Ryan O'Neil

Cowley & Miller Ifs Ltd


Newburn Place
KY12 7XN

Ryan O'Neil

Cowley & Miller Ifs Ltd

Cowley & Miller Independent Financial Services Limited are truly independent – we are not tied to any one UK financial services provider and offer advice from the entire UK financial services market.

We fully believe that by providing both our existing and new clients with clearly impartial and independent financial advice we can meet your immediate and future financial needs.

Our clients come from a broad and diverse range of backgrounds. We deal with private individuals and families to small and medium size businesses.

There are four stages to our financial planning process.

Stage 1 - Initial Consultation -  This comprises of an initial meeting and the opportunity to ask questions and understand what we do. It is also an opportunity for us to establish what your needs are. At this stage we will discuss our service proposition and the costs involved. There is no charge for this initial consultation.

Stage 2 - Financial Review and Recommendation  - We will carry out an extensive assessment of your financial circumstances at the outset to establish your financial planning requirements. This will include:

 - gathering information about your existing financial arrangements, your investment knowledge and attitude and tolerance towards investment risk, analysis and design of your investment strategy and presentation of your recommendation.

Stage 3 - Arranging and Setting Up Our Recommendation - We will handle all administration on your behalf, give you regular updates to keep you informed, ensure all your documents are issued in line with your expectations and confirmation of all actions taken on your behalf in writing.

Stage 4 - Ongoing Service and Reviews - As your personal objectives may change to due changes in your lifestyle or circumstances, we believe it is essential to ensure that our recommendations continue to meet your lifestyle. Our on-going service offers:

- regular reviews, assessment of your circumstances and any changes to your plans that are needed

- regular updates and information regarding your plans

- A choice of differing levels of support depending on your needs

- Ongoing support with correspondence and administration issues


What we do...

  • First time buyer mortgages

  • House move or re-mortgage

  • buy to let mortgages

Experience & Qualifications

I have been in financial services since 1992 and have a successful track record in helping my clients reach their financial objectives. By being independent and using the entire UK financial services market, my clients can be sure that they receive clear, impartial advice to meet their immediate and future financial needs.

I am based on Dunfermline, but have clients all over Scotland and in the North of England. I am happy to meet my clients wherever is most convenient for them (at their place of work, at a local coffee shop/restaurant or in the comfort of their own home) at a time that suits. (I am available for appointments 7 days a week.)

Institute of Financial Services – Diploma For Financial Advisers

Chartered Insurance Institute – Certificate in Mortgage Advice

Chartered Insurance Institute – Certificate in Financial Administration (Pensions)


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