No independent financial adviser listed in Moffat yet.

An independent financial adviser (IFA) provides impartial advice on pensions, investments, mortgages, savings and insurance - working for you, not for a bank or product provider.

The 'independent' part matters. Unlike tied advisers who can only recommend products from one company, an IFA can search the whole market to find the best fit for your circumstances - and they are legally required to act in your best interest.

Check that your adviser is registered with the Financial Conduct Authority (FCA) and ask how they charge - some work on a fee basis, others take commission from the products they recommend. Either way, they should be upfront about costs before any work begins.

Moffat is a handsome spa town in upper Annandale, sitting in a bowl of hills at the head of the valley where the Moffat Water meets the River Annan.

The town was a popular health resort in the 18th and 19th centuries and its wide main street, the Colvin Fountain with its famous ram statue and the Star Hotel - reputedly the narrowest hotel in Britain - give it an instantly recognisable character.

Moffat is a gateway to some of southern Scotland's most dramatic landscapes: the Grey Mare's Tail waterfall, the Devil's Beef Tub and the hills of the Moffat Dale are all within a short drive.

The town has excellent independent shops, several good hotels and restaurants and sits just off the A74(M), making it an easy stop between Edinburgh and Carlisle.

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Dumfries and Galloway is the most south-westerly council area in Scotland, stretching from the English border at Gretna to the Mull of Galloway - the southernmost point in Scotland - and from the Solway Firth coast inland to the hills of the Southern Uplands.

Dumfries is the largest town and administrative centre, a handsome red sandstone burgh on the River Nith where Robert Burns spent the last years of his life and is buried in St Michael's Kirkyard.

The region divides naturally into three historic areas: Dumfriesshire to the east, Kirkcudbrightshire (the Stewartry) in the centre and Wigtownshire to the west - each with its own character, landscape and loyalties.

The Galloway coast and countryside have a mild climate influenced by the Gulf Stream, fertile farmland, dark-sky reserves and a string of small harbour towns that attract artists, writers and visitors drawn to the quiet and the landscape.

Despite its size, the region is one of the most sparsely populated in Scotland - a place where community is strong, the pace is slower and the landscape ranges from river valleys and rolling farmland to wild moorland and rocky coastline.