Alistair Young Financial Ltd

Independent Financial Adviser  Coburg Wharf, Edinburgh, City of edinburgh, EH6 6ET
First meeting at adviser's own cost
We offer bespoke independent financial and mortgage advice to private clients and businesses primarily in the Edinburgh region.
We can advise you on
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Annuity purchase
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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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Bad credit
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Buy my next home
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Buy to let
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Buying first home
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Equity release
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Flexible mortgages
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High loan to value
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Mortgage protection
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Next home / Remortgaging
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Self-employed mortgages
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Wealth management
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Ethical investments
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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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Socially responsible investments
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Traded endowment policies
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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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Group Pension/Stakeholder
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Group Protection/Life Insurance
Response rating
9.1/10
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FCA authorised
Last authorised 29th June 2020
Meet our advisers
Alistair Young
Independent Financial Adviser (Partner)

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.

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 examination assessed a knowledge and understanding of the UK tax system, the law and practice of trusts, but also an ability to advise individual clients on the tax treatment of their investments and the use of trusts to meet their current and foreseeable future needs.

This examination enhanced general pension knowledge, particularly in pension transfers and opt-out business.

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

This examination assessed a knowledge and understanding of investments and an ability to advise individual clients on the construction of investment portfolios to meet both their current and foreseeable future needs.

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.

About us

Alistair Young & Associates is a friendly family run financial planning practice which offers a range of payment options to suit all clients - the cost of initial consultations are met by us. We specialise in providing expert solutions to clients requiring advice in relation to financial protection, establishing and reviewing pensions and investments, assessing options at retirement, Setting up new mortgages, remortgages, Equity Release and Inheritance Tax planning. We are part of the national IFA firm 2plan wealth management Ltd

Our services

We provide in depth analysis of your current situation, and can provide planning projections for estimates of income in retirement, and help you work to achieving your goals. This could involve protecting your family against death or illness, saving for school fees, saving for retirement, and also how best to structure your pension arrangements when you reach retirement. At this stage, it is also common to advise on strategies to ensure as little Inheritance Tax as possible is paid on death. We can also deal with any mortgage needs whether it be for first time buyers, or remortgaging for a better fixed rate with a different lender, raising capital for home improvements or debt consolidation. Or provide Equity Release advice for those over the age of 55 who may find themselves equity rich yet cash poor.

Where to find us
Head office address: Coburg Wharf, 3 Coburg Street, Leith, Edinburgh, EH6 6ET
Preferred clients
Minimum wealth (income/assets)
£20,000
Minimum pension value
£20,000
Minimum mortgage value
£0
Advice methods
  • phoneButton
    Telephone
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    Face to face
Compliance

Your home may be repossessed if you do not keep up repayments on your mortgage.

Response rating
9.1/10
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FCA authorised
Last authorised 29th June 2020

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