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Cate MacLeod

Financial Planning Consultant DipPFS in Glasgow

A little bit about Cate

I enjoy working closely with my clients to understand their individual circumstances and create a successful plan that is bespoke to you, your needs and your objectives. I believe in creating a holistic plan that will support you in all aspects of your financial life. My goal is to bring you peace of mind, and the clarity needed to make strong, informed decisions where your finances are concerned. I am fully qualified with a Diploma in Regulated Financial Planning through the Chartered Insurance Institute.

Find out more about me below.

Start the conversation

Your money won’t reach its goal unless it has a direction. But with a plan, it can work towards something better. I can help.
Contact me today

An adviser’s insight

Money needs a plan. Here’s where to start

Money doesn’t make decisions on its own. Left sitting in cash, it quietly loses value. That’s why money needs a plan. It’s not about being wealthy or knowing all the answers – it’s about giving your money direction. And in the UK, many people miss out simply because they don’t take that first step.

  • Most people in the UK save sporadically or leave money sitting in cash – missing out on growth.
  • Planning gives peace of mind. It turns uncertainty into clarity.
  • The earlier you start, the more powerful the impact – but it’s never too late.
  • Quilter’s purpose is to help build brighter financial futures. That starts with a plan.
  • Investing always carries risk. The value of investments can go up and down and you may get back less than you invested.

Making your money work for you

Why investing matters

  • Lazy money loses value over time – inflation chips away at it.
  • Investing little and often helps your money grow without needing to be an expert.
  • A plan helps you stay focused and avoid reactive decisions.

Inflation and ‘lazy money’

  • Inflation quietly erodes the value of your savings.
  • £10,000 in cash today could be worth significantly less in 10 years.
  • Investing helps protect your money from inflation and grow it over time.
Ready to build your plan? Contact me using the details above.

Services

Holistic planning

Establishing and reviewing trusts, complete personal risk management planning, short- and long-term savings and investments.

Income Protection

Permanent health insurance to provide a regular income should you be unable to work due to illness or injury.

Investments

Wealth management advice to make your money work as hard as it can for you, including making the most of any tax breaks available.

Pensions

Expert advice to help provide comfort in your retirement.

Protection

Whole of life and term assurance protection, private medical arrangements, critical illness insurance.

General Insurance

Home contents insurance, buildings insurance.

Business Services & Protection

Commercial mortgages/remortgages, workplace pension and employee benefits. Commercial mortgages are by referral only.

Qualifications

Diploma in Regulated Financial Planning

  • The Level 4 Diploma in Regulated Financial Planning from the Chartered Insurance Institute develops core technical and initial financial planning understanding.

Location

Cate's location

Greater Glasgow Area and West of Scotland
United Kingdom

Cate is based in Glasgow and offers expert financial advice covering the Greater Glasgow Area and West of Scotland.

More about me

As a holistic Financial Planning Consultant, I am passionate about helping Individuals, families, and business owners create strong financial plans that are client and goal oriented, and easy to understand. This could include saving for retirement, navigating investments and the tax implications of these, and protecting you, your family, or your business against the unexpected. I will be there every step of the way to help you navigate these important decisions with confidence.

Outside of Financial Planning, I enjoy reconnecting with my creative side; mainly through painting. I also enjoy reading, travelling with my partner, family and friends, and experiencing good food. I currently live in the Greater Glasgow Area, but you’ll regularly find me visiting my homeland of the Outer Hebrides, as well as the beautiful countryside of mainland Scotland. I’m always happy to see more of this beautiful country and will travel throughout most of Scotland and the North to visit clients.

The Financial Conduct Authority does not regulate some employee benefits, tax planning, inheritance tax planning, estate planning, succession planning, trusts or some buy-to-let mortgages.

The guidance and/or information contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.

Registered Office: Quilter Financial Advisers, Senator House, 85 Queen Victoria Street, London, EC4V 4AB. Tel: 0207 562 5856. Registered in England and Wales. Registered number: 05693185. Lighthouse Financial Advice Limited, Senator House, 85 Queen Victoria Street, London, EC4V 4AB. Tel: 0207 562 5856. Registered in England and Wales. Registered number: 04795080.

Quilter Financial Planning Network only: This financial promotion was approved by Quilter Wealth Ltd, Quilter Financial Services Ltd, Quilter Mortgage Planning Ltd, Quilter Financial Ltd, Quilter Financial Planning Solutions Ltd & Lighthouse Advisory Services Limited on 13 August 2025.