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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.

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.

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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.

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 07 May 2025.