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Financial Adviser Edinburgh

EWS Financial Advisers is an independent company offering impartial independent whole of market financial advice. Our mission is always to deliver optimal financial performance at minimal cost to our clients. 
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Executive Wealth Services | EWS | Chartered Financial Planner certification

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We provide you with knowledge, confidence and peace of mind to enjoy the life you want to live

Financial Adviser or Financial Advisor?

Adviser or advisor - they both mean the same thing and are interchangeable. EWS pride ourselves on the quality of advice and providing excellent customer service. We take a listen-first, common sense approach to looking after people’s finances.


EWS Financial Advisers are whole of market independent financial advisers (IFAs). Our advice is not tied to the products of any financial institutions. We are therefore able to find the best possible deal for you in the whole marketplace and will not sacrifice the integrity of our advice.


EWS believe only the best is good enough. This is why we are Chartered Financial Planners and also hold Fellowship status from the Personal Finance Society.


David Garvey, Executive Wealth Services MD, has been delivering clients results for almost 20 years - he's young enough to understand and embrace innovation when it helps clients, but wise enough to know all that glitters doesn't always turn out to be gold.


We're Edinburgh financial advisers, we offer solutions based solely on your needs. We provide pension advice, investment advice, estate planning advice and are Chartered Financial advisers


"I could talk about pensions and investments, risk and reward, yield and fund performances all day long and for some clients, I do. For the most part though, clients are interested in only their results - so am I. 


You want optimal performance from your money and as your financial advisor   - so do we."



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What Can EWS Financial Advisers Help You With?

Plan for your retirement

Retirement ought to be among the most pleasurable and fulfilling phases of your life. It should provide exciting brand-new opportunities and the financial freedom to fulfil your dreams ... if you have planned ahead.

Make more of your investments

Our approach to investment advice is exactly the same as with any service we deliver. There is no one investment house that offers a panacea and, for most, the optimal solution will be a blend of differing approaches. Our investment advice will always align to your goals.

Tax planning to preserve your estate

EWS Estate Planning is always designed to protect your wishes so that your estate is looked after by those you trust, and as per your wishes. It will help protect your household and other beneficiaries from the effects of inheritance tax.

Protect & safeguard your family

Expect the unexpected! 

Protecting your assets is a cornerstone of our work - absolutely vital to secure the financial future for both you and your family should an unexpected life event occur.

EWS | Chartered Financial Planners


Providing Additional Assurance
We're proud to be Chartered Financial Planners, as certified by the Chartered Insurance Institute (CII). Chartered status is the industry 'gold standard' and positions our company among the UK's leading practices. You can find out more about our Chartered status and the assurances it brings here.

When you use Chartered financial advisers, you can be sure that you are entrusting proven experts, dedicated to preserving and developing knowledge with the sole aim of providing only the highest quality guidance and financial advice.

Chartered firms should also follow a demanding ethical code, set out by the CII, putting the clients' interests at the heart of the advice they give.

A Chartered Financial Planner title is a commitment to the highest standards of client service and professionalism.

chartered financial planner logo

Financial Advice Edinburgh

Executive Wealth Services will work with you to design the very best solutions for your financial future!

1

There are fundamental investment principles that apply to each of us. We take time to periodically review these important principles to reaffirm your goals, strengthen the foundations upon which we advise investment decisions and adapt where necessary. 

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EWS Financial Advice

We provide advice on a range of insurance and protection options available to cover you, your family and/or your business. As Chartered financial advisers, our aim is always to give you financial peace of mind, be it life insurance, critical illness cover or more general advice.



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Retirement should be one of the most enjoyable and fulfilling stages of your life. It should open exciting new opportunities and the financial freedom to fulfil your dreams… if you have planned well enough in advance. If you're already enjoying the benefits you wanted then you chose your financial advice well.

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Future-proof is an oft-used phrase, erroneously. In accordance with prevailing laws, EWS will protect what you have and plan for what you need. We know how to interpret the ever-changing laws, taxes and thresholds and more importantly, how they can affect you.  

EWS wealth management

Wealth Management Edinburgh


You have goals. Our Financial Advisors can help you articulate them and advise how best to reach them. We work with individuals, families and businesses to deliver financial services and solutions that help build, preserve and manage wealth.

Most families realise they need an adviser who is expert in multiple areas of finance. Many claim to offer such services. But the real challenge is to work on the whole gamut of financial planning – pension advice – investment advice – estate preservation - tax mitigation. Welcome to our world! Executive Wealth Services, Chartered Financial Planners that take good care of you. If you're in Edinburgh and search for 'financial adviser near me' we're in Thistle St. every day and only a journey away from anywhere. 
ESG investing | EWS Financial Advisers
By David Garvey 11 Jun, 2020
What is ESG investing? Can ethical investments match or beat the market? Do ESG funds cost more?
2020 Tax Planning Clinic EWS Financial Advisers Edinburgh
By David Garvey 29 Mar, 2020
Some important things to consider to take advantage of the UK tax allowances for 2020
EWS Financial Advisers | Investors lose thousands
By David Garvey 05 Mar, 2020
Investors may be missing out on tens of thousands of pounds due to highly charged pension and investment contracts. In some cases, savings are being poured into pension and investment portfolios which are packed with hefty charges and advisors’ fees which may not be as obvious as they could be. Often, the performance of popular packaged investment solutions do not achieve what is hoped, leaving them even further out of pocket. According to Chartered Financial Planner David Garvey, Managing Director of Edinburgh-based Executive Wealth Services (EWS), the double hit on their savings can add up to significant amounts of money which many investors don’t even realise they are losing. Recent portfolio reviews carried out on behalf of up to 70 investors by EWS revealed every one of them to be haemorrhaging money which, with alternative and more appropriate advice, could have stayed in their own accounts. It means some high-level investors may reach retirement age short of thousands of pounds. The findings have led Mr Garvey to urge investors to undertake a full review of their financial portfolios to ensure they are not among many losing out on precious income and capital growth. He said: “There are lots of packaged investment products out, especially those offered by large insurance companies, where investors are being shoe-horned in by the via advisory distribution channels but which are loaded with costs and fees.” “I am concerned that in some cases, they are being encouraged to invest to help suit their adviser’s income requirements rather than to achieve the best outcomes for their money. “Investors should ask themselves what is in it for who is advising them, and why are they directing their investments towards certain kinds of ‘active’ investment portfolios which tend to attract higher charges. “My concern is that clients are being pushed into underperforming investments and are paying through the nose for them, yet the advisers continually benefit.” A key concern surrounds the number of investors guided towards ‘active investing’, in which analysts buy and sell investment instruments in an effort of beating the market, large scale studies over decades by many prestigious bodies and institutions shows that this rarely works as a strategy. The style of investing can be touted as offering good investment potential, however Mr Garvey warns that investors can sometimes be unaware that portfolio managers often quote returns without including management fees. That can lead to them ploughing money into an ‘active’ portfolio hoping for higher returns, unaware that they are being hit by mounting transaction and fund management costs, plus annual platform and advisory fees. These comments are endorsed by the Financial Conduct Authority ‘sector review’ last week which assesses potential financial losses over the next 5 years of some £40bn due to unsuitable product choices or investment strategies which it states could cause ‘significant consumer harm’. Instead, a ‘passive’ low cost index tracking fund which limits buying and selling of stocks and shares is often a more cost-effective choice. “A passive strategy requires a buy-and-hold mentality that resists the temptation to react or anticipate the market’s every move,” says Mr Garvey. “In our experience the difference in annual costs of investing passively as opposed to actively can be as much as 1-2.5% additional cost per annum. In round figures that can be as much as £12,500 on a portfolio value of £500,000. “Over the lifespan of an investment portfolio - which can be as long as two or three generations when the portfolio is subject to intergenerational succession - these costs can be hugely detrimental to the net return achieved by the investor.” "I would urge investors to consider a free, no obligation financial health check which can help highlight areas within their financial portfolio which are under-performing or are being eaten into by unnecessary costs and fees." We are an independent, fee-based financial adviser firm regulated by the FCA, with extensive experience of helping investors achieve the best possible return while ensuring portfolio management costs are clear, fair and transparent. To find out more and arrange a free ‘second opinion’ on a financial portfolio, just contact us - there's always a hot coffee on the go ;)
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