Our ProcessOur Process

Meeting You

We’ll meet with you virtually or at our office in Glasgow.  During the course of this initial meeting you’ll find out how our financial advisers work and explore what they will be doing for you. It’s necessary for the adviser to take proof of identity and proof of address at this stage. You will be left a copy of the Client Agreement and the Service Proposition & Engagement documentation to read through at your leisure.

Fact Finding

During the course of our initial meeting or at the second meeting we will carry out a fact-finding exercise with you to establish your needs and wants. We’ll take heed of any specific requests you have and endeavour to fulfil them where possible. We may have to obtain your permission to contact pension providers or other financial institutions for more information about specific plans.

Doing Our Research

We carry out detailed research in order to establish which providers best suit your needs. This may be for investments, trusts, pensions, or protection policies. Providers have varying ranges of products, differing in their length and cost, and are used for clients with different needs. In some instances we will use an independent research company to ensure the most suitable plan is chosen for you.

Advice Plan

We will then formulate an advice plan that includes any needs that have been identified as well as any specific wishes of the client. Where necessary this will include advising you yo consult another specialist (e.g. for wills or power of attorney). Our advice to you is written in the form of a “Suitability Report” that will be sent to you via post and another meeting will be arranged. Up to this point you will have incurred no cost.


A further meeting will take place to present the advice contained within the Suitability Report. If you’re happy with the advice then the Client Agreement and the Service Proposition & Agreement documents will be signed. Any application forms required will be completed at this point, along with any additional information required by the providers.


The application forms and/or Trust forms will be sent off to the providers and all necessary administration work will be carried out in our office. When plans have been completed you will be contacted by us to ensure that all necessary confirmation or policy documents have been received from the provider companies.

Annual Review

We’ll carry out an annual review for you, unless you have specifically requested a ‘transaction only’ arrangement. You may have to be contacted more than once a year because of changes to personal circumstances, changes to legislation or market conditions. The details of the annual review are contained within the Service Proposition & Engagement documentation.

Our Services

Kind Words from our Clients

David has been financial adviser to my wife and myself for a number of years now.
I have always been impressed by his market knowledge , and desire to find solutions for retirement/investments that are best suited to our personal situation.
In addition,David helped to progress a critical illness claim after a fall at home 5 years ago ,resulting in premature retirement, when the company concerned was less than helpful initially.
His visits are always at a mutually suitable time and date , and David is a friendly and welcome visitor.
His investment suggestions and portfolio changes changes have proven to be good choices to date, and we look forward to David’s advice for years to come..

Dr A M

Doctor David and his team have been helping me manage my finances for many years now through my working years and now in retirement. I’ve been confident that he has my interests at the forefront of everything he recommends and am happy to recommend him to anyone who needs sound advice.

Dr M G

Doctor David Vance has been our Financial Adviser since 2013. Over the years he has given us sound advice on our Investments. He has always taken into consideration our views on Risk Factors with positive results.
We feel that we can contact David and his office staff at anytime.

W. & M. R

At our first meeting with David, more than five years ago, he quickly grasped the key issues in our financial situation and provided advice and guidance which has proved to be a very positive foundation for managing transition to retirement.
When circumstances required prioritisation of attention and energy to other areas of our lives, it was reassuring to know he was continuing to monitor and review. He quickly responded to any questions we had and promptly dealt with matters which required attention.
The prospect of challenges ahead is less daunting, knowing that we have his continued support and interest in ensuring positive outcomes in our financial planning.

Dr B. B.

Retired Psychologist David always gives me exceptional advice, always taking care to make sure he understands my personal requirements. He visits my home at a time convenient to me and on his last visit, he potentially saved me thousands of pounds by working out that I could pay off my mortgage and invest the money saved in a more appropriate pension fund. Win, win! I am a single parent and don’t earn a huge salary. Financial advisers are for everyone though and I am delighted with the advice I have received. See you next year David.

Miss A. M.

HR Manager Having used Vance Financial Management for several years now I would have no reservations in recommending David and his team to give sound advice on any future investments that any of my family or friends would like to make.

Mrs A.G.

Retired I have known David Vance for approximately 14 years. Over that period, he has handled my Pensions and Investments. His knowledge and financial advice have stood me in good stead.
I would recommend him to anyone requiring impartial financial advice.

Mr W. O.

Business Owner We have been clients of David Vance for over 5 yrs now and of all the financial advisers we have been connected with we have found him to be very knowledgeable about the current market and investments that are available. At no time does he put us under any pressure to make a decision but his experience has been invaluable to us and what we want to achieve not only for ourselves but our family. We would highly recommend David and his Company as a Financial Adviser.

Mr J. S.

Retired I was introduced to David Vance, the Director of Vance Financial Management – just prior to the retiral of Jim Kane – in 2013.I have always found David to be very professional, knowledgeable and customer focused.
My association with David has become a working relationship where I am happy to share all my private and personal information, in return for the best financial advice available. His advice to date has proved to be sound and I am very pleased with the monies that my investments have accrued over this period.
Dealing with David also makes me relaxed, knowing that he understands my lifestyle, he provides me with individual attention by considering the fine details of my financial position, he considers my future requirements and he always emphasises the possible attached risks.
Honesty and integrity are important factors to me and Vance Financial Management are a company that I highly recommend.

Mr A. W.

Retired David is helping me reach my financial goals. His knowledge of pensions and other financial products is immense. The value of my pension now is way beyond my expectations – thanks to David’s advice.

Mr M. S.


Send Us A Message or Contact Us

Suite 324-325,
Baltic Chambers
50 Wellington Street
Glasgow, G2 6HJ

0141 202 0753





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0141 202 0753info@vancefm.co.uk

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Suite 324-325, Baltic Chambers
50 Wellington Street
Glasgow, G2 6HJ

© 2022 Vance Financial Management. All Rights Reserved.
VANCE Financial Management is a trading name of David Vance Consulting Ltd, a company registered in Scotland (SC346801).
David Vance Consulting Ltd is authorised and regulated by the Financial Conduct Authority (FCA FRN 806587).
The FCA does not regulate tax advice, trusts and wills.
Registered Office: Suite 324-325, Baltic Chambers, 50 Wellington Street, Glasgow, G2 6HJ.
Tel: 0141 202 0753 – Email: info@vancefm.co.uk – Web: www.vancefm.co.uk
The guidance and/or advice contained in this website is subject to UK regulatory regime and is therefore restricted to consumers based in the UK