Our Services
At Scottish Financial, we offer the full range of independent financial advice services. These include a full review of existing financial planning arrangements, which we can take over servicing if required.
We will review all protection arrangements, including life assurance, critical illness and income protection, tax efficiency, including inheritance tax mitigation where appropriate, retirement and estate planning .
Business protection is another important area, particularly relating to partnership and director protection and succession planning.
We also arrange both personal mortgages and business finance, and the full range of general insurance for the home and business, including private and commercial motor insurance.
We also have a website dedicated to providing online price comparisons
including Term Assurance, Mortgage Protection, Family Income Benefit, and
Whole Life Assurance, for life and critical illness cover.
See coverplease.co.uk for
further details. Our investment website retirementisa.co.uk considers the suitability of Pensions and Individual Savings Accounts as investments for saving for retirement and providing income in retirement.
It is vitally important that those of us with financial responsibilities and obligations, plan ahead to take care of the people relying on us for support, should we become ill, or not survive to see through our plans. This will necessitate consideration of life assurance, both long and short term, critical illness and income protection, and consideration of trusts. 
For a number of years, long term interest rates have been lower than they were previously, and this must be considered in the light of the very much lower levels of inflation we have had. A good basis of bank and building society accounts, together with National Savings, will provide a secure income in the form of interest, although if the interest is used, in real terms the capital will be eroded by inflation.
varied term, usually referring to stock market related holdings and property. Both of these classes of investment have proved to be profitable in some time scales, but both have shown vulnerability when the stock market and the property market conditions have been unfavourable. Diversification can be vital in dealing with these risks. 
We have been involved in personal and business insurances for many years and can provide the full range of covers, house buildings and contents, private car and commmercial vehicle, business premises insurance, public liability and employers liability, with various packages for different trades, as well as travel cover and private medical insurance where required.