McHardy Financial are Chartered Financial Planners . We offer cash flow modelling and independent financial planning and advice to individuals and companies. Our fully qualified and experienced financial planners , backed up by a dedicated team of professional technical support staff are based in offices in Aberdeen, Edinburgh, Perth, Kirkcaldy and Galashiels. The cost of an initial 1 hour consultation with McHardy Financial will be met by us and free of any obligation.