Our Services

A Chartered Financial Planner provides advice to the highest professional standards, focusing on helping you make informed, long term financial decisions. This typically includes structuring your investments, planning for retirement, managing tax efficiently and ensuring your wealth supports your wider life goals.

At Celtic Financial Planning, we take a holistic approach, bringing all aspects of your finances together into a clear, structured plan. Our role is to provide clarity, challenge where needed and help you stay on track as your circumstances evolve.

No two clients are the same, which is why our advice is always tailored to your specific situation. We take time to understand your financial position, family circumstances, business interests and long term goals.

This allows us to build a plan that reflects your priorities, risk profile and time horizons, ensuring every recommendation is relevant, practical and aligned with what you are looking to achieve.

There is no perfect time, but many clients come to us when they are building significant assets, approaching retirement or facing major financial decisions such as business changes or inheritance planning.

The earlier you have a clear plan in place, the more opportunities there may be to improve outcomes over the long term.

Effective financial planning can help structure your assets in a way that may reduce inheritance tax exposure. This can include reviewing pensions, investments, gifting strategies and broader estate planning arrangements.

We help you understand your position and coordinate a clear plan, working alongside trusted professionals where appropriate.

The amount you need depends on your lifestyle, income expectations and how long your retirement may last.

We often use cashflow planning to model different scenarios, helping you understand whether you are on track and what adjustments may be needed to achieve your desired level of financial security.