Paul Heneghan CFP FPFS Certs CII (MP & ER)

STERLING WEALTH MANAGEMENT

  07487 797 133

  0141 266 0116

I am one of the highest qualified financial advisers in the UK. I hold the industry leading Chartered Financial Planner (CFP designation) and I am also honoured to hold the FPFS (Fellow of The Personal Finance Society), the most prestigious title in UK Financial Planning and the highest designation awarded by the PFS. I also hold the Society of Later Life Advisers Accreditation (SOLLA) which means that I specialise in dealing with retirement and later life planning…

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  Areas of expertise:

Savings & Investment Planning

Retirement Planning

Retirement Income

Inheritance Planning

Later Life Planning

The Partner Practice is an Appointed Representative of and represents only St. James’s Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority) for the purpose of advising solely on the group’s wealth management products and services, more details of which are set out on the group’s website www.sjp.co.uk/products. The ‘St. James’s Place Partnership’ and the titles ‘Partner’ and ‘Partner Practice’ are marketing terms used to describe St. James’s Place representatives.

Julian Parrott BA (Hons) DipPFS CeMAP

ETHICAL FUTURES

  0131 557 6677

Established in 2005, Ethical Futures llp are independent financial advisers based in Edinburgh. At Ethical Futures, we believe that your money can help change your world therefore, we offer investments and financial products that are in line with your own ethical standpoint…

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  Areas of expertise:

Ethical Investments

Full Financial Planning

Retirement Planning

Family Protection

 

The value of investments may go down as well as up and is not guaranteed; therefore investors may not get back the amount originally invested. Ethical Futures LLP is a limited liability partnership registered in Scotland no: S0300638 and is authorised and regulated by the Financial Conduct Authority.

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    01904 215 013

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   Who needs financial advice in Aberdeen?

Aberdeen has an interesting demographic profile. Its population is somewhat older than the national average and a substantial proportion were actually born outside of Scotland. Most of the houses in Aberdeen are privately owned by there is a sizeable proportion that are rented from the council. Interestingly, according to Wikipedia, a postcode in Aberdeen has the second highest number of millionaires of any postcode in the UK. With its older population, people searching for financial advisors in Aberdeen are more likely to be interested in retirement and pension planning, particularly older and newer settlers in the area who may have a number of different pension schemes from previous employment. Others will be looking for mortgage advice to get onto the housing ladder.