Astute Financial Planners Ltd

Independent Financial Adviser  Forth House, Linlithgow, West lothian, EH49 7RH
First meeting at adviser's own cost
We are all well aware of the current challenges presented by COVID-19 however, please let us re-assure you that we are very experienced in remote working and can still provide you with a form of face to face contact with technology such as Microsoft Teams, Skype or Face-time for example. We aim to provide our clients with a comprehensive financial plan addressing all the necessary areas including family protection, income protection, retirement forecasting, savings/investments & Inheritance Tax Planning.
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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Wealth management
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ISA / Unit Trusts / OEICs
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Investing for income
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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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Small business
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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
Response rating
9.0/10
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FCA authorised
Last authorised 3rd August 2020
Meet our advisers
Paul McCabe
Director & Chartered Financial Planner

This qualification assesses a knowledge and understanding of an ability to analyse financial protection planning issues.

This qualification assesses a knowledge and understanding of the UK taxation system, and the ability to analyse the taxation treatment of individuals and trusts during 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.

To achieve the Associateship grade, individuals would be required to have 6 AFPC (Diploma) units or equivalent. This shows a commitment to continuous professional development.

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

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

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

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

Accreditations
Chartered Financial Planner
What our clients say
I decided to use Paul for a pension transfer transaction as my own father had a long standing relationship with McHardy Financial. Apart from perhaps taking out a mortgage this was the biggest financial transaction I had undertaken which can be daunting in itself. On our first meeting I was instantly put at ease by Paul’s friendly and reassuring manner. I had completed some pre-work in advance of the meeting but Paul also came with lots of information of his own and was very questioning of me trying to get to the heart of the reason for me wanting to do this particular transaction. Throughout the process I was kept fully up to date and at various points was provided with written confirmation of our discussions in writing that were very detailed. I am happy to recommend Paul to anyone looking for a detail focused and customer friendly financial planner.
Andrew, Lothians
Paul has been great at tailoring his advice to my particular needs and circumstances. He's very well informed about current market conditions and events, so able to make suitable recommendations based on my risk profile. Paul is very personable and enthusiastic and has taken the time to get to know me and understand my future plans and aspirations. I would have no hesitation in recommending Paul to my family, friends or colleagues.
Rachel, Lothians
Paul was highly professional, detail oriented, an excellent communicator and did the business for me in terms of offering advice absolutely appropriate to my situation.
Ginnie, Lothians
Paul was originally introduced to me when he was working with my husband to advise him on possible options to fund his early retirement . Paul’s advice was first class and he quickly became a trusted adviser to us a couple. He is always highly professional , follows up on his actions and at it is clear he has the client’s best interest at heart in any course of action . It’s been enlightening to work with Paul and he has brought our full financial picture together to give us confidence about our future and any decisions we now make are being made from an informed position. He makes great use of all the tools available to him to present a user friendly view of our financial position. There have been a few occasions when my circumstances have changed where Paul could have taken the opportunity to recommend a course of action that would have generated income for him, instead he recommended the simplest and most cost effective route for me and I avoided charges as a result. Paul has a great manner and is always relaxed and friendly - a financial review with Paul always feels like a cup of coffee with a friend.
Susan, Lothians
I contacted Paul in October 2019 after a friend's recommendation. I wanted to discuss my retirement options. After an initial chat followed up by a face to face meeting Paul provided a comprehensive report including cashflow modelling that clearly showed what I could expect as an income during my retirement. Paul also outlined any advisory fess that would be payable. Paul provided sound advice on what I should do with final salary pension schemes I had and the best options for a money purchase pension scheme that I also had. I now have in place a retirement plan that I am happy with thanks to Paul's hard work. I have no hesitation in recommending Paul McCabe for retirement planning.
Keith, Lothians
Paul has managed various company pension transfers and mergers for me including providing advice and assistance with life insurance, retirement strategies& planning, fund and investment profile risk management and providing in depth ongoing market trend analysis. He is highly skilled and efficient, has a well polished professional yet relaxed, friendly manner, plus the way he condenses and explains complex financial detail is exceptional. I would recommend him over and above other options future clients may have. Thanks Paul! Uniquely excellent!
Alyssun, Lothians
About us

Our relationship with clients begins with a detailed analysis of their situation. This includes a review of existing client circumstances, and the identification of financial aims and objectives. Put simply: a full financial health check so that we don’t miss a single opportunity to help today and build a comfortable, safeguarded tomorrow

Our services

Once those financial aims and objectives are identified, we offer clear solutions to help you achieve them. Central to our ethos is the idea of Lifestyle Financial Planning, also known as Cashflow Modelling. This enables the creation of a precise, visual blueprint that identifies current financial gaps that could impinge upon your achieving those financial aims and objectives.

Where to find us
Head office address: Forth House, 28 Rutland Square, EDINBURGH, City of Edinburgh, EH1 2BW
Preferred clients
Minimum wealth (income/assets)
£50,000
Minimum pension value
£100,000
Minimum mortgage value
£0
Special offers
Choose an Unbiased exclusive special offer:
Advice methods
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    Telephone
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    Online (Live chat, video, email)
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    Face to face
Response rating
9.0/10
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FCA authorised
Last authorised 3rd August 2020

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