Wealth Management Services Edinburgh

Wealth management is not one product. It is a framework that joins up pensions, investments, ISAs, tax planning and estate planning into a single picture for the household. The right next step on any given question depends on what you already hold, what you are trying to achieve over the next 5 to 20 years, where the fees sit, and whether the decision in front of you crosses into regulated-advice territory. Most Edinburgh households come to us asking about one area (a pension, an ISA, an inheritance) and find that the answer touches two or three of the seven.

Across Edinburgh and the wider City of Edinburgh market we cover seven service areas. Pensions: workplace, personal and SIPPs, with the consolidation question front and centre. Investments: platforms, fund choice, total fees, and the trade-off between active and passive. Retirement planning: drawdown, annuities, sustainable withdrawal rates and the state pension. Tax planning: ISA, pension, CGT and dividend allowance use across the tax year. Inheritance tax planning: nil-rate bands, the seven-year gifting rule, and an introductory framework on trusts. ISAs and savings: Cash, Stocks & Shares, Lifetime and Junior ISAs, plus the role of cash savings. Business protection: relevant life cover, key person, shareholder protection and executive income protection for limited company directors.

The seven service pages below set out each area in plain UK English. Each carries a short blurb, the key features that matter in practice, who the area is most useful for, and three commonly-asked questions. Use the pages as an orientation tool. Where a question goes beyond information (a specific pension transfer recommendation, a defined-benefit transfer, a specific investment recommendation, IHT structuring on a real estate), we refer households to FCA-authorised advisers. We do not give regulated advice ourselves.

Information on this site is general in nature and does not constitute regulated financial advice. Always check any firm and adviser on the FCA Financial Services Register at register.fca.org.uk before instructing them. Seek advice from an FCA-authorised adviser for decisions affecting your circumstances.