Business Details
Your Trusted Financial Advisers in Glasgow
Just Financial Group is a Chartered Financial Planning Firm dedicated to providing bespoke, holistic, and independent financial advice to private clients, families, charities, trustees, and businesses across the UK. Our team of six Chartered Financial Planners combines technical expertise with a client-centric approach, ensuring every recommendation aligns with individual goals and ethical standards. Established on principles of integrity and transparency, we prioritise long-term client relationships built through referrals, reflecting our commitment to delivering tailored financial strategies that evolve with changing circumstances.Our five-step service framework ensures clarity, from initial consultation to ongoing reviews, while our independence guarantees unbiased advice free from institutional affiliations. With a focus on wealth management, investment planning, pension strategies, and tax-efficient solutions, we empower clients to navigate complex financial landscapes with confidence.
Services
Wealth Management
Investment Planning
Pension Advice
Tax Planning
Estate Planning
Ethical Investing
Trustee Services
Business Protection
Retirement Strategies
Protection Policies
Highlights and features
- We are a practice of Chartered Financial Planners with UK-wide expertise
- Our five-step process ensures clear, actionable financial strategies
- We operate independently with no product provider affiliations
- Client referrals form the foundation of our trusted relationships
- Ethical standards underpin all our wealth management recommendations
Associations and certifications
- Financial Conduct Authority
Services
Wealth Management
Our wealth management service creates tailored strategies to grow and protect assets through market fluctuations. We combine investment expertise with risk management to align portfolios with individual goals. Regular reviews ensure adaptability to legislative changes and personal circumstances.
Investment Planning
We design diversified investment portfolios considering risk tolerance and financial objectives. Our approach balances growth potential with tax efficiency across ISAs, pensions, and investment bonds. Ongoing monitoring maintains alignment with evolving market conditions and client needs.
Pension & Retirement Planning
Specialist pension advice covers auto-enrolment, tax-free cash options, and income structuring. We develop retirement plans that integrate state pensions with private provisions, ensuring sustainable income streams while minimising tax liabilities through regular strategy reviews.
Estate & Tax Planning
Our tax planning services reduce inheritance tax exposure through trusts, life assurance, and strategic gifting. We help clients preserve wealth for beneficiaries while complying with current legislation, ensuring efficient asset transfer with minimal HMRC impact.
Ethical Investing
We offer Sharia-compliant and ESG-focused investment options that align with personal values. Through negative/positive screening, we construct portfolios avoiding harmful industries while supporting socially responsible enterprises across global markets.
People
Al-Karim Parpia
CEO / Chartered Financial Planner
With over 20 years' experience, Al-Karim specialises in ultra-high-net-worth client solutions. He leads strategic direction while maintaining hands-on client relationships, ensuring adherence to the firm's core values of integrity and excellence.
Dhawal Chandan
CFO / Chartered Financial Planner
Dhawal combines financial oversight with client advisory services. His expertise in complex financial arrangements ensures both organisational and client portfolios maintain rigorous compliance and performance standards across regulatory frameworks.
Gary Watt
Director / Chartered Financial Planner
Gary focuses on multi-generational wealth planning, specialising in trust structures and intergenerational asset transfer. He ensures clients benefit from tax-efficient solutions while maintaining regulatory compliance across jurisdictions.
Questions
What financial planning services do you offer?
We provide comprehensive wealth management, investment planning, pension advice, tax-efficient solutions, and ethical investing options tailored to individual circumstances.
Are you regulated by financial authorities?
Yes, we're authorised and regulated by the Financial Conduct Authority (reference number 739938) and registered in Scotland.
How do you ensure investment strategies remain effective?
We conduct regular portfolio reviews, monitor market changes, and adjust strategies to maintain alignment with client goals and risk profiles.
Can you help with inheritance tax planning?
Our specialists use trusts, life assurance, and strategic gifting to minimise inheritance tax liabilities while ensuring efficient asset transfer to beneficiaries.
Do you offer Sharia-compliant investments?
Yes, we provide Islamic finance solutions and other ethical investment options that align with religious and personal values through rigorous screening processes.
Reviews (2)
Kim Jackson
Jul 09, 2018
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DC at Just Financial Group was excellent at understanding our requirements and working with us to determine the right policies for our needs. He was thorough and gave us a lot of confidence that everything was taken care of. Would highly recommend.
Gary John Weir
Aug 14, 2017
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Gary and the team have looked after our pension and funeral plans for past couple of years now second to none honest excellent advice never under any pressure if in the market to transfer pension etc give these guys a look the personal touch
