48a Northbridge St
Bathgate, EH48 4PP
Call Us
01506 676 676
Email Us

Independent Financial Advisers
in Edinburgh & Central Scotland

GM Financial Services are a friendly firm of Independent Financial Advisers based in West Lothian, Scotland. We are ideally situated to cover the entire central belt of Scotland.


There are major changes in the way financial advice is being delivered to the customer. The major changes are detailed below; if you have any questions as to how it will affect any advice please contact us.

Please remember the initial meeting is at OUR cost.

  • Knowledge. The minimum threshold level of knowledge that must be reached by all financial advisers is being raised which means a higher level of professionalism for the industry as a whole.
  • A new definition of independence. An Independent Financial Adviser must demonstrate they have considered all financial services products.
  • Great transparency in fees and charges. In the past, the cost of setting up fees and on-going charges were hidden in the company charges. The providing of financial advice was never free, financial advisers were paid a commission from the Insurance/ Investment company and this was recouped by the company from you by way of charges which in a number of cases were hidden in the contact. This will not be allowed going forward, all fees and charges need to be agreed and signed for by you.
  • Service Agreement and fees. The provision of an on-going service to you must be explained and agreed by you, this will provide regular valuations, review meetings, review of your attitude to risk, and updates etc.

The Retail Distribution Review will provided you with a better financial advisory service and a better understanding of what you can expect from our company as well as how much it will cost. Please remember, financial advice has never been free, the way you pay for it is changing that’s all.