Business Details
23 Years
experience
Trusted Financial Advisers in Dingwall | Leggatts Financial Services
We are an independent financial advice firm established in 2003, serving clients across the UK from our base in Dingwall, Scottish Highlands. Our team of FCA-authorised professionals specialises in delivering tailored financial planning solutions, including pensions, investments, retirement strategies, and inheritance tax mitigation. With over 35 years of combined experience, we collaborate with clients' existing advisers to ensure integrated, client-centric outcomes.Our commitment to plain, practical advice has earned us recognition as an appointed representative of The On-Line Partnership Limited, regulated by the Financial Conduct Authority. We prioritise long-term relationships, strategic risk management, and tax-efficient solutions to help clients achieve their financial objectives.
Services
Financial Planning
Retirement Planning
Protection Policies
Inheritance Tax Planning
Savings & Investments
Details
- Year established: 2003
Highlights and features
- We offer over 35 years of experience in tax and financial consulting.
- Our team includes FCA-authorised professionals with advanced qualifications.
- We provide integrated advice aligned with your solicitor and accountant.
- Specialised expertise in inheritance tax mitigation strategies.
- Client-centric approach with a focus on long-term financial security.
Associations and certifications
- Financial Conduct Authority
- Personal Finance Society
Services
Financial Planning
We design bespoke financial plans addressing aspirations, risk tolerance, and wealth preservation. Our advice covers personal and corporate planning, ensuring tax-efficient strategies tailored to individual circumstances. With a focus on practical solutions, we help clients build and protect their financial future through comprehensive, long-term investment approaches.
Retirement Planning
Our retirement planning spans pre-retirement savings, annuity selection, and post-retirement income management. We optimise pension contributions with tax relief, assess annuity and drawdown options, and provide ongoing portfolio management to sustain retirement lifestyles while adapting to legislative changes.
Protection Policies
We advise on life and income protection policies to safeguard families and assets. By evaluating individual needs, we recommend cost-effective insurance solutions that provide financial security during illness, disability, or death, ensuring peace of mind without overcommitment.
Inheritance Tax Planning
Our IHT mitigation strategies utilise exemptions, trusts, and gifting to preserve wealth for beneficiaries. We create long-term plans that balance tax efficiency with lifestyle needs, ensuring estates transfer with minimal fiscal impact while complying with unregulated planning standards.
Savings & Investments
We structure cash reserves and investment portfolios aligned with risk profiles and financial goals. By balancing security and growth, we recommend diversified products that maximise returns while minimising tax liabilities, ensuring liquidity and long-term capital appreciation.
People
Stephen Ilett
Director, IFA & Tax Consultant
With over 35 years of experience, Stephen is a Chartered Institute of Taxation member specialising in inheritance tax mitigation, pension planning, and business financial strategies. He holds advanced qualifications in trust and taxation and is FCA-authorised.
Cara Thompson
Director & IFA
Cara joined Leggatts in 2006 after graduating in Marketing. She focuses on investment portfolios and retirement planning, holding a Diploma in Financial Advice and FCA authorisation. Her expertise includes client-centric financial solutions.
Questions
What areas do you serve?
We provide financial advice to clients across the UK from our Dingwall office in the Scottish Highlands.
Are your services regulated?
We are FCA-authorised through The On-Line Partnership Limited. Inheritance tax planning is not FCA-regulated.
How do you tailor financial plans?
We assess your aspirations, risk tolerance, and financial situation to create custom strategies aligned with your goals.
What investment options do you offer?
We recommend diversified portfolios balancing cash reserves, growth assets, and tax-efficient products based on your risk profile.
How do you handle retirement planning?
We guide clients through pension contributions, annuity selection, and income management to ensure sustainable retirement lifestyles.
