Business Details
Trusted Chartered Financial Advisers in the North of Scotland
Watson Wood Financial Planning is an independent financial planning firm with over 35 years of combined experience, providing unbiased, expert advice to private individuals, business owners, families, and trusts across the North of Scotland. Our team of Chartered and Certified Financial Planners holds qualifications from the CISI and CII, ensuring adherence to strict professional and ethical standards. We specialise in pensions, retirement planning, estate planning, and long-term investment strategies, offering tailored solutions aligned with each client's unique goals. Our client-centric approach prioritises transparency, confidentiality, and ongoing support, with offices in Inverness, Elgin, and Aberdeen. We maintain a commitment to continuous professional development, ensuring our team remains at the forefront of industry knowledge and regulatory compliance. By limiting client numbers per planner, we foster long-term relationships and deliver a level of service that distinguishes us from larger firms.Our holistic financial planning integrates tax efficiency, life insurance, and protection strategies, adapting to life's inevitable changes. As an authorised and regulated firm by the Financial Conduct Authority, we uphold the highest standards of integrity and accountability. Client testimonials highlight our professionalism, clear communication, and ability to transform financial futures through strategic planning. With a focus on personal meetings and video conferencing, we ensure accessibility while maintaining the quality of our advisory process. Our service standards, built on referrals from satisfied clients and professional introducers, reflect our dedication to impartiality, fairness, and excellence in financial advice.
Services
Pensions
Retirement Planning
Estate Planning
Investment Strategies
Tax Planning
Life Insurance
Wealth Management
Financial Planning
Protection
Investment Planning
Highlights and features
- We are both Chartered and Accredited through the CISI and CII, reflecting our commitment to professional excellence.
- Our team holds advanced qualifications including Certified Financial Planner and Chartered Wealth Manager designations.
- We prioritise long-term client relationships with a personalised approach to financial planning.
- Our service standards are built on referrals from satisfied clients and professional introducers.
- We operate with full transparency and ethical integrity, placing client interests first.
Associations and certifications
- CISI
- CII
- Financial Conduct Authority
What people say
Professionalism shown
Right advice
Recommended friends
Incredible professionalism
Positive feedback
Services
Pensions
We provide comprehensive pension planning services tailored to individual needs, ensuring clients maximise their retirement savings while navigating complex tax regulations. Our approach considers current financial status, future goals, and risk tolerance to create sustainable income streams. With expertise in UK pension schemes, we help clients optimise contributions, transfers, and withdrawal strategies for long-term security.
Estate Planning
Our estate planning services focus on preserving wealth for future generations while minimising inheritance tax liabilities. We develop strategies incorporating wills, trusts, and gifting to align with clients' personal and financial objectives. By integrating legal and tax considerations, we ensure seamless asset transfer while maintaining compliance with evolving regulations.
Investment Strategies
We design bespoke investment strategies that balance growth potential with risk management, tailored to clients' financial goals and time horizons. Our approach combines market analysis with individual risk profiles to construct diversified portfolios. Regular reviews ensure strategies adapt to changing market conditions and personal circumstances.
Tax Planning
Our tax planning services identify opportunities to reduce liabilities across income, capital gains, and inheritance taxes. We implement legal strategies that align with overall financial plans, including tax-efficient investments and structuring recommendations. Continuous monitoring ensures compliance with regulatory changes while maximising after-tax returns.
Life Insurance
We offer tailored life insurance solutions to safeguard families and businesses against financial loss. Our services include term life, whole-of-life policies, and critical illness cover, designed to meet specific protection needs. We assess individual circumstances to recommend appropriate coverage levels and policy structures.
People
Kevin Wood
Director
A founding Director and Chartered Financial Planner with over 14 years in the industry, Kevin combines economics expertise with practical experience to deliver tailored financial solutions. He actively contributes to regional financial planning initiatives.
Kirsty Watson
Director
As a Chartered Financial Planner, Kirsty brings extensive local knowledge and 18 years of experience, specialising in helping clients achieve long-term financial security through personalised strategies.
Allan Sillars
Director
With 25 years at RBS and leadership roles in social enterprises, Allan oversees operational excellence, enabling planners to focus on client outcomes while managing finance and IT functions.
Martyn Percival
Chartered Financial Planner
Martyn specialises in investment planning, leveraging 8 years with national institutions and a Chartered Wealth Manager qualification to develop client-focused financial strategies.
Shelley McMillan
Financial Planner
Shelley offers 17 years of banking and wealth management experience, focusing on building strong client relationships to create effective financial plans aligned with personal goals.
Questions
What financial planning services do you offer?
We specialise in pensions, retirement planning, estate planning, investment strategies, tax efficiency, and life insurance solutions tailored to individual needs.
Are you regulated by any financial authorities?
Yes, we're authorised and regulated by the Financial Conduct Authority and hold Chartered status through the CISI and CII.
How do you conduct client meetings?
We offer face-to-face meetings in Inverness, Elgin, or Aberdeen, with video conferencing available for convenience and safety.
What fees apply to your services?
Most clients pay a percentage of funds under management, with clear fee proposals provided after initial consultations based on work complexity.
Do you serve clients outside Scotland?
While based in Scotland, our services primarily target UK residents, with expertise in regional financial landscapes across the Highlands and Aberdeenshire.
How often do you review financial plans?
We conduct regular reviews to ensure plans remain aligned with goals, typically revisiting strategies annually or when significant life changes occur.
Reviews (2)
Mary Moris
Jan 07, 2022
Report
It is very important to work with a broker that can help you build a safe trading strategy. Mrs Peggy Abbott, work very hard to provide each and every one of her clients with the best trading experience. Please contact her, she will be glad to help you, Email: Peggyabbott239@gmail.com WhatsApp +1(475) 295-1383.
Akash Raj
Sep 18, 2021
Report
I enjoyed my experience with my account managers service, This was my first time buying and investing BTC(BITCOIN), and while there were definitely some missteps on my end, your customer support was excellent and made it all fairly painless, and at the end of everything I got my complete profits. I am really grateful ma'am some of your competitors… could learn a thing or two from you Mrs. Helen Wayne. Email or WhatsApp if you are really finding it difficult investing on forex trading Email: helenwayne267@gmail.com or her WhatsApp:+39 334 273 6512
