The way to your Financial Future

Where do financial dreams come from? Deep inside us. Your financial future is there to be had and we aim to help you make your financial dreams come true together. We enjoy what we do. We love our work. Every client, every financial plan receives the same attention to detail. We combine our expertise and our passion with your inspiration to help create a financial plan that is unique  – and by doing so we aim to help bring your financial dreams to life.

If you are looking for an adviser who will take time to listen to and understand your financial goals and expectations. Who has a solid track record in business and a large number of clients who trust and value the advice and service offered, then you should come and speak to us.

Johnston Financial is a firm of Chartered Financial Planners. We were established in 1987 and are now one of Scotland and the UK’s leading financial services businesses and currently advise on over £420million of clients’ assets. When you ask us to advise you, our focus will be to give you a responsive, quality service. Going the extra mile for you is central to our culture.

Book a “no obligation” meeting with a Johnston Financial adviser.

 0131 556 4540    Get in contact

JF Team Spirit

The world of finance can often appear mysterious and difficult to understand. Here at Johnston Financial we believe in an all for one, one for all approach. By bringing a team spirit to the world of finance and at the same time making it easy for others to follow, we are putting our philosophy into action. With a team that has a range of the best financial qualifications, we are all Chartered or Certified Financial Planners. We also have a wealth of experience going back a long way,  over 40 years of financial planning experience between us and funds under management exceeding £420 million. We are committed to working together with you to help you create your financial plan and bring it to life.

Here are the team…


John McArdle

CFP Chartered MSCI, DipPFS

John is the Managing Director of Johnston Financial and has over 20 years of financial services experience.  He joined in June 1997 and has the principal lead in overseeing the quality of service to our clients.

John is a member of both the Chartered Institute For Securities & Investment and the Chartered Insurance Institute.  He is qualified in all areas of our business, particularly investments, pensions and inheritance tax planning.  He is highly regarded as a comprehensive financial planner and has specialist experience particularly in trust investments.  John is a member of the firm’s investment committee.  He has a Chartered Insurance Institute advanced pensions qualification and is a pension transfer specialist.




Adrian Johnston

ACII, APFS, Chartered Financial
Planner, Certified Financial Planner

Adrian is the Chairman of the firm.  He established Johnston Financial in 1987. Adrian is experienced in the whole spectrum of financial planning and specialises in Pensions, Investment and Inheritance Tax Planning.. As well as being in the first group ever to be awarded the Chartered Financial Planner qualification, Adrian also has a Chartered Insurance Institute advanced pensions qualification and is a pension transfer specialist.  Adrian also holds the Institute of Financial Planning’s, Certified Financial Planner qualification.



Suzanne Gray

FPFS, Chartered Financial Planner

Suzanne is a Director of Johnston Financial.   Since joining the firm in 2008, Suzanne has  become a Fellow of the Personal Finance Society and a Chartered Financial Planner, the highest qualifications in our profession. She also has a Chartered Insurance Institute advanced pensions qualification and is a pension transfer specialist.

Suzanne has developed a knowledge of and gained a wide experience in all aspects of the Financial Planner role. She is highly qualified and experienced in all of the core areas of our business; Financial Planning, Investment, Pensions and Inheritance Tax Planning.   Suzanne provides financial planning services to clients throughout Scotland.



Graham Spencer


Graham is our highly regarded Employee Benefits specialist. He joined us in October 2010 when we purchased the financial services business of the general insurance brokers, Bruce Stevenson.

Graham is part of an elite band of employee benefits specialists whose whole career has been focussed on all aspects of pension schemes, their peculiarities and legislation. With an encyclopaedic knowledge of his field, he has an enviable ability to simplify what many find to be a complicated subject and to present to all levels from the Boards of large companies to the members of the most straight forward personal pension scheme.

  His expertise and service ethic are available to new and existing clients of Johnston Financial.