Cailean Ltd

Independent Financial Adviser  15-16 Queen Street, Edinburgh, EH2 1JE
First meeting at adviser's own cost
We provide a financial planning service tailored to your needs to aim to help you understand where you are financially.
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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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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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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Healthcare
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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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Corporate pension
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Employee benefits
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Group Pension/Stakeholder
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Group Protection/Life Insurance
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Group critical illness
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Group income protection
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Group life insurance
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Group private medical insurance
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Group risk
Response rating
7.0/10
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FCA authorised
Last authorised 26th October 2020
Meet our advisers
Kathryn Tomlinson DipPFS
Independent Financial Adviser

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 qualification helps advisers develop and demonstrate their financial planning capabilities. 

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

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.

Colin McGugan
Independent Financial Adviser

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

The Diploma enhances knowledge in core areas such as regulation, investment principles, risk, taxation and personal financial planning using real-life scenarios to develop the essential skills to apply this technical knowledge in practice

To achieve the CertPFS (DM) and individual needs to pass 2 diploma units in Regulation and ethics and Discretionary Investment Management

What our clients say
I was retiring. Consolidated all my various pension plans I have had over the years. All my pension funds are now accumulated in one policy from which I am now drawing a monthly amount. What could they have done better? Not a lot.
Malcolm, Edinburgh
Kathryn was very helpful, clear and professional. I would highly recommend her to anyone looking for a helpful and effective IFA.
Alex, Edinburgh
Both my wife and I were very happy with the service we received. Kathryn was very through in getting to know what our needs were and recommended products that matched them exactly. Kathryn was very patient with us in explaining things that were not clear to us in a simple easy to understand manor via phone conversations and numerous home visits. What could your adviser do better? None that I can think of.
Kish, Edinburgh
Kathryn was incredibly patient in spending considerable time establishing our financial advisory needs and providing clear explanation. We had a number of financial areas to cover which were broken down based on our immediate priorities so we spent several months organising more competent systems. She took over all aspects of provider liaison and kept us well informed throughout the transfer process.
Debbie, Edinburgh
Kathryn has provided excellent advice on both pensions and Insurance matters to IDS LTD and NXVision LTD. During my period of working with Kathryn I have always found her very efficient and knowledgeable. A pleasure to consult with.
Tony, Fife
Kathryn has worked hard to understand our business needs and to provide good value solutions. She has provided an excellent service over a sustained period.
Janine, London
Kathryn is a knowledgeable and personable advisor, whom staff within the Company can approach directly with any queries.
Gail, Edinburgh
Kathryn's depth of knowledge in her field shows in her ability to advise and execute the best employee benefits packages. Her attention to detail and the efficiencient implentation of her recommendations is a testament to this. Above all though, her personable, down to earth and professional manner ensures that she is able to communicate all all levels of management and employees alike. I would highly recommend Kathryn.
Shahida Imani, Edinburgh
Kathryn's strength is her ability to listen and to really understand what the customer needs. What could your adviser do better? Nothing really the problem lies with me and my struggle to understand money.
Diane, Avon
I had 'mountains' of paperwork that I thought was in some logical order. It certainly wasn't! I knew I had to tackle this and stop putting it off. Kathryn was so easy, pleasant and patient explaining to me so many things I now realise I didn't ever understand. The meetings were conducted in a Professional manner but she had the ability of putting me very much at ease. What I also admired was Kathryn's immediate and honest response to any Query I had and keeping me fully up to date at all times. Confident with my Financial situation now and because things have been condensed constructively I feel a sigh of relief at last. What could they have done better? Happy with everything.
Julie, Edinburgh
Early retirement. Provided advice on the Chancellor's planned changes for people accessing personal pensions. Kathryn looked at our various savings accounts, current situation and future plans: she then rationalised and transferred our portfolios to funds which would support our planned future lifestyle. It is still early days for our investments, however the initial signs are promising. We also appreciate the flexibility that we have regarding access to our funds. What could they have done better? No suggestions to make here. We were very happy with Kathryn's professional approach.
Alexander, Aberdeen
The need to protect savings against inflation. Estate and asset planning in order to provide income for my wife should I predecease her and/or to provide us with additional income should we need it. She suggested a number of ideas which she felt were most suitable for us based on out risk profile and then tailored the products to our needs. We agreed to her suggestions and accepted them. The outcome met our requirements. What could they have done better? Nothing really. We had everything explained to us in a way that we could clearly understand.
Eric, Edinburgh
Kathryn undertook a pension review on my behalf. She recommended an excellent product and provided me with very clear documentation and comparisons with my existing fund. The transfer proceeded smoothly and quickly, and everything has been set up as required within a single month of my accepting the proposal. I have had several face to face meetings with Kathryn as well as email and telephone contact, which I have found very valuable.
Hannah, Edinburgh
Kathryn Tomlinson was recommended to us through a family member. My wife and I had been talking about receiving financial advice on our funds for some while, we had looked at savings accounts in the banks and building societies but the rates that they were offering were none too great. We contacted Kathryn and gave her a heads up on our situation. We then arranged a meeting which took place in our home. Kathryn immediately gave us an impression of being a total professional and a close bond built up between us. Through our conversations Kathryn knew what we were wanting financially, and was able to, not only, recommend a product for us to invest in, but, look at the bigger picture of how we manage our finances. All in, Kathryn has been fantastic and made us feel very comfortable during the whole process, I would not hesitate to ask Kathryn for more advice and would recommend her services wholeheartedly.
Gary and Maureen Barclay, Kirkcaldy
Kathryn has been hugely supportive as our business has grown. She is on hand and ready to take the time to help new staff members understand their benefits in as much detail as they need. She also has a great way of simplifying things which could be overly complex. A great support to us and very much recommended.
Shane Corstorphine, Skyscanner Edinburgh
About us

We enjoy helping clients with the various different types of financial planning required at their various life stages. This can be from ensuring adequate protection for the family, investment of capital, planning for retirement and helping with the transition when no longer working and needing to use investments that have been built for income.

We understand how important it is to make the most of your money.

Our services

We believe great financial advice is at the core of building a more certain financial future for our clients. We aim to provide peace of mind that your financial future is more secure as a result of working with us and achieve this by using our expertise to look at your finances to see where real benefits can be made, from the smallest increase in investment return to the largest possible saving.

Where to find us
Head office address: 15-16 Queen Street, Edinburgh, EH2 1JE
Preferred clients
Minimum wealth (income/assets)
£0
Minimum pension value
£0
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 26th October 2020

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