Andrew Cairns Ltd

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Andrew Cairns Ltd Independent Financial Adviser

Our People

   Andrew Cairns DipPFS

Andrew CairnsWith 35 years experience in Financial Services Andrew is a committed professional with a wealth of knowledge in the sector.  At the core of Andrew’s financial advice philosophy is a determination to improve the financial position of others.  This sentiment is echoed in his personal life where he is involved with several charities.

Born in Zambia and educated in Zimbabwe Andrew came to the UK aged 20 and now lives in rural Wiltshire where he indulges his enthusiasm for gardening.  Andrew enjoys walking and sailing in the summer and reading in the winter; sampling the delights of local country pubs is a year round hobby!

A qualified member of the Chartered Insurance Institute and the Personal Financial Society Andrew is committed to continued professional development. 

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Tel: 07973 174032


   Ailsa McFadyen DipPFS

Ailsa McFadyenA firm believer in providing innovative and individual focused financial solutions with the highest level of customer service, Ailsa has worked in the financial services for over 10 years and has a broad range of knowledge and experience.  Her background is predominantly pensions and wealth management and she has recently obtained the advanced diploma qualification in pension planning.  When she isn't studying Ailsa enjoys spending time with her friends and family as much as possible.  On a nice day she enjoys long walks in the New Forest followed by long lunches in a country pub.   

Ailsa is a qualified member of The Personal Finance Society and The Chartered Insurance Institute and is currently working towards the Advanced Diploma in Financial Planning with a view to becoming a Chartered Financial Planner.


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Tel: 07912 286 528

Last Updated on Monday, 10 June 2013 14:38

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Financial Review

Initial Meeting

Our approach is to sit down with you in your home, place of work or other convenient location and get to know each other.  We fundamentally believe in making no charge for this meeting

During this initial meeting our aim is to find out more about you and your financial aims.  At your consent we will record information on a Fact Find and establish if we need to gather any additional information.  We have found that it is often very useful if you have details of your current investments and policies to hand.

We will also provide you with a Client Agreement.  This document sets out your rights under current legislation and details some general points regarding the way our business operates.

Next Steps

Depending on your needs and circumstances we will assess your position and write to you outlining potential ways forward.  It may be that we need to carry out further investigations and have additional meetings.  We understand the importance of taking the time to obtain the right information, and getting to know you properly and will not charge you for our time during this phase. 

Once we have made a full assessment we will outline our proposals and explain the costs involved.  We will never carry out any work that attracts a charge without first obtaining your consent to proceed and stating in clear terms any costs involved.

On-going Service

We have found that for the majority of our clients it is appropriate to establish a long term relationship.  We will meet with you on at least an annual basis, or more often if appropriate. 

Last Updated on Thursday, 05 July 2012 08:38

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Last Updated on Wednesday, 02 May 2012 12:29

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We provide an online service which allows you to access investment valuations and other information regarding your policies.  If you are an existing client who is interested in this service, we can arrange this for a small monthly fee.  Please contact us for further information.

Please click here or on the image below to go to the login page for our Avelo system.


Last Updated on Tuesday, 22 May 2012 10:45

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