Is your Financial Adviser making a difference in your life?
With over 40 years combined experience we are a friendly family run independent financial adviser based in Glasgow, serving customers throughout Scotland.
We provide financial planning services that are modern, transparent and tailored to meet the needs of the individual or company requiring them.
Not all advisory firms are created equal. Castlebank Financial Planning was established to give everyday people access to what is normally reserved for the ultra-wealthy.
This includes access to whole of market investment choice, competitive fees and unlike many of our competitors no minimum investment sums required to be invested with us.
Our services include:
Our expertise in retirement planning and estate planning helps our clients:
We are flexible in our approach to our customers. We are located in Glasgow but are more than happy to visit our clients anywhere throughout Central Scotland, including Glasgow, East Kilbride, Falkirk, Stirling, Cumbernauld.
It all starts with a conversation, please do get in touch to get your financial questions answered.
MORE CHOICE
Our independence means that the financial and investment advice we provide is drawn from the whole of the market and led by your needs
SIMPLE CHARGES
Fees that are simple and very competitive so that you can generate additional returns over the lifetime of your investments.
EXPERTISE IN ONE PLACE
We provide Financial Planning, Pensions, Investments, Estate Executory, Wills, Powers of Attorney, Family Trusts and Insurance Planning
Here are a few you might recognise
What is Independent Financial Advice vs. Restricted Advice?
At the heart of the financial planning market lies the Independent Financial Adviser.
The easiest way to describe an Independent Adviser is to state that they are unrestricted in how they can advise you and any adviser that is not independent will be restricted to some degree or extent.
The current regulatory environment has provided a distinct line between advisers that are Independent and those that are Restricted. Using the definition and explanation provided by the Regulator (the Financial Conduct Authority – FCA, see www.fca.org.uk):
A restricted adviser or firm can only recommend certain products, product providers, or both.
The adviser or firm has to clearly explain the nature of the restriction. If you are not sure you should ask for further information, but some examples of restricted advice
are where:
All advisers have to make it very clear to you what status they have.
The importance of this distinction is further highlighted by the Citizen’s Advice Bureau (www.adviceguide.org.uk) – their web site supports the value of the Independent Adviser over other options you may have.
I need to make sure I have enough for my retirement ...
You’re not alone! Many of our clients, who are currently retired and those who are approaching retirement, have this concern.
Once you retire, your savings replaces your job as a key source of income. You could live to age 90 or older, and inflation in the cost of living will always be a factor. It takes some planning to make sure you can pay your bills now while also saving enough so that, decades down the road, you’ll have enough money.
With pension advice Glasgow we’ve helped hundreds of clients figure out what they need, and how it should be managed, to have a stable and secure retirement.
We start by helping you realistically envision what your life will look like in retirement. Next, we determine your current and projected retirement cash flow needs. As important, we help you project how different choices and events could impact your retirement plan.
Through independent financial advice we integrate all of this into an investment strategy designed to meet your retirement goals. Throughout the process, we coordinate with the other legal, tax, or insurance professionals you need to make a smooth transition into your retirement years.
How do I know you will add more value to my portfolio than you charge in fees?
Due to regulations we (and anyone else in our industry) can’t promise guaranteed returns. However, what we can say is that we’re really good at what we do. The approach we take and the recommendations we provide are based on evidence and financial best practices, not fads, trends, or our own egos.
We have a strong track record of success managing investments, but what we’re most proud of is how we offer our clients value far beyond their portfolio returns. Many of our clients tell us that the peace of mind they get from knowing that we’re looking out for their financial well-being is priceless.
How do you work with clients on an ongoing basis?
For all our clients we look to build a detailed analysis of your current financial situation, then work with you to create a solid plan for the future. Along the way, we hold the larger financial picture and proactively advise when changes are necessary so you feel secure and have a sense of financial well-being.
In real-world terms, this means that after initially meeting several times to create a plan with you, we meet at least annually (or more frequently, when necessary) to survey your current financial situation, provide updated advice and education, and review your investment strategy.
Throughout the year as your financial advisor, we reach out proactively as needed and ensure that we are available whenever financial advice, analysis, education, or support is needed.
How do I benefit from choosing a local financial adviser?
Choosing a financial adviser Glasgow and pension advice Glasgow service can provide you with a number of benefits including:
David Jack
DipFA, MLIBF, MSWW
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