Financial Planning Consultant DipPFS,Certs CII (MP & ER) in Aberdeen
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.
In the UK, there’s an estimated £26.6bn1 in lost or forgotten pensions. That means the average UK worker is missing as much as £28k2 from their retirement money. But there’s good news - this kind of financial hit is completely avoidable.
This one might seem obvious, but it’s easy to lose track of your pension pots, where they are, and what they’re doing. If you make a note of your pension providers, and check your pot(s) regularly, you’re far less likely to lose one of them over time.
Your investment allocation is where and how you’re investing your pension. Often, people will just use their pension provider’s default setting. But this might not actually be right for your retirement goals and risk profile. So, it’s a good idea to revisit this every few years.
If you’ve had a windfall recently, like a pay rise, bonus, or inheritance, putting a portion of it into your pension is a good idea. Not only is it tax-efficient, but you’ll be glad when your retirement comes around.
As an adviser, my role is to help you get all of this done simply, with all the facts and information you need. That might be helping you review your risk profile, consolidating old pension pots, or making a plan to help you retire early.
If that sounds good to you, please get in touch.
The value of pensions and the income they produce can fall as well as rise. You may get back less than you invested. Tax Planning is not regulated by the Financial Conduct Authority. Tax treatment varies according to individual circumstances and is subject to change.
2 Source: https://www.hrmagazine.co.uk/content/news/average-uk-worker-has-28-000-in-unclaimed-pensions
Commercial mortgages/remortgages, workplace pension and employee benefits. Commercial mortgages are by referral only.
Establishing and reviewing trusts, complete personal risk management planning, short- and long-term savings and investments.
Permanent health insurance to provide a regular income should you be unable to work due to illness or injury.
Wealth management advice to make your money work as hard as it can for you, including making the most of any tax breaks available.
Expert advice to help provide comfort in your retirement.
Whole of life and term assurance protection, private medical arrangements, critical illness insurance.
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.
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.
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!
Aberdeen
AB10
United Kingdom
Donald is located in Aberdeen and offers expert financial advice to suit your needs.
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.
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 01 August 2022.
