Business Details
15 Years
experience
Your Trusted Financial Advisers in Glasgow
Established in 2011, Kelvin Financial Planning was founded by Michael Jackson and Chris Malcolm, two seasoned financial professionals who previously worked together at an independent financial advisory firm. Our commitment to providing truly independent advice emerged when the firm we worked for relinquished its independent status, prompting us to create Kelvin Financial Planning to ensure clients could continue receiving unbiased guidance. With combined decades of experience in the financial services industry, we specialise in delivering comprehensive financial planning solutions tailored to individual client needs. Our team holds prestigious qualifications including Certified Financial Planner, Chartered Wealth Manager, and Fellow of the Chartered Institute of Securities and Investments. We pride ourselves on our straightforward communication style, avoiding financial jargon to ensure clients fully understand their options.Our services are built on a foundation of trust, transparency, and a genuine commitment to helping clients achieve their financial goals. We operate under strict regulatory oversight from the Financial Conduct Authority, maintaining the highest professional standards. Our Glasgow-based practice serves clients across Scotland, focusing particularly on those approaching retirement, retirees, and business owners. We employ a structured six-step financial planning process that combines technical expertise with personal understanding of each client's unique circumstances. Our long-term client relationships are built on consistent delivery of value-for-money advice that prioritises clients' interests above all else.
Services
Pension planning
Savings and investments
Inheritance tax planning
Protection services
Financial planning
Details
- Year established: 2011
Highlights and features
- We are FCA-authorised financial advisers with decades of combined industry experience
- Our team holds prestigious qualifications including Certified Financial Planner and Chartered Wealth Manager
- We specialise in jargon-free communication that makes complex financial matters easy to understand
- We maintain long-term client relationships built on trust and transparent fee structures
- Our holistic six-step planning process ensures comprehensive financial solutions tailored to individual needs
Associations and certifications
- Financial Conduct Authority
What people say
No financial worries
Thorough and clear
Confidence in financial future
Patient and helpful
Enjoy retirement
Services
Pension planning
Our pension planning service helps clients prepare for a secure retirement by assessing current pension provisions, identifying gaps, and creating tailored strategies to meet retirement goals. We provide expert guidance on pension consolidation, tax-efficient withdrawals, and lifetime allowance management. Our approach ensures clients understand their options while navigating complex pension regulations to maximise retirement income potential.
Savings and investments
We help clients build and manage investment portfolios aligned with their risk tolerance, financial goals, and time horizons. Our service includes market analysis, asset allocation strategies, and regular portfolio reviews to ensure investments remain on track. We focus on creating diversified portfolios that balance growth potential with risk management to help clients achieve long-term financial objectives.
Inheritance tax planning
Our inheritance tax planning service helps clients preserve wealth for future generations by identifying tax-efficient strategies within current legislation. We assess estate values, explore exemptions and reliefs, and recommend appropriate structures to minimise inheritance tax liabilities. Our approach ensures clients can pass on maximum value to loved ones while maintaining their own financial security.
Protection services
We provide comprehensive protection advice covering life cover, critical illness, income protection, and mortgage protection policies. Our service assesses clients' protection needs based on family circumstances, financial commitments, and long-term goals. We help clients select appropriate coverage levels and policy structures to safeguard against unforeseen events that could impact financial security.
Financial planning
Our holistic financial planning service integrates all aspects of personal finance into a comprehensive strategy tailored to individual circumstances. We establish clear financial goals, assess current positions, and develop actionable plans covering pensions, investments, tax efficiency, and protection. Regular reviews ensure plans remain aligned with changing life circumstances and market conditions to maintain long-term financial security.
People
Michael Jackson
Company Director, Certified Financial Planner
Co-founder with 25 years in Scotland, holding CFP and Chartered Wealth Manager qualifications. Specialises in long-term financial planning and client relationship management.
Chris Malcolm
Company Director, Financial Planner
Co-founder with advanced financial advisory qualifications. Focuses on client-centric solutions and financial product implementation with 20+ years industry experience.
Paul Scarff
Chartered Financial Planner
30-year industry veteran specialising in wealth creation and preservation. Holds Chartered Financial Planner status with expertise in complex financial planning scenarios.
Kirsteen MacKay
Paraplanner
Qualified paraplanner with Level 4 Diploma in Regulated Financial Planning. Provides technical support to senior advisers while maintaining client documentation standards.
Leigh Livingstone
Client Services Administrator
Experienced administrator supporting client onboarding and documentation processes with attention to detail and client service excellence.
Questions
What financial planning services do you offer?
We provide comprehensive financial planning covering pensions, investments, inheritance tax mitigation, and protection strategies tailored to individual client needs.
Who are your typical clients?
We primarily work with individuals approaching retirement, retirees, and business owners seeking to secure their financial future.
How are your fees structured?
We maintain transparent fee structures with charges based on the complexity of client needs and the services provided.
Are you regulated by any financial authority?
Yes, we are Authorised and Regulated by the Financial Conduct Authority (FCA) under number 568257.
How often do you review financial plans?
We typically conduct annual reviews, though more frequent updates can be arranged based on changing circumstances.
Do you provide jargon-free financial advice?
Yes, we prioritise clear communication and ensure all advice is delivered in plain English without technical jargon.
Reviews (1)
Jim Smith
Jan 30, 2020
Report
Great advice with impressive technology to back it up. I have been a client of Kelvin FP for a couple of years now & find them very easy to deal with, speak in plain English & have a very impressive scenario based illustrative tool that helps with decision making. Highly recommended.
