How We Work

Our approach to financial planning centres around your requirements.

Our services are bespoke to you and your personal goals, so the first thing we do is spend time getting to know you, your ambitions and the people who matter most.

Choosing the right financial planner is an important decision, so we begin with an initial meeting with no cost or obligation. We listen carefully to get a very clear picture of your vision and objectives, along with your approach to money, as well as explaining what we do and how we can help. This gives you the opportunity to consider whether we’re a good fit for you.

For an insight into how we work and what we can do for you, click on the video below to hear from our Managing Director Craig Hendry.

Working with us

If you decide to work with us, we’ll conduct an in-depth review of any existing pensions, investments, accounts, policies and plans to help you understand what you already have and how it works. We’ll also have a more detailed discussion on exactly what you wish to achieve in the future. Once we’ve established your goals, we’ll create a long-term financial plan which illustrates the different ways in which you can use your income and assets to fulfil your objectives.

Our aim is to give you the clarity and confidence you need to make informed decisions about your finances, so we will clearly explain the different scenarios available to you, highlighting the risks, benefits, and actions you would need to take for each.

Should you opt to proceed with our plan, we’ll then recommend the best ways to implement this based on the knowledge and experience of our financial planners and bolstered by the specialist in-depth investment analysis carried out by our research partners, Square Mile. We can take care of the full administration involved in managing your plan, so you can focus on living life on your terms.

We know that life moves fast, so our financial plans aren’t static – from the very beginning, we’ll refine your plan in line with any changes you are undergoing or anticipate. We monitor your plan on a regular basis and keep in touch with you to review your objectives and make sure you’re on track. We can also bring in specialists from Johnston Carmichael to advise on any other areas you may need support with, such as our personal tax team.

As a client of Johnston Carmichael Wealth, you’ll also have access to The Wealth Hub, an online platform and app which allows you to track and monitor your finances at a glance, plus communicate securely and share documents with your financial planner.

Keeping you informed

An important part of our role is keeping you up to date on developments in the marketplace. In addition to our regular client emails, our team run regular in-person and online briefings across Scotland to discuss upcoming changes to be aware of.