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About Andrew Gardiner
Originally from Northern Ireland, Andrew moved to Newcastle to study Economics and Business Management at Newcastle University. Following his graduation, Andrew spent time working as a stockbroker in London before returning to Newcastle in 2005 to join the Lowes Technical Team. Building on this experience, Andrew decided become an Independent Financial Adviser, after realising he was happiest when speaking to clients on a day to day basis to build good, long-term relationships for years to come.
“There is a sense of responsibility, which I feel perhaps most when I’m advising people who need their investments to produce a regular and sustainable income because that is the income they are going to live on, that will influence their standard of living.”
Outside of work, Andrew plays for a local rugby club and enjoys walking holidays with his wife and children.
Business Qualifications
Qualification |
Abbreviation |
Fellow of the Personal Finance Society | FPFS |
Chartered Financial Planners | APFS |
Financial Planning Certificate | FPC |
Pension Planning | AF3 |
Personal Tax and Trust Planning | AF1 |
Personal Tax | JO1 |
Trusts | JO2 |
Pension Funding Options | JO4 |
Pension Income Options | JO5 |
Investment and Risk | CF2 |
Lifetime Mortgages | CF7 |
Long Term Care | CF8 |
Level 3 Certificate in Investments (Securities) | N/A |
Mortgage Advice | CF6 |
Investment Principles, Markets and Environments | JO6 |
Home Reversion Plans | HR1 |
Financial Services, Regulations & Ethics | RO1 |
Financial Planning Process | AF5 |
Advanced Financial Planning Certificate | AFPC |
Pensions Update | RO8 |
Higher Education Qualifications
Qualification |
Abbreviation |
Economics and Business Management | BA (Hons) |
Contact Andrew Gardiner
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0191 281 8811
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