About us

Virtue Money is a family run Independent Financial Adviser firm based in Linlithgow. We help you to manage your financial goals, and really specialise in helping you with pensions or investments.

Our ethos

Family is at the heart of Virtue Money. We are focussed on being approachable, reliable and most importantly personal to all of our individual clients.

Meet the team

David Ness (Dip PFS) - Managing Director

David Ness (Dip PFS)
Managing Director

Alan Howarth (Dip PFS) - Independent Financial Adviser

Alan Howarth (Dip PFS)
Independent Financial Adviser

Grant Sneddon (Dip PFS) - Independent Financial Adviser

Grant Sneddon (Dip PFS)
Independent Financial Adviser

Susan Ralston - Paraplanner

Susan Ralston
Paraplanner

Frequently asked questions

  • What products do you provide advice on?
    We advise our clients on a wide range of  pensions, investments and protection policies. That means we are ‘whole of market’, independent and up to date on a wide range of products.
  • Is there a minimum investment?
    There is no minimum investment. With Virtue Money you decide how much you wish to invest and then our dedicated adviser will look into the best option for you.
  • How much will it cost?
    Our initial meeting with you will always be free of charge. We will discuss any fees with you at this point depending on the level of service required.
  • How often will I hear from you?
    We are committed to giving you a personal service that suits you. We will agree with you how often you require an update on your financial position and, in addition to this. We will only send information that is completely relevant to you. If you require anything else then you can give us a call. We are always happy to help!
  • Will you liaise with my accountant?
    With your written permission we are happy to deal with any related parties including tax advisers, accountants or even family members.
  • Will you meet with me outside business hours?
    Virtue Money are happy to meet with you whenever suits best.

Charity work

Over the past 6 months, Virtue Money have been helping a charity called 'Smalls for All'

In addition to donating over 1000 pairs of pants, Virtue Money decided to sponsor delivery of underwear collections (those over 6kg) from anywhere in the United Kingdom to the Smalls for All Sorting Hub.

Smalls for All is a UK registered charity and was founded in 2010 by Maria Macnamara who lives in Livingston, Scotland. Smalls for All collects and distributes underwear to women and children living across Africa.

The organisation helps those living in orphanages, slums, refugee camps and schools, as well as providing underwear to hospitals to help those suffering from medical conditions like obstetric fistula.

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Contact us

If you have any further questions or would like to speak to one of our Financial Advisers, please use our online form and we’ll get back to you as soon as possible.

If you wish to register a complaint, please write to or telephone Diane Kennedy, telephone number 0345 034 3424.


A summary of our internal complaints handling procedures for the resaonable and prompt handling of complaints is avaliable on request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at www.financial-ombudsman.org.uk or by contacting them on 0800 023 45 67.

Any personal information that you volunteer will be treated as confidential by us and held in accordance with the Data Protection Act 1998. You agree that such personal information may be used to provide you with details of services and products in writing, by email or telephone.


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