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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

There are lots of ways I can help you prepare and plan your finances over the long term, such as cashflow modelling or a range of other useful tools.
Contact me today

An adviser’s insight

Graphic of people studying charts

What is cashflow modelling?

It’s the unknown that makes planning for the future difficult. Your life is full of lots of choices that can impact your financial situation. So how can you look all the way ahead to your later life with any kind of certainty?

This is where cashflow modelling comes in. Essentially, it’s a tool used by advisers like me to get an idea of how your financial future could look. I put in lots of data about you and your financial circumstances, and that lets me predict what could happen, and compare different scenarios against each other.

It means we can do things like: see whether you can afford to gift your grandchildren money towards their education, gauge whether your finances will last you into retirement, or understand whether you need to make some changes to achieve your goals.

Let me know if you think cashflow modelling could help you.

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.