An income that lasts through retirement
- Creating a sustainable income pattern
- Cash flow modelling to show how your future income might look
- Making use of all tax reliefs to make your income as tax efficient as possible
336 Financial Management, Edinburgh
Chartered Financial Planning & Bespoke Wealth Management
Specialist pension transfer analysis, tax-efficient retirement drawdown, and inter-generational estate planning backed by over 246 years of combined advisory expertise in Edinburgh’s New Town.
- 5.0 ★ · 1 Google review
- Chartered Financial Planners
- Over 246 Years Combined Team Experience
Results & experience
Proven Advisory Impact
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246+ years
Collective experience across our team in financial services
Meet the team -
£9m+
SIPP structured for tax-efficient income and legacy for Douglas and Sheila
Read case study 3 -
£800k+
Income drawn by John since 2000, with a fund value of £990,000 in July 2018
Read case study 1 -
0%
Inheritance tax on Colin’s £2m+ SIPP, left to his children and grandchildren
Read case study 2
Figures come from individual client case studies and are not a personal recommendation. Rates of tax and the legislation that governs them are subject to change, and this information was only accurate at the time of writing. You may not get back the full amount of your investment.
Our typical client
Who We Advise
We are a bespoke financial management advisory service based in Edinburgh, the heart of Scotland’s financial services industry. Client service is a vital part of what we do and who we are.
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You…
Have built substantial assets
You have accumulated substantial pension or non-pension assets and want to make sure these are invested in the best way possible, perhaps to provide a tax efficient and sustainable income, or to provide your family with a legacy.
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You…
Have left a final salary scheme
You have already taken a transfer value from your employer’s final salary scheme but do not have a level of ongoing service that is good enough. Or you are not sure that your current investments are sufficiently robust to withstand a correction in world stock markets.
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You…
Want a firm of the right size
You are looking to deal with a firm small enough to provide personal service and innovative ideas, but professional enough to use top quality partners where needed and cutting-edge technology where possible.
What you can expect
Chartered Wealth Services
Our aim is a personalised tax and financial plan built on the information you provide, your aims and objectives, and the level of investment risk you are willing or able to take.
Wealth that reaches your family
- Planning for inheritance tax
- Family wealth transfer
- Using your pension as a route to a lasting legacy
Less tax across the household
- Inter spouse tax planning
- Maximising annual tax allowances such as capital gains tax
- Using all the tax efficient product wrappers available to you
Portfolios built on independent research
- Centrally managed portfolios tailored to your needs and circumstances
- Fund research from Square Mile Investment Consulting & Research
- Technology that shows when intervention may be needed
How we do it
Our Three-Step Methodology
There is no second chance with your financial plan: getting one aspect wrong has the potential to destroy your plans for the future. So we work to a clear rhythm, then keep working to it.
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Review
We get to know you and create a full picture of your financial circumstances, then plan for you and your dependants. An ongoing review service keeps the plan meeting your changing needs and objectives.
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Reflect
We analyse your pensions and investment assets and pull them together to maximise your position under current and future tax and pensions legislation, with fund research from Square Mile.
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Relax
Your financial plan is in expert hands. We are always thinking about you and your future, and you can get on with living life, with online access to your portfolio where possible.
Case studies
Documented Client Results
Three real planning problems, with the figures that mattered.
John: a final salary transfer drawn on for life
John took a transfer from his employer’s final salary scheme in 2000 and wanted an attractive, sustainable income for himself and his wife.
- Transfer value
- £1.2m
- Total income since
- £800,000+
- Fund value, July 2018
- £990,000
Colin: a legacy for three generations
After a terminal diagnosis, Colin needed to care for his wife Anne and leave money to 3 children and 8 grandchildren. The SIPP provided the answer.
- SIPP value
- £2m+
- Inheritance tax
- £0
- Capital gains tax
- £0
Douglas and Sheila: income without the 60% trap
With a SIPP worth over £9 million, Douglas wanted income without paying the 60% effective rate that applied between £100,000 and £122,000.
- SIPP value
- £9m+
- Maximum SIPP withdrawal
- £100,000
- Effective tax rate
- 29.7%
Our people
Institutional Rigour & Leadership
Eight advisers, paraplanners and administrators in Edinburgh, supporting you with everything from financial advice to technical support and the administration of your plan.
Elaine Walker
Director
Over 30 years in financial services, always watching for the legislative changes that could affect retirement and personal taxation.
Douglas Young
Director
Over 40 years in the financial sector, with a pragmatic approach and clients including some of the most influential people in the finance industry.
- Chartered Financial PlannersBespoke financial management from our office in Edinburgh’s New Town.
- Authorised and regulatedA trading name of Fairstone Financial Management Limited, authorised and regulated by the Financial Conduct Authority (FRN 475973).
- Members of the Chartered Insurance InstituteWe adhere to the highest professional and ethical standards. Read our Code of Ethics.
- Square Mile Investment Consulting & ResearchOne of the strongest and most respected investment research teams in the UK, focused on in-depth, qualitative fund research.
- HopScotch Children’s CharityWe are delighted to be supporting this Scottish charity, which provides free respite breaks for children living in Scotland. www.hopscotch-charity.org*
In their words
What Our Clients Say
My experience has been that when I was made redundant, they supported me, it could have been a minefield, but I trusted them more than I trusted myself. I felt they were actually playing for you. I have never felt that they have an agenda, which is definitely not the case with some other IFAs.
★★★★★
Excellent customer care, very good communications
I was impressed with their down to earth approach, their knowledge of pensions and understanding of complex taxation legislation.
I trust them because they do what they say they will and deliver exactly what I need.
Before you call
Frequently Asked Questions
What does it mean to work with Chartered Financial Planners?
336 Financial Management practises as Chartered Financial Planners. As members of the Chartered Insurance Institute we adhere to high professional and ethical standards, set out in our Code of Ethics, and we commit to continued learning. Several of our team are working towards individual Chartered Status.
How transparent are your charges?
We guarantee transparency in all our dealings with you. We offer a range of services to meet different needs, so we begin by discussing which service best suits you. One client, Kenny Pollock, describes our charges as reasonable and us as clear and up front.
Can you advise me on a final salary pension transfer?
Yes. Our directors have specialist pensions knowledge, and our advisers Sam Greig and John Carse are authorised to give pension transfer advice. Whether a transfer suits you depends on your circumstances. We also help people who have already transferred but lack good ongoing service.
Who regulates 336 Financial Management?
336 Financial Management is a trading name of Fairstone Financial Management Limited, which is authorised and regulated by the Financial Conduct Authority (FRN 475973). If a complaint cannot be resolved between us, the Financial Ombudsman Service is available to help.
Is your advice a one-off or an ongoing service?
Ongoing. We believe financial advice should not be a single transaction but a relationship. All our advice models come with built-in ongoing advice, including a regular review, management of your portfolio and proactive advice on tax matters that might affect your investment.
Can I see my portfolio online?
Where possible, you will have online access to view and interact with your portfolio through our secure Client Login. Our technology also helps us identify when intervention may be needed, though it always sits underneath the human touch of your adviser.
Begin Your Financial Partnership
Arrange a confidential initial consultation at our Thistle Street office. We take time to understand your current financial position and what you aim to achieve.