Macmillan Financial Planning Ltd

Independent Financial Adviser  Station House, Evanton, Ross-Shire, IV16 9YP
First meeting at adviser's own cost
We offer a professional and personal financial planning service to clients across the Highlands and Islands. Our emphasis is on helping clients to organise and align their finances to help them live life as they want, with confidence.
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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Building your home
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Buy my next home
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Buy to let
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Buying commercial property
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Buying first home
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Flexible mortgages
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High loan to value
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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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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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Accident & sickness
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Buildings and contents
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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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Payment protection 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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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
9.0/10
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FCA authorised
Last authorised 1st March 2021
Meet our advisers
MR Graeme Macmillan FPFS
Chartered Financial Planner/ Director

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

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.

At the end of this unit, candidates should be able to demonstrate an understanding of: the main legal forms of business and how they are set up and managed; the consequences of bankruptcy or insolvency; business accounts and financial controls; the taxation of each type of business entity, its owners and employees; the main legal responsibilities businesses have to employees, suppliers and customers.

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 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.

Fellowship of the CII is universally regarded as the premier qualification for those working in the insurance industry. This shows a commitment to continuous professional development.

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 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.

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.

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 the unit candidates should be able to understand the use of platforms in providing financial services, the legal regulatory environment in which they operate and the ability to assess the suitability of platforms in meeting client requirements

At the end of this unit candidates should be able to analyse and apply financial information and portfolio management skills

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

Accreditations
Chartered Financial Planner
What our clients say
My wife and I have been clients of Macmillan Financial Planning for nearly ten years. Graeme is an outstanding financial adviser. At the beginning of the relationship, he went out of his way to understand our family context and what our future plans and goals were. Together with a systematic assessement of our attitude to risk, Graeme offered well considered financial advice in regard to pensions, life assurance and investments. The thoroughness of his initial assessment enabled him to make really good financial recommendations, which he took us through in detail, checking at all times that we were happy with what was being recommended. It is certainly true that the advice he gave then met our needs exceptionally well. In particular the investment recommendations which Graeme made have led to a return in line with our expectations.
Prof N Simco, Sutherland
We trust Graeme, he is approachable and good listener and at the same time is professional and considerate. He has strong analytical skills and in depth knowledge which enables him to provide good objective judgement. All of these qualities amount to integrity in a valued service.
R&P Murray, Ross-shire
Graeme has provided structured, considered financial advice and planning services for us over several years now. He has understood our objectives and arranged investments accordingly. Returns have been largely as expected, as have costs. His encouragement to develop estate planning has been a welcome nudge for us to invest the time to develop a well structured plan. Graeme has provided us with timely, sufficient information for us to monitor performance; he is quick to respond to any queries and remains proactive, bringing new ideas for consideration on a regular basis.
Anon, Ross-shire
About us

We are a local business, based in Ross-shire and serving clients across the Highlands and Islands. Graeme Macmillan is a Chartered Financial Planner and Fellow of the Personal Finance Society. Our mission is to provide expert jargon-free advice and ensure all your finances are aligned to achieving your lifetime goals and needs.

Working solely in the interests of our clients, we seek to ensure value for money across investments using evidence-based solutions.

All costs will be discussed at our first meeting which will be free of charge.

Our services

What we do really well... listen to what you want and explore ways to help you achieve it.

Where to find us
Head office address: Station House, Staion Road, Evanton, Evanton, Ross-Shire, IV16 9YP
Preferred clients
Minimum wealth (income/assets)
£100,000
Minimum pension value
£100,000
Minimum mortgage value
£125,000
Advice methods
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    Telephone
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    Online (Live chat, video, email)
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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
9.0/10
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FCA authorised
Last authorised 1st March 2021

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