Latest News

Congratulations Neil!

A massive well done to Neil for being named Scottish Mortgage Adviser of the Year at the 2019 SME News Finance Awards. We are proud of everything Neil has achieved over the years with us and we are sure he can continue to deliver outstanding service to all of our clients.

Marshmallows and financial planning

by Peter Brown, Senior Financial Advisor. The Stanford marshmallow experiment is one of the most famous pieces of social science research out there. It has arguably influenced the way that many people live their lives, in addition to providing plenty of fun and interest for those with young children who are in the ‘I’ll try this at […]

New income protection cover for people suffering with mild depression, anxiety and other common illnesses.

Holloway Friendly has announced the launch of new income protection cover for people suffering with mild depression, anxiety and other common illnesses. The provider says it wants income protection to be more inclusive and accessible, and for providers to address how the industry can insure people with old, or existing, mental health conditions. One in […]

New North East Office

We are delighted to announce that we have signed a lease for Phil Anderson Financial Services to open a new office at the Crichiebank Business Centre in Inverurie allowing us to service even more clients throughout the NE of Scotland. With many other positive things in the pipeline at the moment, it’s exciting times!

North East property trends

Every quarter, the Centre for Real Estate Research at the University of Aberdeen Business monitors trends in Aberdeen’s property market (report can be read here) Whilst there are small signs of improvement it does show a fall in the value of property meaning that if you’re a buyer, whether first time, upgrading or adding to […]

Pension Adviser of the Year again

Phil Anderson Financial Services is celebrating after one of its financial planners was named UK Pension Adviser of the Year for 2018. Ryan Yule who specialises in investment and pension advice picked up the award for the second year running. Commenting on this Mr Yule said “I am very humbled to have won this award […]

Northern Star Awards

Phil Anderson Financial Services are celebrating after picking up another award at this years Northern Star Awards. The firm won in the “Staff Matter” category beating off stiff competition from the other finalists who were Marathon Oil and Bon Accord Care. Commenting on the award Managing Director Phil Anderson said “It is a great honour […]

Phil Anderson Announces Further Team Expansion

We are delighted to welcome Kenny Graham to the team as a mortgage and protection adviser. Kenny brings with him a wealth of business experience and we are sure that he will be a great addition to the business. Commenting on the appointment Phil Anderson, Managing Director of Phil Anderson Financial Services said: “We are […]

Oldmeldrum Charity Open

We are delighted to once again sponsor the Oldmeldrum Golf Club charity open which was held recently. This is the third year that we have sponsored the event. This year £500 was raised which was donated to our nominated charity which was Children 1st who support survivors of abuse, neglect, and other traumatic events in […]

Phil Anderson shortlisted for Northern Star Business Award

Phil Anderson Financial Services has been named as a finalist in the prestigious 2018 Northern Star Business Awards in recognition of the way in which the company excels in looking after its employees. The financial advisory firm has been shortlisted in the Staff Matter category alongside Bon Accord Care and Marathon Oil UK. Organised by […]

Becky Shiel appointed director at Phil Anderson Financial Services

Phil Anderson, owner of award-winning Phil Anderson Financial Services, has recognised the contribution his longest serving employee has made to the Aberdeenshire company’s success by appointing her company director and gifting her five percent of his company. Becky Shiel started working for Phil seven years ago as a part-time administrator. As work became busier she […]

Support for Mortgage Interest (SMI)

Please be aware that Support for Mortgage Interest (SMI) is changing. From 5 April 2018, it will no longer be a benefit that can be claimed, but instead paid as a loan. Those currently claiming SMI should have received a letter from the Department for Work and Pensions. There will be no automatic conversion – […]

Scottish Budget Update

The draft Scottish budget has been announced in Edinburgh by Derek Mackay, Cabinet Secretary for Finance and the Constitution. The main announcement for Scottish resident taxpayers was the creation of two new income tax bands as outlined below. These bands only affect non-savings, non-dividend income e.g. salaries, trading profits and pension income. The various allowances […]

NS&I puts fixed term Bonds back on sale

National Savings and Investments (NS&I) has reintroduced 1-year and 3-year Guaranteed Growth Bonds and Guaranteed Income Bonds to general sale. Guaranteed Growth Bonds and Guaranteed Income Bonds have not been on general sale since 2009 but both 1 and 3-year Guaranteed Growth Bonds and Guaranteed Income Bonds will now be available to purchase online-only through […]

Budget Update

Philip Hammond has delivered his second Budget as chancellor. Here are some of the key points of his speech that impact on the finances of those in Scotland – Tax-free personal allowance on income tax to rise to £11,850 in April 2018. Higher-rate tax threshold to increase to £46,350. After years of hikes, the Individual […]

Phil Anderson sponsors Scottish Indoor Bowling teams

We are delighted to now be sponsoring the Scotland Indoor Bowling team for the 2017 test matches against England. As part of the partnership, our logo will feature on the Scotland shirts.   Phil Anderson, Managing Director at Phil Anderson Financial Services said: “We are delighted to be involved with the Scotland team. It was great seeing the […]

Double Celebration for Phil Anderson Financial Services

Two members of staff at Phil Anderson Financial Services are celebrating after a double success for the firm. Senior financial planner, Ryan Yule, was recently named UK Pension Adviser of the Year at the Finance Monthly Awards and administrator, Laura Stephen, is celebrating after passing the R01 financial services, regulation & ethics diploma exam. Commenting […]

Phil Anderson Financial Services extends Whitehall sponsorship

Leading North-east financial advisers, Phil Anderson Financial Services has pledged its support to the local outdoor bowling scene by agreeing to sponsor the Whitehall Invitation Pairs for a further three years. The firm which has offices in Aberdeen, Ellon and Caithness have been the main sponsor of the event for the last three years and […]

Gathimba Edwards Foundation

Phil Anderson Financial Services has helped to provide Kenyan children with opportunities for a better future through a charitable donation. Phil Anderson Financial Services, which has offices in Ellon, Aberdeen and Caithness, recently donated £500 to the Gathimba Edwards Foundation, a charity that supports disadvantaged kids in the east African country of Kenya. Through its […]

Spring Budget 2017

Within the many announcements made in The Budget yesterday, there were a couple that potentially affect client’s financial planning: Firstly, the Dividend Allowance reduction from £5,000 to £2,000 from April 2018. This not only affects the remuneration planning of Directors and the income strategy of investors, but it increases the value of the tax efficient […]

Phil Anderson wins two prestigious finance awards

Phil Anderson Financial Services is celebrating after winning two finance industry awards. We retained the title as Best Financial Advisory Firm – Northern Scotland at the Wealth & Finance 2016 Finance Awards for the second year in a row. We were also awarded with the Excellence in Client Service – Northern Scotland accolade at the […]

Festive Opening Times

We’d like to take this opportunity to thank our clients, staff and friends for their tremendous support this year and wish you a very Merry Christmas and a Happy New Year! We’re closing the office at 4pm on Friday 23rd December and are returning to work on Wednesday 4th January 2017, but don’t forget we […]

Protecting your home from the winter weather

The last couple of weeks have seen plunging temperatures and even snowfall in some parts of the UK. This last week alone has seen a cold snap that has brought sub-zero temperatures. With the colder weather also brings the threat of frozen pipes. In 2014 the Association of British Insurers (ABI) reported the average claim […]

Ellon Christmas Lights Sponsorship

Phil Anderson Financial Services is delighted to spread some festive cheer among the local community by donating a dream holiday to Lapland. We have donated the prize trip to Ellon’s Christmas Lights Day, which takes place on Saturday 19 November, after it was announced that the previously cancelled event had been rescued by a local […]

Small Business Big Heart

Phil Anderson Financial Services has been recognised for its continuous support of non-profit-making organisations in the North-east having been awarded as the regional winner of the Small Business Big Heart Award for Aberdeen. The accolade, which recognises small businesses across the UK that go to great efforts to support their local communities, was presented to […]

Buy North East

We are delighted to show our support for the region by pledging our support to the Buy North East campaign. The Buy North East campaign aims to get local procurement on the business agenda in the region. At a time when many businesses and individuals are feeling the impact of the oil and gas downturn, […]

New Addition To The Team

Phil Anderson Financial Services has added to its team and its geographical reach by appointing a new financial advisor. Nigel Anderson, 53, has joined us, to manage clients in Deeside and west Aberdeenshire. Mr Anderson has more than thirty years experience in financial services and joins the team following a fifteen-year career as an independent […]

Is your life insurance policy written in trust?

Is your life insurance policy written in trust?…If not, then watch out for inheritance tax. When people buy and arrange life insurance cover from an online provider, they may not realise the importance of making sure the policy is written in trust. The insurance policy is often taken out with the best of intentions, typically […]

Breakneck Comedy Sponsorship

Phil Anderson Financial Services are delighted to be helping to bring Breakneck Comedy back to Ellon. We are the main sponsors for the next Ellon Comedy Night which is due to take place at the Victoria Hall, Ellon on Saturday 13th August 2016. The headline act is Lateef Lovejoy and he will be joined by […]

Buchan Bowling Association Sponsorship

Phil Anderson Financial Services are delighted to sponsor the Buchan Bowling Association team for the 2016 season. The sponsorship of over £1,000 means that the county team will have new shirts for the 2016 Cities & Counties championship. On the green the players made a good start to this years Cities & Counties championship with […]

Elevator Award Finalists

Elevator Award Finalists We are celebrating after the recent announcement of the shortlist for this year’s Elevator Awards. Phil Anderson Financial Services has been nominated in the Employer of the Year category. Phil Anderson, Managing Director said “I am absolutely delighted that we have made the final three in this award category. Our staff are […]

A safe investment?

To celebrate the Grand National this weekend we are giving away a £50 Gift Voucher for Casa Salvatore, Ellon’s finest and longest established Italian Restaurant. To enter simply leave a comment on our Facebook post with the name of the horse that you think will win this years Grand National on Saturday. All those that […]

Budget – Key Points

George Osbourne has delivered his latest budget and the following is a quick summary of some of the key points – The threshold at which people pay 40% tax will rise from £42,385 to £45,000 in April 2017 Tax-free personal allowance to rise to £11,500 in April 2017 Capital Gains Tax to be cut from […]

Phil Anderson Financial Services pledges support to Aberdeen Cyrenians

Phil Anderson Financial Services is pledging its support to a local charity, to help fund key projects for those affected by homelessness in the city and surrounding area. We have pledged to support local charity, Aberdeen Cyrenian’s, by gifting the charity with £10 for every mortgage procuration fee the firm receives and arranges on behalf […]

Have you considered re-mortgaging? There has never been a better time

With the festive period over, many individuals will be looking to adjust their finances after overspending throughout Christmas and New Year. Looking forward to the year ahead with new beginnings on the horizon, many individuals turn to address their finances, planning on how to re-evaluate their spending for the coming year. With interest rates still […]

New Office and Festive Opening Times

Our Ellon office has now moved to larger premises at 8 Bridge Street, Ellon, AB41 9AA. This is formerly the Ellon Times office between Jax Fish & Chip Bar and the Nosheen Tandoori. The office will be closed from 23rd December until Tuesday 5th January 2016. For anything urgent during this time please contact Phil […]

Phil Anderson Financial Services named as a winner in the 2015 Finance Awards

The 2015 Finance Awards were created to recognise and reward excellence, best practice and innovation in the finance sector. The awards programme is designed to recognised the businesses and individuals keeping the financial industry going. Phil Anderson Financial Services are delighted to be named “Best Financial Advisory Firm – Northern Scotland.” Commenting on the award […]

Autumn Statement

In the government’s Spending Review and Autumn Statement, the Chancellor set out his plans to continue to reduce the national deficit, and return the country to surplus by the end of the current Parliament in 2020. These include measures to provide opportunities for families through higher wages, lower taxes and lower welfare, improvements to infrastructure […]

Ellon Farmers Market

The November Ellon Farmers market will be held in Neil Ross Square on Saturday the 28th. This month the market advertising has been sponsored by Phil Anderson Financial Services.

Bright Grey

Bright Grey rebrands to Royal London on 30 November. As part of this, the company name that appears on your bank statement for protection payments will change. The change will not affect the service received in any way.

Awards Success For Phil Anderson Financial Services

Phil Anderson Financial Services Ltd, has been recognised for its outstanding customer service, gaining one of the UK’s highest profile awards. The firm of independent financial advisers which has offices in Aberdeen, Ellon and Caithness, has been named the winner of the Best Customer Service category by the Best Business Awards 2015. The financial services […]

Breakneck Comedy Returns to Ellon

Breakneck Comedy is to return to Ellon after a sell-out first show at the New Inn recently. The evening was sponsored by Phil Anderson Financial Services and tickets are now on sale for the next show in Ellon which is on Friday 11th December. Tickets are available from Phil Anderson Financial Services office at 34 […]

Getting your first mortgage

Getting your first mortgage For many people home ownership is a financial priority, and often one of the biggest decisions you will ever make. This is why getting your first mortgage needs careful planning and preparation in order to consider all of the options available. Here are our tips to improving your position as a […]

Caithness Rugby Football Club

We are delighted to support Caithness Rugby Football Club for the 2015/16 season. They started with a fine 39-19 win on Saturday and we wish them well for the season ahead. We are also delighted to be match ball sponsors for the match against Gordonians in January 2016.

Premium Bonds are changing

From 1 June 2015 you can invest £50,000 in Premium Bonds making this a great opportunity for you to save more tax-free and potentially win even more prizes. Parents or legal guardians can also apply online or by calling National Savings & Investments, making it even quicker and easier to buy Premium Bonds for their […]

The Importance of Having Goals

The process of setting goals and putting a plan of action in place to achieve them is probably the single most important step someone can take towards success in life. Imagine setting out on a long journey without a clear idea of your destination and some map or plan of the route. Life is our […]

Living Wage Accreditation

The Living Wage Foundation, in partnership with Poverty Alliance, is pleased to announce that Phil Anderson Financial Services, has today been accredited as a Living Wage employer. The Living Wage commitment will see everyone working at Phil Anderson Financial Services, regardless of whether they are permanent employees or third-party contractors and suppliers; receive a minimum […]

Premium Bonds

In the Budget on Wednesday, 18 March 2015, the Chancellor confirmed that the investment limit for Premium Bonds will be increased from £40,000 to £50,000 on 1st June 2015. This gives clients an opportunity to invest even more tax free and potentially win a big prize. For information on savings and investment options contact Phil […]

Autumn Statement

Stamp Duty – George Osborne delivered the final Autumn Statement prior to next years general election with changes to Stamp Duty Land Tax at the forefront of his speech. Stamp Duty will be replaced in Scotland on 1st April 2015 by the Land and Buildings Transaction Tax. The changes announced yesterday will take effect straight […]

More Awards for Phil Anderson Financial Services

Phil Anderson and Neil Gallagher have been recognised as a Top Rated Independent Financial Adviser and Top Rated Mortgage Adviser on VouchedFor.co.uk. Being Top Rated signifies that Phil and Neil from Phil Anderson Financial Services are in the top 0.5% of advisers in the UK making Phil and Neil a great resource for people in Aberdeenshire to have on the doorstep. Comments […]

Phil graduates from ABN Networking Academy

Our Financial Services Director, Phil Anderson, has become one of the first to graduate from The Aberdeen Business Network Networking Academy. Commenting on the award Phil said: “The Networking Academy is a great way of further developing your business development and communication skills.” Award-winning entrepreneur Andrew Smith is ABN director – who also look after […]

Scottish Home Show

We are delighted to let everyone know that we will be exhibiting at this years Scottish Home Show. The event takes place at the Aberdeen Exhibition & Conference Centre from Friday 26th September until Sunday 28th September. This years show is being officially opened by Lorraine Kelly. Tommy Walsh is making a return to this […]

Ellon Super Six

The 2014 Ellon Super Six lawn bowls tournament sponsored by Phil Anderson Financial Services was a big success with Westhill Bowling Club lifting the trophy for the first time. Mike Stephen’s select side finished second with Kittybrewster & Woodside third and Peterhead Bowling Club coming in forth. Pictured is the winning team along with Phil […]

National Savings & Investments

National Savings & Investments have announced that as well as introducing a second £1 million jackpot to the monthly Premium Bond prize draw, the prize fund will increase from today (1st August 2014). From the August draw onwards – There are two £1,000,000 jackpots The annual prize fund rate increases from 1.30% to 1.35% They […]

Ellon Super Six

Phil Anderson Financial Services are delighted to again sponsor this years Ellon Bowling Club Super Six Tournament. This years competition will be held on Friday 15th, Saturday 16th and Sunday 16th August. Last year the Phil Anderson Financial Services team won the tournament beating New Deer in the Semi-Final and then a “Young Guns” select […]

Scottish Kids Show

We are delighted to announce that we will be exhibiting at this years Scottish Kids Show. The event is run by the organisers of the Scottish Home Show and it will take place on 28th and 29th June at the Aberdeen Exhibition & Conference Centre. Once we know our stand number we will let you […]

Scottish Life Rebranding

We have a number of clients that have pensions with Scottish Life which is a division of Royal London. They have notified us that Scottish Life will soon be rebranding to Royal London. Policyholders will be notified of this change soon.

Brokering Change

For every person a mortgage broker helps buy a property, there’s another person living in fear of eviction, repossession or without a permanent home. To help combat these problems and change someone’s life for the better, Phil Anderson Financial Services has signed up to the Legal & General Mortgage Club scheme called Brokering Change. For […]

State Benefits – Could you live on them?

Austerity measures in the UK have meant some of the biggest cuts in state spending since World War II, and as a result the traditional safety net of state benefits is reducing. Research by Legal & General shows that, on average, people could be on the breadline in just 26 days* if all they had […]

To celebrate Aberdeen Football Club winning the Scottish League Cup and Phil Anderson being named as one of the UK’s top rated IFA’s we are giving away a pair of limited edition engraved glasses

The Glencairn Glasses were presented to corporate guests at the final. To enter the prize draw simply “like” our facebook page and this post. Anyone who shares the post will gain an extra entry into the draw. The winner will be drawn at random prior to the Kilmarnock match on Saturday.  

State Benefits – Could you live on them?

Austerity measures in the UK have meant some of the biggest cuts in state spending since World War II, and as a result the traditional safety net of state benefits is reducing. Research by Legal & General shows that, on average, people could be on the breadline in just 26 days* if all they had […]

As April 5th is the last date in the 2013/14 tax year,

that’s your final chance to make the most of your full 2013/14 ISA and Junior ISA tax-efficient savings allowance. You can invest up to £11,520 in a Stocks and Shares ISA and up to £3,720 in a Junior ISA over the 2013/14 tax year. If you have still to use some or all of your […]

At least 2 out of 3 people in the UK, don’t have any form of life cover.*

So how can we help? We are independent advisers and this means we can research the whole market to find our clients the best protection policies to meet their needs. For some clients we can also set policies up where their work/business pays the premiums and this can save up to 49% on the cost […]

Phil Anderson Financial Services Culture Statements

Integrity – Integrity is our guiding principle. We stand behind what we say we will do for our clients, our stakeholders and our people. Honesty – We like people who are honest. Honest in argument, honest with advice, honest with our staff, honest with our suppliers – and above all, honest with our clients. Customer […]

For every person we help to buy or rent a home, there is someone else living in fear of eviction

or repossession, and many thousands more who have no permanent place to call home. That’s why we are proud to be a member of Shelter and Legal & General’s Brokering Change scheme. From every mortgage procuration fee we receive, we make a donation to Shelter, the housing and homelessness charity, to help people who are […]

Our Vision Statement

To be recognised as the number 1 financial advisory firm in the North and North East of Scotland. #forfinancephonePhil

Our Mission Statement

To provide world-class financial advice to our clients that is affordable and carried out in a friendly, reliable manner that exceeds the clients expectations. We look to provide consistent expert advice through our professional team. #forfinancephonePhil

The 31st January self-assessment deadline is looming…

…for the 2 million parents HMRC contacted about a potential High Income Child Benefit Tax Charge. This could cost a family with 3 children as much as £2,449 each year. While it might be too late to do anything to avoid the charge for 2012/13 our advice could help families to retain their child benefit […]

Once you have stopped smoking for over 12 months,

you can potentially save hundreds of pounds with a cheaper premium on life insurance, critical illness cover and income protection. If you stopped smoking last January (or before) we would love to review your existing protection policies to try and save you money.

Is your protection insurance plan still giving you value for money?

Life passes us by so quickly that we sometimes forget the little things. Like making sure our insurance plans are up to date. If you’ve got married, moved house, or had children since you bought your original life, critical illness, or income protection plan, you might find that this cover no longer meets your needs. […]