Your Financial Future Starts Here . . .

Want to make the most of your investments? Limit the amount of tax you pay? Plan for a comfortable retirement? Whatever your financial goal, at AVETON GIFFORD ASSOCIATES we have the expertise to help you get the results you want.

Who are we?

We were one of the first companies in the country to be awarded the prestigious Chartered Financial Planners designation. This is the industry "gold standard" and Chartered status remains the benchmark of professional excellence and integrity.

We are a firm of independent financial consultants. And we mean independent - we aren't part of a nationwide network and we don't want to be. We think this constrains some larger organisations and stops them putting you, the client, first.

Our total independence means we're free to search the whole market to find the solution that's right for you, regardless of who provides it.

Whilst we offer advice on many areas of financial planning, our expertise is very much focused on investments - how to maximise income in these difficult times and how to achieve growth on a regular, secure basis. The fact that we are a small firm, and intend to remain so, allows us to focus on each individual client's unique requirements rather than impose a "one size fits all" doctrine.

Our pedigree

Our directors have 40 years' experience in the financial marketplace and are extremely well qualified. Simply put - we know what we're talking about. And our clients like the way we do things. Many of them have been with us for years and the majority of our new business comes via recommendations.

Where are we?

We have offices at either end of Scotland's Central belt. And we're happy to come and meet you in your office or home - whatever suits you. Of course, you can also reach us by phone or email

How can we help you?

This web site is your first step. You can use it as a basic information-gathering tool. But your financial needs are unique and planning for your financial future is one of the most important decisions you will ever make. That's why we believe that we can only give advice once we understand your current situation and future requirements.

An initial meeting is normally FREE OF CHARGE and carries no obligation. Let's talk!

Reference Data

2015/162016/17
Basic Rate Tax20%20%
Higher Rate Tax40%40%
Additional Rate Tax45%45%
Personal Allowance£10,600£11,000
Personal Allowance if born between 6 April 1938 and 5 April 1948£10,600£11,000
Personal Allowance if born before 6 April 1938£10,660£11,000
Income Limit before Personal Allowance is reduced for those born before 6 April 1948£27,700£27,700
ISA Allowance£15,240£15,240
Inheritance Tax Threshold£325,000£325,000
Capital Gains Tax threshold£11,100£11,100
Capital Gains Nil/Standard Rate18%10%
Capital Gains Higher/Additional Rate28%20%