Acumen Financial Planning Limited is an independent company serving private clients throughout Scotland and beyond. We deliver high quality, comprehensive financial planning in accordance with the Institute of Financial Planning's Code of Ethics. Whatever your stage in life, our approach is very much a case of helping you to help yourself. You remain in control of your finances at all times but through regular planning meetings with us, we will advise on re-aligning your assets to take full advantage of tax legislation or to reduce risk. Against a background of a comprehensive financial plan, we advise on: personal and corporate taxation, succession planning and exit route planning, investment management, self invested pensions, offshore investments, retirement planning and estate planning.

Our clients are typically members of The Faculty of Advocates, partners in professional firms, business owners and individuals who have significant levels of income and/or net worth. They expect a certain standard of professionalism and we ensure they receive a bespoke service tailored to their individual requirements.
Financial Planning is not just for individuals. We advise companies on financial matters typically in relation to their corporate and tax structures, extracting income/gains for shareholders/directors and, when appropriate, preparing the business for sale in the most tax-efficient way.

At Acumen, financial planning is dictated by our clients' best interests and not biased by the lure of commissions, which can be earned from certain financial products.

Financial planning, despite its name, is actually more about life than money. It is the process of meeting your life goals through the proper management of your finances. Acumen's financial planning process consists of six steps to help you take a look at where you are financially.

• Establish life goals
• Gather data
• Analyse the data provided
• Prepare a financial action plan
• Implement the plan
• Review the plan on a regular basis

Understanding the bigger picture is critical to our relationship with you. What is suitable for one individual may not necessarily be right for another, so we endeavour to understand what motivates you and your immediate family, your view on risk and your need for security and independence. We define financial independence as being the time in your life when you have sufficient savings and investments so that you do not need to worry about money.
Acumen's unique 'Statement of Financial Independence' model, written by our in-house experts, will unlock your potential for financial independence by planning your savings and investments, to meet your goals with realistic timescales. Our financial life planning advice is proactive, independent and objective.

Effective financial life planning doesn’t have to be a lonely journey. With the proper guide, it can be an exciting adventure of self-discovery, leading to clarification of future goals and greater financial security.

We offer a commitment to guide and educate.

‘By creating a system that can be monitored over many years, significant progress towards financial freedom can be made.’
Duncan R Glassey – Acumen Financial Planning Ltd
Certified Financial Planner & Author of
‘Financial Freedom: Using The WealthFlow System’