Welcome to David Carfray Financial Services

We are a firm of Independent Financial Advisers based in Ayrshire offering a bespoke and independent financial planning service to clients nationally. Our aim is to develop long term relationships with clients at all stages of their lives to help ensure they achieve their financial goals.

About us

We are David Carfray Financial Services, a specialist financial services firm based in Ayrshire. Established in 2023, our advisers have years of knowledge and experience across the full spectrum of financial planning matters.

We pride ourselves on our knowledge and personalised advice, tailored to our clients’ unique needs and circumstances. We understand that every client’s journey is different; that’s why we take the time to get to know you and understand your goals and aspirations, enabling us to develop a plan that moves and flexes as your circumstances change.

Our services

Investing for your future

We’re here to help your money work smarter. Whether you’re just starting out or have years of experience as an investor, our...

Finding a mortgage to fit you

We’ll be by your side through the entire process — from your application to the final completion. Buying a home is probably...

Inheritance planning

Passing wealth from one generation to the next, in a tax-smart way. If you want to leave your money and valuables to...

Protecting what matters most

While we can’t foresee the future, we can certainly plan for it. If illness or anything untoward were to happen, you need...

Time to access your pension

Your pension will likely be your main income in retirement, so it’s important to plan carefully. From age 55 (rising to 57...

Care in later life

With an ageing population and rising care costs, planning for long-term care in later life is increasingly important. It’s an emotional time...

Latest news

Get up to speed with the latest financial insights, uploaded regularly to our website.

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