuir
Very happy with the service that Simon provided.
E Coats, Baillieston
About us

We are proud to have been awarded the prestigious DIPLOMA in financial planning by the Chartered Insurance Institute (CII).
R & G Financial Services are an established firm at the forefront of Independent Financial Advice. This important award confirms that we have satisfied rigorous criteria relating to professional qualifications and ethical good practice set down by the CII. It also means that we employ highly qualified financial planners who subscribe to the membership conditions of the CII and involves a commitment to continuing professional development and adherence to a standard Code of Ethics and Conduct.

Our services

R+G Financial Services, Independent Financial Advisers pride ourselves in providing a friendly service. We are fully authorised and qualified to provide advice on DB transfers, Personal Pensions, Investments and all aspects of financial planning.

Where to find us
Head office address: 57 Townhead, Kirkintilloch, Glasgow, G66 1NN
Preferred clients
Minimum wealth (income/assets)
£51,000
Minimum pension value
£51,000
Minimum mortgage value
£0
Special offers
Choose an Unbiased exclusive special offer:
Offers terms
Advice methods
  • phoneButton
    Telephone
  • mouse
    Online (Live chat, video, email)
  • icons
    Face to face
Response rating
7.4/10
check
FCA authorised
Last authorised 18th October 2021

Similar advisers near you

Independent Financial Adviser 0.07 mi
Chartered Financial Planning practice providing Solutions for every statge of your financial life,delivering a first class service from a firm that truly puts clients at the centre of everything we do.
 
Independent Financial Adviser 0.54 mi
You'll receive straightforward, honest advice from me and I'll explain all the options available to you. True Potential are still active in the Final Salary transfer market and are very competitive on the advice fees we charge.
 
Independent Financial Adviser 1.26 mi
Based in the Lenzie and Motherwell area, I can provide advice on products from the whole financial market.
 
Independent Financial Adviser 3.08 mi
At DPB Wealth Management Ltd, we are here to offer you independent, impartial advice and guidance, and we are only ever a phone call or email away.