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John Kirkwood

Financial Planning Consultant DipPFS in Edinburgh

A little bit about John

Having had a previous career as an Army officer, I know the value and importance of planning ahead. Whether you're thinking about retirement, helping your children onto the property ladder, protecting your family's future, or passing on your business or estate, I can help set the right conditions for maximum benefit to you. I work with individuals, families, and business owners to turn long-term aspirations into achievable goals through financial planning that looks at the whole picture. Every client’s situation is different, so taking the time to listen and understand what matters most to you is intrinsic and means that plans I create can evolve as your needs change.

Find out more about me below.

Start the conversation

Whether you want to think about a gifting plan to help your family, or want to ask me about something else, I’m happy to help.
Contact me today

An adviser’s insight

Gifts that give back

Graphic of people exchanging gifts

December is often seen as the gifting season. But alongside the usual socks and chocolate gold coins, it might be worth planning a slightly bigger, longer-term present for your loved ones this year.

Inheritance tax (IHT) is notoriously complicated and can hit people with a big bill if it isn’t managed properly. It isn’t reserved for the very wealthy either. Dealing with IHT is a reality that many more families face after a loved one has passed - in what is usually an extremely vulnerable moment.

This is where using your gifting allowances can make a real impact on those around you. It’s a great way to share your wealth with the people you love while limiting their exposure to IHT. It does take a little bit of extra planning though.

Sitting down with an adviser like me can help you figure out where you want your money to go, and when. For instance, it might be more helpful to gift a family member a contribution towards their first home now, rather than leaving them a legacy.

Whatever you decide is best, we’ll find the most tax efficient way to do it.

Get in touch to find out more.

*Estate Planning and Inheritance Tax Planning are not regulated by the Financial Conduct Authority.

Autumn Budget

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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.

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.

General Insurance

Home contents insurance, buildings insurance.

Income Protection

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

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.

Location

John's location

Edinburgh
Scotland
United Kingdom

Based in Edinburgh, I regularly travel across Scotland and northern England - including Aberdeen, the Borders, and Newcastle - to meet clients in person.

More about me

  Areas I can support you with include:

  • Growing and protecting your wealth
  • Estate and inheritance tax planning*
  • Retirement planning
  • Business and succession planning
  • Financial protection for life's unexpected turns

No question is too small, and no goal is too ambitious, so I'm always happy to talk things through if you're not sure.

Outside of work, my main interests revolve around aeroplanes and cricket. When I’m not with clients, you’ll likely find me near one or the other. If you’re looking for someone who can bring structure to your financial circumstances, and help make things easy to understand in an empathetic way, I’d be glad to chat.

*Succession planning, Estate and inheritance tax planning is not regulated by the Financial Conduct Authority.




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.