Good financial planning is at the heart of so many of the key milestones in life’s journey.

At Johnston Carmichael Wealth, what’s important to us is that you live life on your terms. We believe in intentional living - the art of making your own choices - and, as such, our philosophy is simple: your goals and aspirations, our expert advice.

Buying a new home, launching a new business, supporting your children and/or grandchildren, feathering the retirement nest, retiring early, satisfying any philanthropic aspirations – these are all far-reaching needs that should be met with skilful financial planning from a skilful financial planner.

Our team of independent financial planners prioritise really understanding what’s important to you, so we can create a bespoke financial plan that is uniquely tailored to your objectives. However you want your future to look, our expertise and experience will help you make it a reality.

Our standards

Our independent status means we always have your best interests at heart and, as quality accredited Chartered Financial Planners, we have demonstrated our commitment to financial planning and will always apply the highest standards of professionalism and best practice. For more information on what our chartered status means, watch this short video by the Chartered Insurance Institute.

Chartered Financial Planners

Chartered Financial Planners

A professional body dedicated to building public trust in the insurance and financial planning profession.

How we support you

From investment management and pension and retirement provision to inheritance tax, estate planning, family governance and business protection; the breadth of our expertise provides you with the peace of mind that your financial plan takes all of your needs into account.

We are recognised as the number one financial adviser in the UK by FTAdviser, ranking in first place on their Top 100 Financial Advisers 2023 list. The list showcases professional advisers standing out in the market for the quality and professionalism of their experts, and their commitment to putting clients’ best interests and financial goals at the forefront of their advice.

As well as assessing your current circumstances and working with you to build a long-term plan to achieve your goals, we can also help you look after your ‘bigger picture’. As part of Johnston Carmichael, Scotland’s largest firm of independent Chartered Accountants and Business Advisers, we can leverage the wider financial insight of our colleagues to ensure that your personal financial goals are aligned with your business goals and these are working in harmony. We work closely with our Private Client Tax team, which offers specialist advice on areas such as capital gains tax, succession strategies, and personal and trust taxation.

Bolstering our expertise even further is our partnership with Square Mile, an independent investment research business, so you can rest assured that our advice is backed by the most up-to-date and high quality research.

Our promise is to give you and your family complete confidence in the financial security of all your personal and business affairs. We provide a complete service to support you every step of the way, and with 13 offices across the UK, there is always someone close by, and close to your needs.

Craig Hendry leads the team, who are all experts in the key areas that affect your personal and business finances, from pension and retirement provisions, inheritance tax, investment management, estate planning, family governance or business protection and the purchase and sale of assets. And with 13 offices across the UK, there is always someone close by, and close to your needs.

Our promise is to give you and your family total confidence in the financial security of all your personal and business affairs.



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