Donald Johnston
Financial Planning Consultant DipPFS,Certs CII (MP & ER) in Aberdeen
A little bit about Donald
I am a Diploma Qualified financial adviser with 30 years’ experience offering face to face advice to individuals and small businesses.
I focus on understanding each person’s unique family and financial situation to offer tailored solutions that suit your specific needs while managing those solutions with you thereafter.
I will take time to get to know you so I can provide financial solutions that a right for you.
Start the conversation
Get in touch if you’d like to discuss the long-term benefits of including investing in your financial plans.
Contact me today
An adviser’s insight
When is the right time to invest?
There’s always a degree of uncertainty when it comes to investing, so it’s natural for some people to feel nervous about it.
When the news is reporting stock market volatility, it’s understandable that some people might feel more cautious about investing. But including investments in your long-term financial plan is a smart way to give your money the best chance to grow.
Keeping money in cash might feel like a safe option, and having some money easily available is a sensible decision. But too much cash could end up costing you more because of inflation’s ability to eat away at the value of your savings. For example, when £10,000 is invested it can grow by 78% over 30 years, but if it was kept in a current account its value could actually reduce by 59%*.
There are lots of options when it comes to investing, and I’m here to guide you through them. I can help you decide things like which risk level is right for you, what types of investments to use to maximise your tax efficiency, and how to create an investment plan tailored to your circumstances and goals. I can also show you how different investment approaches could impact your finances over the long term.
If you’re thinking about how investing today can help create the life you want in the future, let’s talk about how I can support and guide you through the process.
The value of investments and the income they produce can fall as well as rise. You may get back less than you invested.
Tax treatment varies according to individual circumstances and is subject to change
*Based on an annual average investment return of 5% and inflation at 3%.
Services
Business Services & Protection
Commercial mortgages/remortgages, workplace pension and employee benefits. Commercial mortgages are by referral only.
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.
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.
Certificate in Mortgage Advice
- The Certificate in Mortgage Advice (Level 3) meets the FCA standards for mortgage advisers. It develops an understanding of the sector and the mortgage process, and enables advisers to meet individual client needs.
Certificate in Mortgage Advice and Equity Release
- The Level 3 Certificate in Mortgage Advice and Equity Release meets the FCA standards for mortgage advisers and those advising on equity release schemes.
Certificate in Equity Release
- The Certificate in Equity Release is a specialised and highly regarded qualification within the financial services industry. Designed to equip professionals with the knowledge and skills needed to provide expert guidance on equity release products, this certification programme plays a pivotal role in ensuring that individuals can make informed decisions about releasing equity from their homes.
Testimonials
Ms Liz H.
Donald has been my financial advisor for 3 years now. As well as regular reviews he has always been available for any ad hoc concerns and requests that I have raised with him. He communicates in a timely way, by email and with voice or video calls as appropriate.
Donald successfully managed my expectations through a period of considerable market volatility.
I'm happy to have someone I can trust to manage my investments.
Mr G Polson.
When I retired 6 years ago it gave me sleepless nights knowing what to do with my pension pots, after doing some research I chose to go with Donald Johnston and have never looked back.
His expert financial advice got me a perfect plan to suit me & my wife, we take a monthly top up income, then invest the rest at an investment risk we are happy with.
We have been very happy with yearly results, could not have done any of that by myself so THANK YOU so much Donald.
Mr and Mrs Morton
Donald Johnston has been our financial adviser since retirement. He has worked with us to plan our current and long term needs in terms of financial goal setting, and to create an appropriate portfolio.
He regularly reviews the resilience of our Quilter investments and undertakes an annual financial review meeting and detailed report.
He has a calm, considerate manner and clearly explains financial issues and market forces to us with knowledge and clarity!
Location
Donald's location
Aberdeen
AB10
United Kingdom
Donald is located in Aberdeen and offers expert financial advice to suit your needs.
More about me
I am based just north of Aberdeen and I am happy to travel to meet face to face to provide a free initial consultation at a time and place mutually convenient to discuss your financial objectives.
I am fully qualified to provide holistic advice in a range of areas including Retirement Planning, Investments, Protection, and Inheritance Tax Planning.
The process starts with an initial no obligation conversation, either by phone or video call to gauge if he can help. Contact on 01358 511902.
Away from work I enjoy competitive and social golf with friends. I also enjoy reading and spending time with family.
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.