Insurance has long played a prominent role in the UK's financial sector and with London and Edinburgh some of the world's biggest epicentres for finance it's not surprising that many blue-chip companies have set down roots. Additionally as expert Independent Financial Advisers, we are regularly asked to speak in the Financial Advisors national media as industry experts and commentators and recently have appeared in media such as The BBC, The FT, The Independent, The Guardian, Daily Mail, The Daily Express, The Observer, The Scotsman, Scotland on Sunday, Moneywise and a host of other publications and websites (Please see our In The Press section).
Key recommendations include talking to existing clients about their family's needs, allowing younger clients to invest lower amounts, with clearly defined products and prices” and finding new ways to dispense nuggets of financial wisdom — both online and at events.

We'll listen carefully to you and you can be confident that we will provide the best available ‘one off' regulated product or solution if that is what you require, alternatively we can provide you with the ongoing clarity and reassurance of regular financial reviews and longer term pension planning, saving or investing.
Based in East Lothian, near Edinburgh, Niven Financial Ltd is an Independent Financial Adviser, providing financial advice to clients throughout the UK. Niven Financial Ltd provide advice on: Mortgages, Equity Release, Pensions, Life Insurance, Annuities, Investments and Long Term Care.

Many banks offer the option to use their financial advisers for your investments, they may offer incentives such as lower fee transactions or free business banking if you have an investment account at the bank, however, it is important to make sure your bank's investment services are the right fit for you.
FMD and First Mortgage Direct are trading names of First Mortgage Limited which is an Appointed Representative of Mortgage Advice Bureau Limited and Mortgage Advice Bureau (Derby) Limited which are authorised and regulated by the Financial Conduct Authority.

We have been awarded the Gold Standard for Independent Financial Advice ten times since 2009. A commission-only advisor earns their income from commissions on the investments bought and sold on your behalf. All our advisors are regulated by the Financial Conduct Authority.
Kindar is passionate about the benefits financial planning can offer clients and she truly enjoys being involved in a clients' financial planning journey and the peace of mind it can bring. Prior to this, Stuart has held roles as an Independent Financial Adviser at Torquil Clark plc and Sedgwick Financial Services.