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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

Speak to me about making your money go further, and protecting the things that matter most to you.
Contact me today

An adviser’s insight

Graphic of people learning about protection

Can the right protection help you become more financially resilient?

Have you heard of the ‘protection gap’? You probably know someone who’s fallen into it.

Most of us know to get travel or pet insurance, or even just insure our mobile phone. But when it comes to really big life events, cover can easily get overlooked – causing a gap.

Far too many people aren’t properly protected against life-changing events, like losing their job or not being able to work because they’ve fallen ill. Which means that when these things do happen, they can have a much bigger impact than they need to.

Luckily, cover like income protection and critical illness can help people become more financially resilient. So, if you do have a financial shock, it doesn’t have to turn everything upside down. And it can be surprisingly simple and affordable.

If you’ve had a big milestone recently, or a change in your circumstances, it might be the right time to relook at your protection needs.

Reach out to me and I’ll be happy to help.

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 Financial Services Ltd & Quilter Financial Ltd on 01 August 2022.