Acumen Financial Planning

Independent Financial Adviser  Acumen Financial Planning Ltd, Edinburgh, City of edinburgh, EH3 7TH
First meeting at adviser's own cost
We provide clients with a clear vision of their financial future.
We can advise you on
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Annuity purchase
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Auto enrolment
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Pension consolidation
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Pension drawdown
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Pensions & divorce
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Pensions & retirement planning
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Pensions review
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Pensions transfer
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SIPPs
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Stakeholder
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Wealth management
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ISA / Unit Trusts / OEICs
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Investing for income
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Investment trusts
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OEICs
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Offshore investments
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Unit trusts
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Lump sum
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National savings
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Regular savings
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Savings for children
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School fees planning
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Critical illness
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Income protection insurance
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Life insurance
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Capital gains tax
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Estate planning
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Income tax
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Taxation planning
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EEA
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Rest of world
Response rating
7.0/10
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FCA authorised
Last authorised 25th May 2020
Meet our advisers
Neil Grant
Financial Planner

This qualification assesses a knowledge and understanding of investment products and the application of the investment advice process.

This examination assesses a knowledge and understanding of the Government’s simplified pension taxation regime which came into full effect on 6 April 2006 (A-Day). Eight tax regimes for pensions were reduced to one, radically affecting planning and transactions.

This qualification assesses a knowledge and understanding of the financial services industry, including regulation, legislation and the Code of Ethics.

To achieve DipPFS individuals must achieve 140 credits. At least 80 credits must be at Diploma or AFPC level.

This qualification assesses a knowledge and understanding of an ability to analyse pension and retirement planning issues.

This examination assesses a knowledge and understanding of investment products and the risks involved.

At the end of this unit, candidates should be able to demonstrate an understanding of: the basic structure of the tax system and self-assessment; the main taxes on income and capital that may be charged on individuals, the self-assessment system and how tax liabilities are computed; impact of residence and domicile on an individuals liability to UK tax.

This qualification develops advanced technical knowledge and understanding across a broad range of key advisory areas.

ACSI membership of the CISI, and denotes commitment to professionalism. It is awarded to those with a suitable combination of qualifications and experience.

This exam accesses understanding of the financial services and their regulation.

This exam accesses understanding of protection, savings and investment products.

This exam accesses understanding of identifying and satisfying client needs.

This qualification accesses the specialist knowledge and skills needed for advising on the transfer of safeguarded benefits

David Gow CFPCM MSc FPFS
Director & Chartered Financial Planner

This examination assesses the candidate to develop in depth financial planning skills related to personal and corporate pensions.

This qualification assesses a knowledge and understanding of the UK regulation environment in the financial services industry, long term care insurance products and the giving of long term care insurance advice.

This examination assesses the candidate to develop in depth financial planning skills related to investments and the management of investment portfolios.

At the end of this unit, candidates should be able to demonstrate an understanding of: the basic structure of the tax system and self-assessment; the main taxes on income and capital that may be charged on individuals, the self-assessment system and how tax liabilities are computed; impact of residence and domicile on an individuals liability to UK tax.

At the end of this unit, candidates should be able to demonstrate an understanding of the: legal principles associated with the creation and management of a trust; main types of trusts that are common in the UK; taxation considerations relevant to trusts.

At the end of this unit, candidates should be able to demonstrate an understanding of the: process of decumulating pension funds and the main issues for clients and advisers; main choices facing members of pensions schemes during decumulation; features, risks and tax treatment of the secured pension option; features, risks and tax treatment of the unsecured pension option; features, risks and tax treatment of phased retirement; features, risks and tax treatment of the alternatively secured pension option.

This examination assesses the candidate to develop an understanding of the financial planning process when giving advice to clients.

In order to have completed this qualification, individuals were required to obtain three units. These could have been selected from any combination of the available units at that time but must have included the compulsory G10 unit - Taxation and Trusts.

This qualification assesses a knowledge and understanding of the UK regulation environment in the financial services industry, mortgage products, repayment options and the giving of mortgage advice.

This examination assesses a knowledge and understanding of the different types of equity release products, risks to the consumer associated with equity release and application of suitable equity release solutions according to the circumstances of different customers.

To achieve the Fellowship grade, individuals would be required to have 10 AFPC (Diploma) units or equivalent. This shows a commitment to continuous professional development.

This qualification assesses a knowledge and understanding of the UK regulation environment in the financial services industry, mortgage products, repayment options and the giving of mortgage advice.

This examination assesses the candidate to develop in depth financial planning skills related to personal tax and trusts.

This examination assesses a knowledge and understanding of the Government’s simplified pension taxation regime which came into full effect on 6 April 2006 (A-Day). Eight tax regimes for pensions were reduced to one, radically affecting planning and transactions.

At the end of this unit, candidates should be able to demonstrate an understanding of the: main tax and legal frameworks that govern the accumulation phase of building up retirement benefits under registered pension schemes; features of defined contribution and defined benefit pensions; choices faced by early leavers and use of transfer value analysis; State retirement benefits available, including the risks and suitability of contracting out of the State Second Pension.

An internationally recognised financial planning credential. The holder must demonstrate a combination of experience, financial qualifications (usually AFPC/DipPFS) or equivalent, an IFP assessment, ongoing educational activity (continuous professional development) and ethical behaviour.

At the end of this unit, candidates should be able to demonstrate an understanding of: how the economic environment and individual company performance affects investment performance and investment decision making; how risk is measured and managed; the main principles governing how to construct an investment portfolio; the range of investment management services, how their performance is evaluated and their regulatory environment.

This examination assessed the knowledge and understanding of economic factors that affect risk from different investments, product features and regulatory framework of retail investments, taxation liabilities and portfolio planning.

Accreditations
Certified Financial Planner Chartered Financial Planner
What our clients say
I have referred many clients to David in the full knowledge that he can improve any client's financial situation. What he does is quite simple really. He acquires all the facts about a client, he asks them what their objectives are and then subsequently comes up with a solution. He also points out what could go wrong so that the client is fully empowered over their financial future. He does recommend products but the main reason I refer clients to him is because the advice is about helping the client and servicing the client. Its not recommending a "flavour of the month fund / product". The solution is then monitored at annual reviews and he works close with me to see if we can add anything to the client regularly. Together we save clients money by specifically reducing tax and product costs, David makes them money through investing and protects their money from any threats by utilising insurance or segmenting cash in case of an emergency.
Elena Barns, Chartered Tax Adviser and Accountant, Edinburgh
David Gow has been my advisor for approximately 10 years and I hope this arrangement will continue into the very distant future. When I first met David, I was immediately taken by his enthusiasm and confidence in his field. I find David very approachable and very contactable either by phone or email. Should I have a request or a query on a certain requirement, I have the confidence that David will always get back to me with suggested proposals within a short timescale or an arranged time. David has a wide and up to date knowledge on products, and a very honest adviser who takes my individual circumstances into account. David's enthusiasm seems to be ever increasing, and even although it is clear he is very high up and respected in his field, he always appears down to earth. All proposals/requirements are thoroughly researched beforehand and backed up with evidence and all clearly based on my individual situation/requirements/calculated risks in the case of investment. In summary, David is reliable, honest and hugely knowledgeable, and I would recommend him to any prospective client for their financial needs/requirements.
Chris Barrowman, Pitlochry
David has been providing me with pension and investment advice for many years now. He has always provided me with great advice, as part of a great service - he's even offered advice when I've been helping family members with their finances! I also find David very easy to work with. He travels down to London from Edinburgh to meet with me once a year, and the rest of the time is easily reachable by phone or email - ideal given that I usually have to fit any consideration of my finances in between multiple appointments
Sandy Scott, London
About us

Acumen Financial Planning provides the highest calibre of counsel to companies, business owners and private individuals alike. Our continued support helps you bring your plans to life, so you can have confidence in your financial security, whatever the future may bring.
The team in Edinburgh form part of a highly qualified firm with offices across Scotland. Our recent awards include Accredited Financial Planning Firm of the Year 2016 and 2018 and New Model Adviser Awards 2017 and 2018. More details can be found <url hidden>

Our services

We deliver a holistic package of unparalleled financial guidance in an accessible and approachable manner, combining one-to-one counsel and unique planning tools that empower clients to confidently achieve their full financial promise.

Where to find us
Head office address: Acumen Financial Planning Ltd, 8 Randolph Crescent, City of Edinburgh, Edinburgh, EH3 7TH
Preferred clients
Minimum wealth (income/assets)
£250,000
Minimum pension value
£250,000
Minimum mortgage value
£0
Advice methods
  • phoneButton
    Telephone
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    Face to face
Response rating
7.0/10
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FCA authorised
Last authorised 25th May 2020

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