McHardy Financial

Independent Financial Adviser in Edinburgh

Choosing your financial adviser is one of the most important decisions you will make – it’s all about your financial future.


Who are we?

McHardy Financial Ltd are Chartered Financial Planners and are proud to have been providing independent financial advice to both private and corporate clients since 1987. We were awarded Chartered Financial Planner status in 2016 by the Chartered Insurance Institute (CII). This is considered the industry’s gold standard for firms of financial planners.


It involves a commitment to continuing professional development and adherence to an industry standard Code of Ethics. You can view the Code at When you use a Chartered firm you are dealing with proven professionals. Whilst Chartered titles are steeped in history, they remain the benchmark of professional excellence and integrity. Our fully qualified and experienced advisers, backed up by a dedicated team of professional technical support staff, are based in offices in Aberdeen, Edinburgh, Perth, Kirkcaldy and Huntly. You can meet the team at

What we do?

Being independent advisers we know how best to make your money work for you and your situation, helping you have the lifestyle you want. Drawing on our significant knowledge and practical expertise we provide informed advice on all your financial matters. Trust being a big part of our working relationship is something we value and foster on an ongoing basis. 


Unlike restricted or tied financial advisers we are happy to be independent as that enables us to give you unbiased advice based on comprehensive analysis of the total market, leaving nothing to chance and delivering to you the best possible options. We always have your best interests at heart. Our services are flexible and tailored to suit your requirements, from simple to complex matters, our advisers
will help you decide on your best options and are only a phone call or email away.

Contact Details

Your form message has been successfully sent.

You have entered the following data:

Please type your message below.

Please correct your input in the following fields:
Error while sending the form. Please try again later.

Note: Fields marked with * are required


0131 221 6730



10 a Rutland Square,

List of Services

Cash Flow Modelling/Financial Forecasting


  • Bonds
  • Collectives
  • EIS
  • Endowments
  • Fixed Interest
  • Investment Trusts
  • ISAs
  • OEICs
  • Offshore Collectives
  • Structured Products
  • Unit Trusts
  • VCT


  • Annuities
  • auto enrolment
  • Executive Plan
  • Final Salary Pension
  • Fixed term annuities
  • Flexi access Drawdown
  • Occupational
  • Personal Pension
  • Retirement Plan
  • SIPP
  • SSAS
  • Stakeholder
  • State Pension advice

Personal Insurance

  • Convertible Term
  • Critical Illness
  • Decreasing Term
  • Endowment
  • Family Income Benefit
  • Income Protection
  • Increasing Term
  • Investment Linked
  • Level Term
  • Long Term Care
  • Permanent Health Insurance
  • Private Medical
  • Renewable Term
  • Whole of Life
  • With Profits

Business Insurance

  • Employers Liability
  • Key Person
  • Pension and Capital
  • Professional Indemnity
  • Share Protection
  • Loan Protection

Wealth Preservation

  • Inheritance Tax
  • Trust Information

McHardy Financial's FCA number is 126147.

Use the Financial Dictionary to understand everything

Understanding all the Financial terminology can be difficult, thats why have added definitions for every Financial Service mentioned above.


Click on the button below to find a specific definition and understand more about the Financial products on offer by Financial Advisers.

Print Print | Sitemap Ltd. Company Registration Number: 0777 7471. Copyright © 2013 - 2018 All rights reserved. Find Accountants, Financial Advisers, Business Loans. Registered office: The Mill Building, 35 Chatsworth Road, Worthing, West Sussex, BN11 1LY. Open hours: 09:00 - 17:00, Monday to Friday.