GILL FINANCIAL SERVICES is a Montrose based company serving the Angus, Aberdeen and Dundee areas. Roy Gill has been in financial services since 1991 and has been independent since 1999, establishing GILL FINANCIAL SERVICES in September 2003.

Gill Financial Services offers Independent Financial Advice either in the comfort of your own home, at your workplace at a time suitable to you, and for your convenience, evening appointments are available. I am highly committed to providing a service that my clients find appealing. As a result of this, I receive our income from the insurance companies with which my clients decide to place business. You will be advised prior to application how much this will amount to. This means that you do not have to pay out any fees for our advice and will not receive a bill for the advice given.

I can offer a fee based service instead, if you prefer. The amount of the fee will be advised prior to any work being completed.

As a fully regulated Independent Financial Adviser I am not tied to recommending the products of one company - instead I will have access to all insurers. My aim is to put you in an informed position so that you can make appropriate decisions regarding your financial future. Once I have completed a comprehensive review of your finances and agreed your objectives and attitude to risk, I will recommend, after thorough research and analysis, the most suitable product from the wide range of available providers. This means you are sure to benefit from independent, unbiased advice and receive the most appropriate product tailored to your individual financial needs.

My aim is to put you in a better financial position than you were after the initial meeting and at low a cost as possible.

Comprehensive Financial Review (incorporating)

Protection-Advice on the right type and amount of protection and review of exisiting provision to see if it is competitive to save money.

Mortgages-New mortgages and remortgages using an Independent sourcing system linked to the whole mortgage market. Adverse Credit mortgages also arranged. We offer Independant Mortgage Advice on either a Fee or Commission basis.Your home may be repossessed if you cannot repay any mortgage secured on it.

Pensions-Guidance through the pensions maze and review of exisiting provision to ensure it is in the best place to secure your future.

Investments-Tax efficient investment planning and review of exisiting holdings to check for performance and quality of fund management. Care in ensuring that you have a good spread of investments and hold the right portfolio to match your own specific attitude to risk

General Insurance-Competitive Quotes for Home and Accident, Sickness & Unemployment cover.

Positive Solutions is not responsible for nor does the Financial Services Authority regulate advice concerning general insurance matters

Highly focussed customer care and follow up service

POSITIVE SOLUTIONS are a national IFA company who support almost 1,000 Independent Financial Advisers like me across the UK. I have selected Positive Solutions as our back-up company for a number of reasons.

They achieved second place in the Sunday Times top 100 fastest growing businesses in the UK last year and also won for the second year running the prestigious Money Marketing ‘Best Technology IFA’award.

Positive Solutions have outlined that they wish to remain Independent whilst some companies are looking at the multi tie route (only using a panel of insurance companies). This benefits clients by their adviser having access to the whole market.

They are a leading technology based company giving both clients and myself leading technology offerings. Customers can receive access to their information via a password controlled secure internet area. This allows the customer and adviser to access up to the minute valuations at the touch of a button. The service is continually being evolved and we will soon be able to access such information and the internet using wireless technology whilst in customers homes. This leading technology is essential to stay ahead in a cost heavy and competitive industry.