Sebastian McCallum
Financial Planning Consultant DipPFS in Edinburgh
A little bit about Sebastian
With extensive experience in personal tax, financial planning and one-on-one client interactions, I am dedicated to providing bespoke financial advice tailored to each individual's unique needs and circumstances. Holding a degree in Accountancy and Economics, I understand the importance of crafting robust financial plans that offer peace of mind and support clients in achieving their financial goals. I offer holistic financial planning services, not only addressing your individual needs but also extending support to your family members. My goal is to ensure that every aspect of your financial life is well-managed and aligned with your long-term goals.
Start the conversation
Whether you want help getting your pension in a good place, or to ask me about another financial need you might have, I’m here to help.
Contact me today
An adviser’s insight
How can you boost your pension pot?
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.
Here are three simple ways to make sure your pension is working its hardest for you.
1. Check up on it
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.
2. Look at your investment allocation
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.
3. Bump it up
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
Services
Holistic planning
Establishing and reviewing trusts, complete personal risk management planning, short- and long-term savings and investments.
Income Protection
Permanent health insurance to provide a regular income should you be unable to work due to illness or injury.
Pensions
Expert advice to help provide comfort in your retirement.
Protection
Whole of life and term assurance protection, private medical arrangements, critical illness insurance.
General Insurance
Home contents insurance, buildings 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
Sebastian's location
Edinburgh
Scotland
United Kingdom
Sebastian is located in Edinburgh and offers expert financial advice to suit your needs.
More about me
Receiving financial advice should result in peace of mind, knowing that your financial goals are understood and a comprehensive plan is in place to meet these objectives. As your financial adviser, I am committed to being a constant presence in your life, ready to support and adapt to any changes in your circumstances.
My interest in financial advice began during my university years, driven by the desire to help people achieve their financial aspirations. Whether it's ensuring a comfortable retirement or supporting a child's education, I find this career both fulfilling and dynamic. After gaining valuable experience in a private client tax team, I decided to pursue my passion and qualified as a Financial Adviser. I am now ready to help clients achieve their financial goals, providing them with the peace of mind that their finances are in order and their plans are on track.
In my spare time, I enjoy staying active by playing amateur football, golf, and various other sports. I also have a passion for reading, with George Orwell's "Down and Out in Paris and London" being one of my favourites.
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.