Financial Advisor in Coldstream

Mary Hemingway

I am an independent financial adviser in Coldstream working with clients throughout the Scottish Borders and also nationally.  I have spent over 10 years building a reputation for trustworthy financial advice in the Scottish Borders and beyond.

I specialise in Pensions, Investments, Protection and Inheritance Tax Planning. I also assist clients in the area of retirement planning, encompassing everything from starting saving for your future early, helping your savings grow tax efficiently, assisting you to exit your workplace/business smoothly and then sustaining your income throughout retirement; and eventually helping you pass your estate to your loved ones.

Of particular pride is the work I undertake to improve the Scottish Borders business community. I am a Director of Scottish Borders Chamber of Commerce, a founding member of Scottish Borders Young Professionals and a Coldstream Community Councillor. I also take the time to teach classes to students in Scottish Borders high schools about personal financial planning as I firmly believe in the importance of instilling healthy financial awareness at a young age.

I was delighted to receive the Unbiased Financial Adviser of the Year award in 2020 then followed this by being awarded The Women In Financial Advice Award- Financial Adviser of the year (Scotland and NI) 2021. I am incredibly grateful to my clients and peers who nominated me and I appreciate the recognition of a job well done through a couple of very challenging years.

If you would like to discuss your personal financial goals and objectives, please get in touch. Your initial meeting is completely free of charge.

Financial Advice Services

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My Financial Advice Process


At your initial meeting (which is free of charge) I will discuss the advice process with you and help you understand how I am able to assist with your financial needs.


I will carry out an extensive assessment of your financial circumstances to understand your situation and present you with an appropriate recommendation.


I will arrange and implement your agreed plan. This will include handling all of the fund and policy administration and ensuring documents are issued in line with your expectations.


As your financial and personal objectives may change over time I believe ongoing support is crucial in ensuring your investment portfolio remains up to date and will give you regular updates and information regarding your investments.

Happy clients

"Mary was very approachable and thorough. She listened to my needs and made excellent proposals for my future investments"


"Mary is excellent in her profession. She shows a caring attitude and has her clients best interests at the top of her list"


"Mary's positive and attentive approach to her work gives us a confident feeling that our needs are being well catered for"


Financial Guidance