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Astute Financial Planners Ltd logo
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Astute Financial Planners Ltd

Rutland Square, Edinburgh EH1 2BW, UK

(6)

Get a free quote from this professional

19 min response time

Get a free quote from this professional

About

Astute Financial seek to combine industry experience with a fresh energetic approach to financial advice.
We are a company rooted in knowledge, expertise and a commitment to giving quality, trusted financial advice.

We offer private wealth management, assistance to corporate clients and everything else in- between.

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1 hire on Bark
19 min response time

Reviews (6)

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5/5

6 customer reviews

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3 February 2021

Paul’s approach and professionalism I believe is key to why we entrusted him with our family insurances. He showed clearly where we “overinsured” and used the money creating a better balance of cover. We pay a competitive price for Paul’s services I don’t want cheap and I don’t want to pay over the odds what we have is someone who we trust and has demonstrated value, professionalism and easy to deal with. I have recommended his services to family and friends so that tells me everything. More...

3 February 2021

There are now so many options when it comes to insurance that we have been reluctant to commit to starting a new policy, mainly due to indecision. Paul has helped add clarity to our family’s options and given us confidence to select the right protection for our evolving needs.

I have found Paul to be professional, reassuring and candid. We feel very comfortable relying on his knowledge and experience. The informational aids supplied have also been useful in helping with decision making.

I look forward to contacting Astute in future when our needs change again.

Thanks Paul.
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29 January 2021

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.
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29 January 2021

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.
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29 January 2021

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! More...

19 November 2020

I've always received trusted advice from Paul with a great level of service

Q&As

Genuinely changing people's financial lives is always a thrill and once we educate clients that the my role is not to sell them products or portfolios it is very satisfying when my clients and I are working in partnership to achieve what they want with their money.

My career allowed me to work for different kinds of organisations from large global life offices to smaller IFA firms and this experience allowed me to paint a picture of what a great financial planning firm would look like and I simply wanted to put this picture into action and build a firm that was centred around the client and change their financial lives.

I don't think you can underestimate the value of experience and qualifications and with over 20 years experience and being a Chartered Financial Planner, I believe I tick both of these boxes. Perhaps more important than qualifications and experience I personalise every client recommendation as there is no such thing as a one size fits all approach. I have always believed that when talking about finances a picture paints a 1000 words so we make cash flow modelling software at the heart of our process to ensure that clients have clear explanations of their current situation and my recommendations.

Absolutely, we have implemented Microsoft Teams and have the ability to conduct very productive meetings together.

Services

Analysing your needs and recommending suitable protection cover, life and critical illness, for example.

Have you considered how you would replace your employment income if indeed you had an illness and injury and were unable to generate income. We will talk you through all of the features and benefits and tailor a plan to your needs

Are you making use of the annual allowances available to you and are your current savings and investments as tax efficient as they should be?

Do you have a plan to replace your income as a result of retirement, if not let us build you a retirement plan or review the efficiency of the current one.

Are you projected to have an inheritance tax bill, if so, let us review your situation and come up with a legitimate plan to mitigate this.

Do you know your number that would let you retire tomorrow, do you still have life goals that you would like to achieve, are you still wanting to purchase that holiday home but doing those calculations in your head is difficult isn't it! Let us show you sophisticated cash flow modelling to get a handle on both your short and long term finances and let's plan to reach your goals now as life is not a rehearsal.

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