"My wife and I have been clients of HMS Financial, Margaret Scott since before its inception, so we have worked with Margaret for well over ten years. Perhaps that in itself will tell you what we think of the professionalism, expertise and efficiency that Margaret displays at all times when dealing with her clients.

The advice we have received over the years has always been of the highest quality and definitely correct. Not only that but nothing is too much trouble and we would say that Margaret is as much a friend as she is a financial advisor. Indeed we have suggested to family and friends that they consult Margaret and I know that they have been dealt with in the same friendly and professional style that Margaret displays at all times – if you need financial advice ask HMS Financial every time."

"I have been a client of HMS Financial Ltd for many years now, and have been provided with expert financial planning and investment advice. I have also had my financial affairs arranged by them in the most tax efficient way. The firm’s knowledge of current financial matters is up to date and sound.  I have had no hesitation in recommending this service to many friends who have also been satisfied with the help and information provided."

"I moved from London to Edinburgh in 2011 and in early 2016 my then financial adviser (based near London) and I agreed that it would be better for me to transfer to an adviser in Scotland. The tax systems were starting to diverge, and I was starting to think about retirement, whereby I wouldn't be getting my state pension for another few years. I was about to make one of the most important financial decisions of my life - what to do with my private pension pot. As always with a financial adviser, it took time for us to get to know each other, but Margaret was very patient while I dithered around trying to make up my mind what to do. I'm very happy with the advice she's given me and wouldn't hesitate to recommend her to others. Several of my friends are now also clients of hers."

"I have used the services of HMS Financial for over 7 years and as a chartered accountant, now retired, referred many clients who required financial advice at various stages of their life. Feedback from clients was always positive and the feedback indicated that they felt that their needs were being addressed and that the advice received was both relevant and sound. Perhaps the most relevant point is that I use the services as well and when organising my retirement, which was enforced due to ill health, the support provided to my wife and I at a difficult time was absolutely superb with detailed attention being paid to the total package which could be arranged and organised in a tax effective manner. I am more than happy to recommend HMS Financial Ltd as a friendly and professional adviser."