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Financial services

Hero Aberdeen Lighthouse

Trusted, independent financial advice for the important things in life.

Our subsidiary Ledingham Chalmers Financial helps you realise your financial goals and aspirations, no matter what happens.

Our team has extensive experience advising individuals and their families, business owners, executives, solicitors, accountants and trustees across Scotland.

Services include —

  • Savings and longer-term investment management
  • Pensions and retirement planning
  • Life and health insurance protection
  • Mortgages
  • Inheritance tax planning

When you get in touch you may be moving home or want more control of your pensions and investments, making sure they work well for you and deliver the return you want.

Or, you may be facing a loss, redundancy or divorce, approaching retirement or wondering how to handle later-life care for yourself or a loved one.

Whatever your reason, we’ll help you get there.

How it works

Before we talk money, we listen. We take time to consider your situation, your lifestyle needs and your priorities.

We tailor recommendations to suit your financial goals and aspirations. We’ll always give uncomplicated, practical recommendations, and explain why we’ve suggested that approach.

Then we produce your financial plan to help turn your immediate, medium and longer-term objectives into reality.

Of course, change is one of life’s few certainties — as such, it makes sense to review things regularly to ensure your plan remains on track, including tax developments, products on the market as well as legislation.

Simply put, we help take the guesswork out of what tomorrow might bring.

Ledingham Chalmers Financial Limited is authorised and regulated by the Financial Conduct Authority (Registration Number 196274).

The value of your investments may fall as well as rise. You may get back less than you originally invested.

As a mortgage is secured against your property, it could be repossessed if you do not keep up mortgage repayments. The Financial Conduct Authority does not regulate some buy-to-let mortgages.

Pensions are a long-term investment. You may get back less than you put in. Pensions can be subject to tax and regulatory change. Therefore, the treatment of pension benefits can and may change in the future.