As a specialist provider of financial planning for barristers, we understand your unique needs and the challenges you face. As a self-employed professional working long and unsociable hours with inconsistent levels of income, it can be challenging to allocate time to efficiently plan for your financial future.

Because we understand your world and what’s important to you, you will find that we can offer you a bespoke portfolio of financial solutions specifically designed to help bring you peace of mind and financial security.

For Investments, Pensions, Income Protection or Inheritance Tax Planning: please email or phone 01625 575800 or 07775 560010.

Pension Planning

Given recent legislative changes to pension provision, it has perhaps never been more important to assess your existing arrangements. The new rules carry some great opportunities if acted on appropriately.

We ensure we work closely with you to identify those things that are important to you and help you make the right decision when the time comes to retire.

We work with a carefully selected panel of providers and offer the following range of products:

• Self-Invested Pension Plans (SIPPs)
• Trustee Schemes
• Retirement Plans
• Draw-down Plans
• Annuities

Investment Planning

Are you optimising the tax-efficient investment opportunities that exist? Would you like someone else to take the strain of identifying appropriate investments for you? You will have a dedicated adviser to carry out reviews with you on an agreed frequency to monitor progress and take action when necessary. As your long-term partner, we aim to deliver peace of mind and a wealth of financial planning expertise.

Inheritance Tax Planning

Inheritance Tax Planning is an area of financial planning that is often misunderstood and neglected. Changes in legislation and your circumstances can negatively impact wealth protection strategies that you have implemented. That’s why it’s crucial that your Inheritance Tax Planning is in safe and expert hands. When you choose to work with us, you can look forward to regular reviews of your estate, taking into account incoming legislation and how it will affect you and your beneficiaries.

Income Protection

Nothing in life is guaranteed, and that of course includes your health and wellbeing. Implementing measures to protect you and your family should you fall ill is of paramount importance. Here at Glencairn Financial Planning, we can suggest a range of options to protect you and your family financially until you are back on your feet.

Mortgages

Finding the mortgage that is right for you and your circumstances forms the bedrock of your financial security. Whether you are a first-time buyer, moving home or wish to take advantage of a more competitive rate, it is vital that you have the right mortgage in place.

Being a self-employed barrister on a variable income can bring its own challenges. We work with a
St. James’s Place Practice which specialises in sourcing a comprehensive range of mortgages from across the marketplace which lenders make available to mortgage intermediaries to meet an array of needs and criteria.

The value of an investment with St. James's Place will be directly linked to the performance of the funds selected and the value can therefore go down as well as up. You may get back less than the amount invested.

The levels and bases of taxation, and reliefs from taxation, can change at any time. The value of any tax relief depends on individual circumstances.