What Our Clients Say About Us

Excellent Service

We find A.R.D. services to be excellent. Andrew advises us on what's best for our money and keeps things easy to understand and always has a laugh with us.

Robert and Nuala

Impeccable Service

We have used A.R.D. Consultancy for over 20 years. The service is impeccable and the advice and support we have received in invaluable. A.R.D. Consultancy have helped us with mortgages and investments and we would thoroughly recommend the company for their professionalism.

Alison Bryce

First Class

First venture into investing and glad I chose A.R.D. Andrew and Stacey were excellent. I thought the approach and working environment were first class. Seems like a really good core team and felt I was in safe hands. Both able to answer all my queries and provide all the information I needed in a timely manner. Hands on approach was well received and I look forward to seeing how the investments pan out.

Gerry Hamill

Highly Recommended

My husband and I turned to Andrew as we're self-employed and had to organise our own pension. Andrew has also helped us with life and critical illness insurance and we've come to really trust his advice over the years. It can be daunting having to arrange things on your own and financial matters can be overwhelming and complex, but Andrew explained everything in an accessible way and we feel educated and informed about our investment. We're always welcomed warmly into the office and our pension has been performing well so far. We couldn't recommend Andrew and the friendly team enough.

Duncan Stevenson-Price

No Hesitation in Recommending A.R.D.

Having had Andrew as my financial adviser over many years, I have complete confidence in his current knowledge of world finance, his professionalism and the time he takes to explain details. On visiting the office for my review, all staff are friendly and considerate putting me at ease in the comfortable surroundings and ensuring confidentiality by providing a small room in which discussion of my affairs can take place. It is also helpful to have a visual of current status onscreen. Where it is more convenient for me, I am offered a telephone review if preferred. I have no hesitation in recommending A.R.D.

Christine Paterson

Very Professional Advice

Very professional advice and in a relaxed environment. All the staff my wife and I met were pleasant and put us at ease with their obvious understanding of the financial aspects not only with businesses they deal with but also us, as clients. There was no pushy sales pitch, just honest advice. Both Andrew and Stacey listened to our needs and have helped enormously. Showing that it was not all serious, they showed good sense of humour making us feel we could trust in them too. Really glad we have taken the advice given and knowing they are looking after our needs is reassuring.

Scott Henderson

Professional Advice

Having visited Andrew recently, I would like to thank him for the advice and time he takes to explain everything to us. His usual friendly and professional advice makes it a pleasure to visit. I would recommend A.R.D. to anyone wishing financial advice/information.

Raymond Litts

Highly Recommended

When it comes to retirement it’s a big decision to take, even for someone like me with a Financial Services background. With all the changes in Pensions legislation I needed advice, so I turned to Andrew for guidance. He talked me through my options and explained exactly what the best way forward would be for me. I am very pleased with the outcome and I will recommend A.R.D. to anyone looking for help in these matters.

Hugh Will

Quick and Handled Professionally

I recently contacted A.R.D. and had a couple of meetings with Andrew. I wanted to sort out some pension and investments, after meeting he put forward his thoughts and I was happy to go with his recommendations and thought the whole process was quick and handled professionally. I look forward to seeing the results in time and would have no problem in dealing with Andrew and the team again.

Alan Craig

Highly Recommended

Highly recommended A.R.D consultancy and Gordon. Having had some bad pension advice from another consultancy, A.R.D and Gordon managed to resolve the issues and recommend best pension product to suit. Thank you A.R.D. Consultancy!

Alex Lochrie

Friendly Helpful Advice

Friendly helpful advice from Andrew and his team which helped me decide how best to plan for my retirement.

Dean Serafini Falkirk


Have had a couple of initial meetings with A.R.D. These have been helpful and I am confident of the financial advice that I will receive in the fullness of time. They have also taken the time to signpost me to other service providers to ensure that I get all the assistance needed for a long-term solution to my needs.

Elaine Mulgrew

Extremely Knowledgeable

Having ignored financial planning for far too long, I am delighted to have been introduced to the ARD team. Consultation so far has been friendly and jargon free and I already feel more confident in preparing for the future. I look forward to working through the process with staff who are clearly extremely knowledgeable and have been reassured that it’s never too late to take control. Feeling in very safe hands.

Emma Reid

Friendly, Helpful and Understanding Staff.

Friendly, helpful and understanding staff. Provide support regardless of circumstances. Highly recommended.

Sean Witt

Really Helpful

I met with Andrew to discuss my retirement, as I was recently made redundant and was unsure what to do with my employer pension. Andrew was really helpful and explained the options available to me. He took the time to look at my existing pension to see if it was still suitable for me. Andrew has a wealth of knowledge and made me feel really comfortable, explaining things in terms I could understand. My wife and I have used Andrew's services in the past and will always look to do so in the future.

Stephen Borthwick

Smooth Professional Service

A.R.D. Consultancy have been supporting me personally, and the clients of my accountancy business for a number of years. Our contact, David, provides such a smooth professional service, taking the time to fully explain the options available and actions taken. Both my clients and I are delighted with the personal service we receive.

Dawn Goddard

Excellent Service

Excellent service for my investments with Andrew and the team. I am looking forward to an early retirement with the proceeds from my investments.

Stuart Brash

Professional and Efficient Service.

From my first meeting with Gordon Lowrie, I found him very easy to speak to and made the whole process of sorting out my pension straightforward. He kept me informed throughout and explained each step of the process clearly and professionally. I found A.R.D. after a random search online and I am so glad I did. I would recommend Gordon and his team highly for their professional and efficient service. Top marks, I am a very happy client. Keep up the great work!

Caroline Weir

Incredibly Knowledgeable and Friendly

We've used A.R.D. Consultancy since Andrew started the business. Andrew and his team have always been incredibly knowledgeable and friendly, removing all the frustration and fear from pensions, investments and mortgages. They've always provided great jargon-free advice that really suits our needs and never offered us any services we don't need. I can't recommend them highly enough and continually recommend A.R.D. Consultancy to friends and colleagues and haven't had any complaints yet.

Tony Marlow

Peace of Mind

We have been with A.R.D. for the last 3 years and Andrew and his colleagues have helped us through the pension minefield and given us peace of mind in helping us invest wisely. We would highly recommend A.R.D.

Lindsay Brown

Recommend His Services.

Wondering how best to prepare and invest for our retirement a colleague recommended A.R.D. Consultancy. That was nine years ago. We are very satisfied with Andrew's advice and recommend his services.

Ann Fotheringham

Extremely Professional

Following a tip off from a friend we arranged a consultation with A.R.D. consultancy to provide professional advice on how our savings could work harder for us. The staff are very nice people and are very welcoming, our consultant was extremely professional and explained the whole process which helped us to quickly decide we needed professional help with our finances. I would strongly recommend that if you are likewise confused with, or disappointed with poor returns on your savings and finances, then arrange a consultation with A.R.D. consultancy.

Bob Plant

Fantastic Service

As always, fantastic service from ARD Consultancy - helpful staff, quick response times, and positive returns on investments - would highly recommend!

William Stewart

Friendly, Professional and Efficient

Friendly, professional and efficient. Thanks to this service I have gained more confidence in my financial affairs.

Dewi Currie

Friendly and Trustworthy

Ian was absolutely superb working with us on our mortgage application. His communication and management of the natural challenges and complications of the process was outstanding. I have found all of the staff we worked with at A.R.D. very helpful, friendly and trustworthy.

Dave Farrow

Professional and Helpful Service

Cannot recommend highly enough and consider A.R.D. Consultancy Limited to be the most professional and helpful service we have dealt with. They assisted our understanding throughout a time of review of our past and present financial situation, offering us realistic options and choice on how we could achieve an improved position in the future.

Elizabeth Finlayson

Totally Satisfied

When we retired, we were looking for financial advice and visited a few companies with varying degrees of satisfaction. A friend who had been a client with A.R.D. recommended them to us. From our first visit, we felt comfortable with Andrew. Our questions were answered clearly and without the need for jargon. We are now almost three years on and are totally satisfied with the results Andrew and A.R.D have achieved. Their friendly and efficient manner makes meetings interesting and informative. We would highly recommend them.

Sheila Campbell

Always Very Welcoming

I have been working with Andrew and his excellent staff for the past 9 years since receiving my state pension and subsequently my work pension and lump sum. His advice has been invaluable, and it has enabled me to have a nice wee nest egg which is a comfort in my retirement. Andrew takes time to get to know his clients and what their financial decisions might mean for them and the people around them which goes a long way to instilling confidence. Professionally, I am very happy with his services and would recommend A.R.D. Consultancy to anyone. Personally, he and his staff are always very welcoming, friendly and polite - and enjoy a healthy sense of humour. Go see him: you won't regret it.

Jean Nellies

Very Professional and Friendly

A.R.D. Consultancy was recommended to us by a work colleague, we meet Andrew and immediately he put us at ease. We had experienced some difficulties with previous Financial Investments and Andrew proposed options which made more sense and would be more beneficial to us in the long term. Andrew and his staff are very professional and friendly. We would recommend A.R.D. to those of you who are looking for professional and honest advice.

Les Hartwell

Extremely Approachable

Andrew has been helping my wife and I with all things financial for over 15 years now. During that time, I have always found him extremely approachable, pleasant and friendly. He is hugely knowledgeable in all aspects of financial planning, yet he always takes time to explain everything in a manner we can understand. He and his entire team are always very welcoming, and it has been a pleasure dealing with them. I never hesitate in recommending A.R.D. Consultancy Ltd to anyone seeking advice on financial products and services. Many of my friends have been referred to A.R.D. and are also now benefiting from Andrew's advice.

Allan Jones