Regulatory Statements
'Gardner Financial Services is a trading name of GFS(Moray) Ltd which is authorised and regulated by the Financial Conduct Authority.'
The guidance and / or advice contained within the website is subject to the UK regulatory regime and is therefore primarily targeted to customers in the UK.
To visit the FCA consumer website - The Money Advice Service - please click here
To verify our status with the FCA, click here and key in our FCA number: 432976

Gardner Financial Services

Telephone: 01309 675757

Gardner Financial Services

About Us

Gardner Financial Services began life back in 2000, although our Principal, Duncan Gardner, has been providing independent financial advice since 1994 and has been in the industry since 1969.

We at Gardner Financial Services are truly independent financial advisers and are totally committed to giving independent advice.

Initial consultation, at no cost.

  • This enables you to decide if the service we offer is appropriate for your needs.


If you want us to conduct your business, we offer either:

  • A Fee option for investment advice
  • A Commission option for insurance advice
  • A Combination of commission and fee


We are happy to send you a copy of our Key Facts

'About our Services' and 'About the cost of our services'.

All these options we offer will of course be fully discussed with you before we accept your instructions to conduct your business.

Gardner Financial Services is a trading style of GFS(Moray) Limited which is directly authorised and regulated by the Financial Conduct Authority