Calendar An icon of a desk calendar. Cancel An icon of a circle with a diagonal line across. Caret An icon of a block arrow pointing to the right. Email An icon of a paper envelope. Facebook An icon of the Facebook "f" mark. Google An icon of the Google "G" mark. Linked In An icon of the Linked In "in" mark. Logout An icon representing logout. Profile An icon that resembles human head and shoulders. Telephone An icon of a traditional telephone receiver. Tick An icon of a tick mark. Is Public An icon of a human eye and eyelashes. Is Not Public An icon of a human eye and eyelashes with a diagonal line through it. Pause Icon A two-lined pause icon for stopping interactions. Quote Mark A opening quote mark. Quote Mark A closing quote mark. Arrow An icon of an arrow. Folder An icon of a paper folder. Breaking An icon of an exclamation mark on a circular background. Camera An icon of a digital camera. Caret An icon of a caret arrow. Clock An icon of a clock face. Close An icon of the an X shape. Close Icon An icon used to represent where to interact to collapse or dismiss a component Comment An icon of a speech bubble. Comments An icon of a speech bubble, denoting user comments. Ellipsis An icon of 3 horizontal dots. Envelope An icon of a paper envelope. Facebook An icon of a facebook f logo. Camera An icon of a digital camera. Home An icon of a house. Instagram An icon of the Instagram logo. LinkedIn An icon of the LinkedIn logo. Magnifying Glass An icon of a magnifying glass. Search Icon A magnifying glass icon that is used to represent the function of searching. Menu An icon of 3 horizontal lines. Hamburger Menu Icon An icon used to represent a collapsed menu. Next An icon of an arrow pointing to the right. Notice An explanation mark centred inside a circle. Previous An icon of an arrow pointing to the left. Rating An icon of a star. Tag An icon of a tag. Twitter An icon of the Twitter logo. Video Camera An icon of a video camera shape. Speech Bubble Icon A icon displaying a speech bubble WhatsApp An icon of the WhatsApp logo. Information An icon of an information logo. Plus A mathematical 'plus' symbol. Duration An icon indicating Time. Success Tick An icon of a green tick. Success Tick Timeout An icon of a greyed out success tick. Loading Spinner An icon of a loading spinner.

Finding stability amid uncertainty

FACE TO FACE: If you want to take things a step further why not arrange a meeting with David Barclay at our Aberdeen office for a chat?
FACE TO FACE: If you want to take things a step further why not arrange a meeting with David Barclay at our Aberdeen office for a chat?

These may seem like uncertain times for your finances.

While your investments may have done well last year, stock markets have become choppier in 2018.

Concerns about the heights that some shares have risen to, as well as international trade tensions, have created an uneasy environment for investors.

House prices may be buoyant in Scotland, but the UK property market has generally been slowing.

Meanwhile, interest rates are on the way up – good for savers but not so good for borrowers, and potentially bad news for shares.

Of course, this is also a time of enormous political uncertainty – in the UK and internationally. The Brexit negotiations rumble on, and have already undermined business and consumer confidence.

A relatively weak UK economy and pressured public finances mean more tax rises could be on the way.

Your family may be one of those worried about inheritance tax (IHT). Britons paid a record £5.2 billion in IHT last year [2017-18]1 – and that’s despite the benefit of a new tax-free allowance on family homes.

Pensions are another area of widespread anxiety. Many people fear they are not saving enough for retirement. And for those in retirement, ensuring pension savings last until death can be a challenge.

How Brewin Dolphin can help

As one of Scotland’s largest wealth managers, Brewin Dolphin can help you build an effective financial plan that will reduce uncertainty now and in years to come.

We can put in place a strategy to grow and manage your wealth over the long term, allowing you to face the future with confidence, knowing that your finances are in order.

Brewin Dolphin’s roots go back to 1841 in Scotland, and we have well-established offices in Aberdeen, Glasgow, Edinburgh and Dundee.

Award-winning and independent of any bank or fund manager, we are also a FTSE 350 company on the London Stock Exchange.

We pride ourselves on building long-term relationships with clients, helping with their wealth management needs through their lives.

Whether saving for retirement, cashing your pensions, protecting your family, or passing on wealth tax-efficiently, we can help you manage these and other financial challenges.

We’ll help you clarify your objectives, navigate the tax and other complexities, and develop a tailor-made plan.

Our bespoke advice can provide answers to questions such as:

Am I getting the most from investment and other tax reliefs?

Is my pension on track to deliver – and should I be saving more?

Am I at risk of breaching the “lifetime allowance” for pension savings, so triggering a tax charge? And what can I do about it?

What is the best way to pass on wealth to the next generation? Can I afford to do it now?

We understand that many people are confused by the wide range of financial products, choices and insured products that are out there. We’ll find what is right for you.

Crucially, we will invest the time to understand your hopes for the future along with your changing needs and commitments. With Brewin Dolphin, what we offer is an enduring relationship – stability and the reassurance of personalised, long-term financial planning.

Next steps

Please contact David Barclay in our Aberdeen office on 01224 267 900 to discuss your needs and to arrange a no-cost initial meeting or visit our website to find out more about our team across Scotland.

The value of investments can fall and you may get back less than you invested.

No investment is suitable in all cases and if you have any doubts as to an investment’s suitability then you should contact us.

The information contained in this document is believed to be reliable and accurate, but without further investigation cannot be warranted as to accuracy or completeness.

Brewin Dolphin Limited is a member of the London Stock Exchange, and is authorised and regulated by the Financial Conduct Authority.

Recommended for you

More from Energy Voice

Latest Posts