Johnston Carmichael Wealth

Working in conjunction with our investment research partners, Square Mile Investment Consulting & Research Limited, our latest quarterly investment market commentary provides a summary and outlook on the markets: https://bit.ly/3YCBp7P #MarketCommentary #Investments #FinancialPlanning

Iain and Patricia’s journey with Craig Hendry, Managing Director, began over two decades ago and has gone from strength to strength. Approaching retirement, they were looking for a trusted adviser who could help them achieve their property aspirations and maintain a comfortable lifestyle. Through a deep understanding of their objectives, Craig has helped Iain and Patricia accomplish their goals, create a robust retirement strategy, and develop tailored financial plans – so they can focus on other aspects of their lives, knowing their finances are being managed. Read our full client case study here: https://lnkd.in/efe5eHh9 #WealthManagement #Pensions #RetirementPlanning #FinancialPlanning

Sharp Minds on The Autumn Budget 💼 Today’s Budget revealed a shakeup for Inheritance Tax calculations. Martin Hendry FPFS, Chartered Financial Planner in our Johnston Carmichael Wealth team, discusses the change which will include pensions in Inheritance Tax scope from 2027. This announcement will lead to a fundamental change in how clients can access their money after retirement. Make sure to follow along and visit our Budget Hub, as we post more video insight from our team of sharp minds: https://lnkd.in/eA575nvz   #Budget2024 #AutumnBudget2024 #UKBudget #WeTalkTax

At Johnston Carmichael Wealth, we know that managing personal wealth goes hand-in-hand with achieving the milestones and goals you set yourself in life. Iain and Patricia knew they wanted to downsize their property and find their next home in an area they loved – and thanks to the expert advice of our award-winning financial planners, they were able to achieve this not only earlier than planned, but in a tax-efficient way that they didn’t even know was possible. Read our client case study here: https://lnkd.in/e69e_HM4 #WealthManagement #Pensions #RetirementPlanning #FinancialPlanning

Our final blog in our Autumn Budget predictions series is here! This time our Tax and Wealth experts explore the Personal Tax changes that may be coming up when the Budget is announced on 30 October. From potential changes to Capital Gains Tax to pension contributions, we’ve got you covered on how these updates could impact you. Read more: https://lnkd.in/gVJcrsqM #Budget2024 #AutumnBudget2024 #UKBudget #WeTalkTax

Earlier this month, our team had the privilege of attending ‘The Future of Financial Planning and Risk Management – Celebrating Excellence’ event, hosted by the The Insurance Institute of Aberdeen. Alongside 125 professionals from the region, the event celebrated the achievements of those making strides in the financial planning and insurance sectors. A special congratulations to our team members who were recognised for their hard work and dedication, receiving awards for attaining professional qualifications between January 2023 and July 2024. Well done to the following: Achieving their certificate in Financial Services: - Emma Black, Client and Compliance Support, who also took home the award for Top Performer - Louise Masson, Business Operations Team Leader - Alison Findlay, Client Support Achieving their diploma in Financial Planning: - Julie Gray, Financial Planner Our team’s achievements spread across our offices, and we’d like to take this opportunity to celebrate the below who have also achieved qualifications recently: - Valerie Cronshaw, Chartered Financial Planner, Advanced Diploma in Financial Planning - Emma Chalmers, Client Support, Certificate in Financial Services - Greg Clark, Client Support, Certificate in Financial Services We’re incredibly proud of our talented and driven team. Here's to continued success! 👏 👏

As Benjamin Franklin said over 200 years ago, “nothing is certain except death and taxes”. The good news is death and taxes may be certain, but there are things you can do to mitigate both. With the first Budget announcement under the new government on the horizon, now is a good time to consider what you can do to be as tax efficient as possible. Read more: https://lnkd.in/eZUXAf2m #PersonalFinances #WealthManagement #FinancialPlanning

With the opportunity to advise business owners on what to do with their pensions, the conversation regularly leads to the question, "can I or should I use my pension funds to buy our business premises?". Here, Martin Hendry FPFS, Chartered Financial Planner, explains everything you need to know about using a SIPP to buy a commercial property: https://bit.ly/47jPrPw #PersonalFinances #FinancialPlanning #SIPP #Pensions

That's a wrap on Good Money Week 2024! We enjoyed taking part in this week with our webinar yesterday, where we discussed how you can do good with your money, and sustainable investing. A big thank you to Sally Kramers and Jake Moeller for joining us, alongside Craig Hendry. If you missed the webinar and would like to watch the recording, click here: https://bit.ly/3ZUHPkT UKSIF Square Mile Investment Consulting & Research Limited Scott Dakers #GoodMoneyWeek #SustainableInvesting #FinancialPlanning #Investments #GMW24

Johnston Carmichael’s Wealth team has placed first in the FT Adviser's annual ranking of the Top 100 financial advisers for the third year running. Craig Hendry – Johnston Carmichael Wealth – Stuart Walker – Johnston Carmichael Chartered Accountants and Business Advisers #scottishfinancialnews #scottishbusiness #financialservices #wealthplanning #wealthmanagement #financialadviser #accountants #accountancy #financialservicesindustry