Castlebay Financial Management
At Castlebay Financial Management, we believe great advice is about more than just money, it's about helping you live the life you want, with clarity and confidence. As a team of Chartered Financial Planners, we bring decades of experience, technical excellence and a refreshingly down-to-earth approach to every conversation.
​
Whether you're planning for retirement, navigating an inheritance, growing your wealth or looking out for your family's future, we’re here to provide thoughtful, tailored advice, without the jargon.
Our Approach
Tailored to your life stage, goals, and financial situation.
We offer three levels of service depending on your needs and preferences:
1
Strategic
For those seeking in-depth, ongoing financial planning. Includes full cash flow modelling, annual in-person reviews, ongoing investment advice and access to your adviser at any time.
2
Principal
Focused, streamlined advice with a yearly review, investment monitoring and the option to add support as needed.
3
Transactional
One-off financial advice for clients with a specific need—such as pension guidance, inheritance planning, or lump-sum investing.
Meet Your Team
We’re a team of Chartered Financial Planners with decades of experience, and a genuine commitment to helping you feel more confident with your finances. We combine technical excellence with warmth, integrity and clear, down-to-earth advice.
Who We Work With
Young Professionals
Starting to save, plan and build a financial foundation for the future.
​
Business Owners
Navigating profit extraction, business protection, succession and post-sale planning.
​
Retirees
Looking to turn savings into income, balance lifestyle with legacy and prepare for care or gifting.
​
Public Sector Workers
Understanding complex pension schemes, early retirement and the McCloud remedy.
​
Families & High Net Worth Individuals
Gifting, legacy, inheritance tax and intergenerational planning with sensitivity and structure.
Why Choose Castlebay?
We’re Chartered Financial Planners with decades of experience, offering clear, jargon-free advice that’s tailored to your goals. With transparent fees, a truly independent approach and a commitment to putting clients first, we proudly serve individuals and families across Scotland and the UK.
Ready to take the next step? We're ready to help.
What do our clients think?
"The team at Castlebay made everything so much clearer. They took the time to understand our situation and gave us advice we could actually understand and act on. We feel far more confident about our retirement plans now!"
Private Client, Edinburgh
“I’d been putting off sorting my finances for years, but Castlebay made it feel manageable. Their calm, knowledgeable approach helped me get everything in order—from pensions to protection to tax planning.”
Business Owner, Glasgow
“Fantastic service from start to finish. The advice was tailored, thoughtful, and clearly explained. It’s great to have a team I can trust with such important decisions.”
Young Professional, Aberdeen
News & Insights
