Private Clients
The Central Investment approach is client centred, not product driven, which puts your current objectives, financial goals and future aspirations at the heart of the process.

Our advisers are experienced in all areas of personal financial planning, from saving for retirement to accessing your pension benefits, investing for your future, making provision for your beneficiaries, mitigating Inheritance Tax, and buying your own home. We can assist and guide you on reviewing your existing arrangements and in considering how best to meet your future needs.

Changing circumstances can have an impact on your financial planning, from a new job, buying a home or getting married to raising a family, educating children, preparing for retirement and estate planning.  At every stage, informed and impartial financial advice can help to ensure that you make the right choices.
Our Services
Private client services include but are not limited to:
Personal Financial Planning
With our expertise and access to the widest range of investments, we ensure that you have the right strategy to make your money work hard for you. Central Investment provides access to leading investment solutions and independently researched portfolios that seek to achieve the optimum level of return within targeted risk and volatility parameters.

 
Retirement & Pension Planning
For over 40 years, Central Investment has been advising clients on retirement planning and our specialist advisors have a wealth of experience in this increasingly complex area. We will help you to select the right pension arrangement and advise you on how to grow your pension fund to the level required to deliver your retirement goals.
 
Personal Protection
Preparing for the unexpected is key to ensuring financial security. Central Investment has been advising clients on personal protection plans, including Life Assurance, Income Protection and Critical Illness, for decades. We can guide you to the right type and level of cover to meet your needs, ensuring that you have the peace of mind to get on and enjoy life.
 
Inheritance Tax Planning
Planning ahead financially for when you die allows you to set out clearly who should get what from your estate. It also means you can maximise Inheritance Tax reliefs and exemptions, and with proper inheritance tax advice and planning, it is possible to minimise the inheritance tax you pay to the Treasury whilst maximising the value of your estate passing to your beneficiaries. 

 
House Purchase
Buying a property is perhaps the largest financial commitment most of us will ever make. Central Investment has been advising clients on mortgage selection for many years and we can provide totally impartial advice on all the mortgage options open to you.

Your home or other property may be repossessed if you do not keep up repayments on your mortgage.

 
Long Term Care
Planning for Long Term Care can be a complex and sometimes sensitive issue. Central Investment can advise on the best ways to make your money work for you, whilst at the same time protecting your assets, creating peace of mind that your long term welfare needs are being addressed.

 
School & University Fees Planning
Central Investment can provide advice on a wide range of tax efficient savings and investment vehicles, suitable for funding school fees and meeting further education costs. Our advisors also give guidance on a range of life assurance, critical illness and income protection policies, which provide cover to meet these costs in the event of the severe illness or death of a parent.
 
Trustee Advisory Service
Central Investment offers a complete Trustee Advisory Service, including Trust management strategies, advice in achieving tax efficiencies for Trustees and/or beneficiaries and regular reviews to ensure that the Trust objectives remains on track. Our experienced advisors ensure that Trustees are running their Trusts in compliance with the relevant legislation and their own specific Trust Deed.
 
Our Process
Central Investment is Authorised and Regulated by the Financial Conduct Authority (FCA) No: 114793.
👥
Meet with you
🔎
Analyze your requirements
Deliver solutions
Private Clients
💬
Case studies
SCENARIO

Elaine age 60 is married with two financially independent children. She has decided to retire from her main employment in two months and move into a part-time job that will provide enough income to meet her needs for the next five years, fully retiring after that time. Elaine has a pension scheme from her employer worth £98,000 and a personal pension of £206,000. She has a low to medium attitude to risk and a low capacity for loss. 

CLIENT OBJECTIVES 

Elaine wants to secure her future income and provide an inheritance for her children. She would like to access her tax-free lump sum to extend her house. 
Central Investment Services (Scotland) Ltd is Authorised and Regulated by the Financial Contact Authority. Registered in Scotland No SCO54118. Registered Address: 9-13 Albert Street, Aberdeen AB25 1XX

We are entered on the Financial Conduct Authority Register No 114793 at https://register.fca.org.uk  The Financial Conduct Authority does not regulate taxation and trust advice and some aspects of employee benefits.

Terms & Conditions | Privacy Policy

 
📞 +44 (0) 1224 657000