John Kirkwood
Financial Planning Consultant DipPFS in Edinburgh
A little bit about John
Without a plan for the future, things can slip away and it’s easy to miss out on what you really want. Things like having a comfortable retirement, helping your children get on the property ladder or passing down a business or asset, among numerous others are all significant milestones and can come with pitfalls that require careful planning to ensure maximum benefit to you and your family. That’s where I come in, with the aim of helping people maximise the chances of achieving their long-term goals through holistic advice and planning.
Start the conversation
Speak to me if you want to access potentially better interest rates for your cash savings and enjoy an extra financial boost.
Contact me today
An adviser’s insight
Aim to maximise your cash savings
It might shock you to know that 28% of people hold their cash in interest-free savings accounts(1), receiving no return on their hard-earned money. Because under current rules a basic rate taxpayer can earn up to £1,000 in interest from their savings without paying tax, these people could be missing out on a significant financial boost that they could be enjoying.
This is even more relevant when you consider that the average person typically holds up to 25% of their available money on cash deposit(2). So, by reviewing your cash and tackling any ‘lazy money’, you’ll be making a great start at getting your finances in shape and achieving longer-term financial security.
If your money isn’t working as hard as it could, I can help. By making it easy to access potentially better interest rates, I can help you to aim to maximise your cash savings – giving you more money to spend on the things you enjoy or helping you grow your money towards a longer-term goal.
1 Building Societies Association Sept 2024
2 The Lang Cat: Cash as an asset class survey June 2024
Cash on deposit advice is not regulated by the Financial Conduct Authority.
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.
Dental & Medical
Financial planning for dental and medical professionals, in-depth knowledge of NHS pensions and needs of hospital doctors, GPs, dentists and locums.
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
John is located in Edinburgh and offers expert financial advice to suit your needs.
More about me
I am based in Edinburgh and travel regularly as far as Aberdeen, the Borders and Newcastle to visit my clients. I can provide support on a very wide spread of personal financial matters such as:
- Growing your wealth
- Estate and inheritance tax planning
- Retirement planning
- Protection for worst case scenarios
- Business planning
These are just a handful of examples and I am very happy to have a chat about anything you’re not sure on.
Outside work, I am particularly fond of aeroplanes, horses and cricket, so I’m probably fairly easy to find on my days off if you look for where any of those may be.
*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.