About Us
A team of fully qualified financial advisers based in North Ayrshire

FSS Wealth & Pensions Ltd was established in 2019 by Stevenston man James Fisher, a fully qualified Financial Adviser with 22 years of experience in the industry and has a number of Financial Advisers and a Chartered Financial Planner based across Scotland. After a long and successful career following redundancy from a well-known Insurance firm, James created Financial Services Scotland Ltd, offering a range of Financial Planning services.
Financial Services Scotland Ltd
has since grown exponentially and following significant success in the mortgage market James felt it was time to allow this to flourish as a Mortgage and Protection business.

FSS Wealth & Pensions Ltd
, though newly set up, is the culmination of many years of hard work and dedication to Investment and Pension advice, and will now exist solely to do just that. James and his team of long-standing and experienced advisers will now focus solely on Investments and Pensions and continue to provide exemplary service to our existing clients.

With over 150 years of collective experience in financial services, and acting solely in the best interest of our client at all times, we offer our bespoke face-to-face advisory service either in the comfort of your home or in our main office in Stevenston.

Your experience is paramount, and our advisers pride themselves in building lasting, professional relationships. We aim to ensure our you always view your wealth managers and mortgage brokers as your trusted advisers.

What We Offer

At FSS Wealth & Pensions Ltd we provide advice on products and services from a large range of product providers. These providers are chosen after carrying out due diligence to ascertain financial strength, customer satisfaction guarantees and the excellent products and services that they offer.

We offer advice on


  • Personal and Stakeholder Pensions
  • Workplace Pensions
  • Annuities
  • Income Drawdown
  • Guaranteed Pensions


  • ISAs
  • Collective Investments / Unit Trusts
  • Investment Bonds
  • Offshore Investments

What We Do

At FSS Wealth & Pensions Ltd, we guarantee to provide you with a high quality service and we will ensure that you receive a wide range of advice services tailored specifically to meet your needs.

We recognise that every customer’s circumstances and objectives are different. Therefore, the more we get to know you, the more we can tailor our recommendations to you to help you meet your goals. We continually survey the marketplace to find solutions that are just right for you.

Our Commitment

We will ensure:

  • You receive professional, bespoke advice suitable for your needs from an Independent Financial Adviser or Chartered Financial Planner
  • You are treated fairly and impartially
  • All information given to us will be treated sensitively and confidentially
  • All costs are explained and agreed, and the process is fully transparent
  • Information given to you is explained clearly and without jargon
  • We provide the highest commitment to regulatory and professional standards

Some of the products/services shown above are not regulated or may not be regulated by the Financial Conduct Authority.