Welcome to Central Investment
Headquartered in Aberdeen, Central Investment is one of Scotland's leading firms of Independent Financial Advisers (IFA).
Our long standing success is built on forging strong relationships, by providing professional, unbiased advice and investment management services to both private clients and businesses.
With a clear lineage of experience and expertise, Central Investment’s financial advisers provide sound advice on a comprehensive range of financial services.
How We Can Help You
We provide an extensive range of financial services including retirement and pension planning, investment planning, inheritance tax planning, long term care, house purchase funding and remortgages, employee benefits, group pensions and automatic enrolment.


The Central Investment approach is client centred, not product driven, which puts your current objectives, financial goals and future aspirations at the heart of the process.
how we can help


At the heart of our approach is the belief that delivering professional, impartial advice will add real value to your business. At Central Investment, our client retention is amongst the best in the industry.
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Who We Are
Trusted, impartial financial advisers to businesses and individuals for more than 40 years
Founded in 1973, Central Investment underwent a Management Buy Out in 2008, with the firm now headed up by a Board of four Directors who each have more than 30 years of experience in the financial services industry.

Located in the west end of Aberdeen, Central Investment has a large team of experienced advisers, who offer tailored financial planning advice to both private and corporate clients throughout Scotland and beyond.

With unrivalled expertise across the whole financial services market, the team at Central Investment take pride in delivering consistently high standards of service, with a longstanding client base that lays testament to this.  Professionalism, attention to detail, an extremely high level of expert advice and a comprehensive monitoring service means that client interests are well served and protected.

We have a complaints procedure that is available on request. For more information please visit our terms and conditions page. 
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Founded in Aberdeen

Each Director’s minimum years of experience 
in the financial industry

Board of Directors and Non-Executive Director

Client assets under advice

The Team
With unrivalled expertise across the whole financial services market, the team at Central Investment take pride in delivering consistently high standards of service, with a longstanding client base that lays testament to this. Professionalism, attention to detail, an extremely high level of expert advice and a comprehensive monitoring service mean that client interests are well served and protected.
Latest News
  • Pedal to the Medal
    Getting to the top of your chosen sport takes grit, commitment and a determination to succeed.  But at the end of the day, success or failure also comes down to securing crucial financial support. For talented track cyclist Georgia Mansfield, sponsorship from Central Investment Services has enabled her to hone her skills and compete on the national and international cycling stage.
  • Experts Make Financial Planning Child’s Play
    “We have seen a really positive reaction from the pupils so far and they are really engaging with the sessions. I think the board game gives financial planning a softer edge and makes it more relevant – especially with the younger hypothetical clients they are given.
  • We Know the Importance of Investing in Our Community
    We recently moved office from our longstanding residence at Albert Street to new premises on Albyn Place. As a result, we donated four lorries worth of office furniture to Aberdeen’s leading crisis charity, Somebody Cares.
  • Brexit: Negotiating Financial Markets

    Every day seems to bring another story on how Brexit negotiations are progressing or not as the case may be. Our Managing Director has written an insightful piece on the impact Brexit may have on our financial markets.


  • We have moved!
    After over 40 years in Albert Street, we have moved to our new office at 33 Albyn Place. We look forward to seeing you in our new premises soon.
  • Lifetime Allowance: How not to fall foul of the complex annual allowance
    In March this year, YourMoney.com reported that there was a 40% increase in the number of people who fell foul of the pension Lifetime Allowance in the 2016/17 tax year, after it was cut in April 2016. Read more to find out how to make your pension last a lifetime. 
  • How are Scottish Income tax rates changing?

    In December 2017, the Scottish Government voted to change tax band rules. A move, which for the first time set different tax rates to the rest of the UK, will see higher and additional rates of tax increased.Mike McAnulty, director at Central Investment, outlines the new tax bands, making things a little easier to digest. 
  • Spring Budget, 2018
    Chancellor Philip Hammond delivered his first Spring Statement on Thursday 13th March. It started on a fairly positive note, and he promised there is ‘light at the end of the tunnel’, but his announcement didn’t welcome much in the way of large sweeping statements, so what should you be aware of?
  • Central Investment Appoints Operations & Human Resources Manager
    Central Investment, one of Scotland's leading firms of independent financial advisers, has further strengthened its team with the appointment of Doreen Baley. 
  • Base rate rise: what does it mean?
    For the first time in 10 years, the Bank of England announced on Thursday 2 November an increase in UK interest rates.
    Derek Robertson, managing director at Central Investment, one of Scotland's leading firms of Independent Financial Advisers, discusses the reason behind the rise and explains how it will affect individual homeowners.   
  • Lloyd Davies Secures Chartered Status

    We’re delighted to announce that Lloyd Davies has recently achieved his Chartered Financial Planner status.
  • Scotland’s Top Junior Female Cyclist Benefits from Central Investment Sponsorship

    We are delighted to announce our sponsorship of Georgia Mansfield, Scotland’s fastest junior female cyclist. 
  • Diversifying for Long Term Stability in Unstable Times
    As Britain prepares for its exit from the European Union and Scotland petitions for a second referendum, the economy is facing an ambiguous future.

    Mike McAnulty, director at Central Investment, discusses the importance of keeping your portfolio adequately diversified during times of volatility.
  • Budget 2017: how does it affect you?
    Last week marked Chancellor Philip Hammond’s first spring Budget (and incidentally last, as he’s moving the Budget to autumn) and as predicted by most, it was a relatively quiet affair.
  • Smart Beta - Where active and passive meet
    Interest in smart beta indices has been fuelled by the global financial crisis, meaning that alternative methods of investing, which focus on controlling risk rather than simply maximising returns, have become a favourable choice for many investors.
  • Act Now to Ensure Pension Protection
    The March 2014 Budget saw the Chancellor announce a number of major pension changes, which will offer greater control over how you spend, save and invest your retirement pots from April 2015. In addition, his Autumn statement announced on 03 December 2014, confirmed the abolition of pension tax charges on death. This has now been approved by Royal Assent and puts pensions at the forefront of inheritance planning going forward.
  • Expert Financial Advice Can Help the Auto-Enrolment Process Run Smoothly for SME’s
    From this year, over 45,000 SME's will fall under the new workplace pension duties set out by the Pensions Regulator, and will therefore be required to set-up and enrol their employees into a Qualifying Workplace Pension Scheme.
  • Central Investment adds to Advisory Team
    Mr Baber joins Central Investment as a Chartered Financial Planner with more than 15 years' experience, having previously held senior positions with a number of leading financial firms.
  • Central Investment Announces Double Appointment
    Central Investment, one of Scotland's leading firms of Independent Financial Advisers, has added two new senior appointments to its team.
  • Avoid the Year-End Panic by Preparing Your Finances Early
    For many people, tax planning is a necessity that often falls down their list of priorities as more pressing paperwork takes precedence over the year. Bill Ellis, Director at Central Investment, discusses how planning ahead and acting sooner rather than later can allow you to take advantage of the fresh tax year's allowances and various investment options on offer, in addition to avoiding any costly delays.
  • Fundraising Team raises £2,500 for Local Charity
    Local Charity Home-Start Aberdeen has received £2,500 from Central Investment after a team of five employees took part in the Baker Hughes 10k.
  • Protecting your retirement fund
    The March 2014 Budget saw a number of pension changes introduced, including increased flexibility for those looking to access their pension funds.
  • Aberdeen Firm Supports Local Swimming Club
    With Central Investment's contribution, members of Aberdeen Amateur Swimming Club (ASC) have headed off to train in Tenerife, Spain, participating in a valuable winter training opportunity.

Independent Advice
Personal and corporate life is full of sometimes challenging, daunting and critical financial decisions, without expert guidance it can be easy to make bad choices. With so many financial products on the market, the role of a good Independent Financial Adviser (IFA) is to identify, agree and implement the best solutions for an individual or company’s needs.

The ‘Independent’ in IFA is fundamental and means the IFA must be independent of any product or provider, therefore committed to offering impartial advice.

Central Investment is authorised and regulated by the Financial Conduct Authority to provide peace of mind to our clients.

The guidance and/or advice contained within the website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK.
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Central Investment Services (Scotland) Ltd is Authorised and Regulated by the Financial Conduct Authority. Registered in Scotland No SCO54118. Registered Address: 33 Albyn Place, Aberdeen AB10 1YL

We are entered on the Financial Conduct Authority Register No 114793 at https://register.fca.org.uk  The Financial Conduct Authority does not regulate taxation and trust advice and some aspects of employee benefits.

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