Business Details
Trusted Financial Advisers for Later Life Planning
Integrity Asset is a specialist financial advisory firm dedicated to addressing the unique financial challenges faced by individuals in later life. Established in Edinburgh and operating nationwide, we provide independent advice on wealth management, pensions, and personal protection. Our approach prioritises understanding client needs through a six-stage advisory process, ensuring tailored recommendations aligned with individual circumstances. As an FCA-authorised firm, we maintain rigorous compliance standards while fostering long-term client relationships built on transparency and ethical practice.Our expertise spans pension transfers, investment strategies, and wealth preservation planning, supported by collaborative partnerships with legal and accounting professionals. We distinguish ourselves through a client-centric model that combines technical proficiency with accessible, jargon-free communication, ensuring clients make informed decisions about their financial future.
Services
Financial Planning
Investment Advice
Pension Transfers
Wealth Protection
Retirement Planning
Tax Planning
Estate Planning
Risk Management
Asset Management
Long-Term Care Funding
Highlights and features
- We specialise in financial planning for later life stages with FCA-regulated expertise
- Our six-stage advisory process ensures comprehensive, tailored financial strategies
- We provide transparent fee structures with no hidden charges
- We collaborate with legal and accounting professionals for holistic financial solutions
- We maintain long-term client relationships with ongoing portfolio reviews
Associations and certifications
- Financial Conduct Authority
What people say
Utmost professionalism
Tremendously dedicated
Highly professional
Courteous, top class
Bespoke service
Services
Investment Advice
We provide tailored investment strategies for regular savings and lump sum investments, helping clients build capital for retirement or specific goals. Our approach considers individual risk profiles and financial objectives, offering solutions ranging from short-term cash management to long-term portfolio growth. We help clients navigate market volatility while maintaining compliance with FCA regulations.
Pension Transfers
Our pension transfer advice specialises in assessing defined benefit scheme conversions to personal pensions. We evaluate guarantees against alternative investment opportunities, considering longevity and retirement income needs. The service includes comprehensive analysis of pension freedoms legislation and tax implications, ensuring clients make informed decisions about their retirement funds.
Wealth Protection
We develop strategies to safeguard assets against inheritance tax, premature death, and income loss. Our services include trust creation and will structuring to ensure wealth transfer across generations. We address emotional and complex aspects of wealth protection, providing peace of mind through tailored insurance and estate planning solutions.
Financial Planning
Our six-stage financial planning process covers needs assessment, strategy development, and implementation. We specialise in pre-retirement and post-retirement planning, addressing changing financial requirements throughout later life stages. The service includes ongoing reviews to adapt to legislative changes and personal circumstances.
Risk Management
We identify potential threats to financial stability including market volatility, inflation, and personal life events. Our risk management strategies incorporate diversification techniques and insurance products to protect against unexpected circumstances. We help clients create contingency plans for illness, injury, or death to ensure family financial security.
People
Callum Reid
Financial Adviser
Callum Reid combines technical expertise with approachable service, specialising in pension advice and retirement planning. He demonstrates exceptional patience and professionalism, providing tailored financial solutions that address individual client needs and long-term objectives.
Questions
What financial services do you specialise in for later life planning?
We specialise in pension transfers, investment management, wealth protection, and retirement planning specifically tailored for individuals approaching or in retirement.
How do you ensure advice remains suitable as circumstances change?
We offer ongoing portfolio reviews and strategy adjustments to accommodate changing personal circumstances, legislative updates, and market conditions.
Are your financial planning fees transparent?
Yes, we provide clear fee structures with no hidden charges, explaining all costs before commencing any advisory work.
How are you regulated as financial advisers?
We are authorised and regulated by the Financial Conduct Authority (FCA) under registration number 663308.
Can you help with pension freedom legislation implications?
Yes, we provide expert guidance on pension freedoms including withdrawal strategies, tax implications, and sustainable income planning.
What areas do you cover across the UK?
While based in Scotland, we provide services to clients throughout the UK through face-to-face meetings and remote advisory options.
