Business Details
Trusted Financial Advisers in Glasgow
Thomson McCallum has built a reputation for delivering tailored financial solutions grounded in decades of industry expertise. With a dedicated team of advisers and administrative professionals, we prioritise a client-centric approach, addressing both immediate financial needs and long-term aspirations. Our Glasgow-based office serves individuals and businesses across the UK, offering comprehensive advice in pensions, protection, investments, and mortgages. Backed by 35 years of experience in financial services, we combine technical proficiency with a commitment to transparency and integrity. Our team holds qualifications from leading institutions and maintains affiliations with regulatory bodies like the Financial Conduct Authority.We specialise in simplifying complex financial decisions through jargon-free communication and strategic planning, ensuring clients receive actionable guidance aligned with their unique circumstances. From auto-enrolment pensions to retirement planning, our services are designed to safeguard financial futures while adapting to evolving market conditions. Client trust is reinforced through our association with Lyncombe Consultants Ltd, an FCA-authorised firm, and our adherence to rigorous compliance standards. Whether advising private clients or corporate entities, we focus on building enduring relationships through consistent, reliable service delivery.
Services
Auto Enrolment
Business Protection
General Insurance
Investments
Mortgages
Retirement Planning
Personal Protection
Wealth Management
Inheritance Planning
Equity Release
Highlights and features
- We combine 35 years of financial services experience with FCA-regulated expertise
- Our team provides jargon-free, strategic financial planning tailored to client needs
- We maintain long-standing partnerships with leading UK pension and investment providers
- Our Glasgow office offers accessible, face-to-face advisory services for local clients
- We provide transparent fee structures and comprehensive compliance documentation
Associations and certifications
- Financial Conduct Authority
Services
Retirement Planning
Our retirement planning service helps clients prepare for financial independence through comprehensive pension strategies. We assess personal pensions, stakeholder schemes, and annuities while considering drawdown options and state benefits. With expertise in SSAS and SIPP arrangements, we help clients optimise their retirement income while navigating complex tax regulations. Our advice considers individual circumstances, ensuring appropriate risk management and long-term sustainability.
Mortgage Advice
We offer impartial mortgage advice covering residential purchases, remortgaging, and buy-to-let investments. Our advisers assess market options to find suitable products based on client circumstances. We explain key considerations like fixed vs variable rates, equity release implications, and commercial mortgage requirements. Our service includes fee transparency and detailed product comparisons to support informed decision-making.
Investment Planning
Our investment planning service focuses on aligning financial goals with appropriate investment vehicles. We advise on ISAs, offshore bonds, OEICs, and structured products while explaining associated risks. The process begins with comprehensive financial assessment to determine risk tolerance and investment horizons. We monitor market conditions to provide timely portfolio adjustments while maintaining compliance with FCA guidelines.
Business Protection
We help businesses safeguard against financial risks through tailored protection solutions. Our services include key person insurance, shareholder protection, and partnership agreements. We assess business continuity needs and recommend appropriate coverage levels to mitigate risks from critical illness or death of key personnel. Our approach considers tax implications and long-term business sustainability requirements.
Auto Enrolment
We assist employers with auto-enrolment pension obligations, helping select appropriate schemes and meet regulatory requirements. Our service includes staging date calculations, employee communication strategies, and ongoing scheme management. We work with The Pensions Regulator guidelines to ensure compliance while balancing employer affordability and employee benefits. We provide educational presentations to simplify implementation for businesses.
People
Stuart McCallum
Director
With 35 years in financial services, Stuart holds a BA in Accounting and has worked with major firms including Zurich Advice Network and Quilter Financial Ltd. He specialises in wealth management and joined Lyncombe Consultants Ltd in 2022.
Martin O'Neill
Financial Adviser
A CII member with 25 years' experience, Martin specialises in strategic financial planning for agricultural businesses. He focuses on protection strategies, investment planning, and business succession solutions for UK and international clients.
Thomas Coats
Financial Adviser
Tom brings 28 years of experience from roles at Bradford & Bingley and RBS. He specialises in personal and business protection, pensions, and investment planning, having joined Thomson McCallum Ltd in 2012.
Stanley Jacobson
Paraplanner
With 30+ years in financial services, Stanley has maintained long-term client relationships since joining in 1992. He provides comprehensive paraplanning support across multiple generations of clients.
Gabriele McCallum
Director
As Practice Manager with 18 years' experience, Gabriele oversees daily operations. Her background in commercial account management ensures efficient service delivery and client relationship management.
Questions
What financial services do you specialise in?
We specialise in pensions, investments, mortgages, business protection, and retirement planning. Our services also include inheritance tax planning and general insurance solutions.
Are your financial advisers qualified?
Our team holds industry-recognised qualifications from institutions like the CII. All advisers operate under Lyncombe Consultants Ltd's FCA-authorised framework.
Do you offer mortgage advice?
Yes, we provide mortgage advice for residential purchases, remortgaging, buy-to-let, and commercial properties through our experienced mortgage administrators.
How are your fees structured?
Mortgage advice typically incurs a £500 fee for residential cases, while investment fees vary. We provide detailed key facts illustrations for all recommendations.
Can you help with pension transfers?
We advise on pension transfers but caution against moving out of final salary schemes without thorough assessment of long-term implications.
What protection options do you offer?
We provide life assurance, critical illness cover, income protection, and business-specific solutions like key person protection and shareholder agreements.
