---
title: "Independent Investment Advice | Phil Anderson Financial Services"
url: https://www.philandersonfinancial.co.uk/services/investments/
description: "Independent investment advice on ISAs, bonds, funds, tax-efficient investments and inheritance tax planning from advisers in Aberdeen, Ellon, Wetherby and Wilmslow."
updated: 2026-11-04
publisher: Phil Anderson Financial Services (FCA 631218)
---

# Investment advice

We help you invest your money in a way that matches your goals and how much risk you are comfortable with. As independent advisers we can recommend products from across the market, not just one provider’s.

- **Advice type:** Independent, whole of market
- **Advice on:** ISAs, bonds, funds, investment trusts, tax-efficient investments, inheritance tax planning
- **Meeting options:** Office, home visit, phone or video

## What can you advise on?

### Investments

- Stocks and shares ISAs
- Junior ISAs
- Investment bonds
- Investment trusts
- Unit trusts
- Open-ended investment companies (OEICs)
- Exchange traded funds
- Capital protected investments
- Enterprise Investment Schemes

### Savings

- Cash ISAs
- Regular savings plans
- National Savings & Investments (NS&I)
- Bank and building society accounts
- Deposit accounts
- Child Trust Funds

### Tax planning

- Personal tax planning
- Inheritance tax planning
- Tax-efficient investments

> “Phil’s knowledge of the financial sector is second to none, he is meticulous and extremely trustworthy.” (David, Ellon)

## How do you decide where to invest my money?

First we agree what the money is for and when you will need it. Then we assess how much risk you are willing and able to take. Only then do we recommend investments, and we explain the charges and risks of each one before you decide.

We review your investments with you regularly, so they keep matching your plans.

## Investment advice: your questions answered

### What does independent mean?

Independent advisers can recommend products from across the whole market. A restricted adviser can only recommend products from a limited range of providers.

### Can you help with inheritance tax?

Yes. Inheritance tax planning and tax-efficient investments are both areas we advise on. We look at your estate as a whole and explain the options that fit your plans.

## Who will I speak to?

      [Jake Crossley Independent Financial Adviser](/meet-our-team/#jake-crossley)[Phil Anderson Founder and Director](/meet-our-team/#phil-anderson)[Peter Brown Independent Financial Adviser](/meet-our-team/#peter-brown)[Margaret O'Brien Independent Financial Adviser](/meet-our-team/#margaret-obrien)[Emma Reid Financial Planner](/meet-our-team/#emma-reid)

> “We were on a very tight deadline and Neil made it his priority to get our mortgage set up quickly and efficiently.” (Alana, Aberdeen)

      [Speak to an adviser](#enquiry)

Last reviewed November 2026

The value of investments can go down as well as up and you may not get back the full amount invested.

    [Trusted since 2011 · read client stories](/testimonials/)

> “What you did for us took all the worry away and answered all the questions.” (Katrina, Orkney)