Andrew Gardiner

Chartered Financial Planner

Andrew works closely with his clients to provide tailored financial advice, helping them make informed decisions that align with their long term goals. He specialises in investment and retirement planning, with a particular focus on ensuring clients have a sustainable income in later life. He understands the responsibility that comes with managing wealth, especially for those who rely on their investments to maintain their standard of living. His approach is built on trust, expertise, and a commitment to developing lasting relationships. 

Originally from Northern Ireland, Andrew moved to Newcastle to study Economics and Business Management at Newcastle University. He began his career as a stockbroker in London before returning to Newcastle in 2005 to join the financial planning firm Lowes. His deep knowledge of financial markets and investment strategies provided a strong foundation, but he found the greatest fulfilment in working directly with clients. This led him to become an independent financial adviser before being part of a successful merger with Saltus in 2025, combining his technical expertise with a personal approach to financial planning. 

Andrew is a Chartered Financial Planner and a Fellow of the Personal Finance Society.

Andrew believes good financial advice is about more than numbers, it’s about understanding people and giving them confidence in their financial future.