Our Services

Comprehensive financial services for clients in Angus

What We Do

At Gill Financial Services, we pride ourselves on providing comprehensive financial solutions tailored to meet the unique needs of our clients in Angus and surrounding areas. Whether you are an individual, a family, or a business, we are here to help you achieve your financial goals.

Financial Planning

Personalised financial plans suited to your unique goals and circumstances.

Investment Management

Expertly managed portfolios for returns and risk management.

Retirement Planning

Guidance and strategies to build a secure retirement nest egg.

Financial Protection

Comprehensive coverage to protect your financial well-being.

Estate Planning

Preserving and distributing your wealth according to your wishes.

Mortgage Planning

Buying your first home, re-mortgaging & equity planning

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What Our Customers Say

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Financial Planning

Financial planning helps you understand your financial situation and effectively plan how to plan for the future and meet your longer term goals.

By considering your current circumstances and financial goals, a financial planner’s job is to guide clients in the financial decisions and commitments they should be making to achieve their goals.

What Is Financial Planning

It encompasses many different areas and approaches, depending on each client’s unique circumstances. We can advise you on various aspects of finance, including but not limited to:

Though there is no disputing that there’s more to life than money, we are equally sure that achieving financial milestones for the things that matter requires planning and dedication.

Whether you are considering moving to your dream home, planning a pension that allows you to retire early, providing financial assistance to your children or grandchildren as they make their way in the world, setting up your own business or any number of other reasons, financial planning is all about pinpointing what is important to you and planning your finances to achieve your aspirations.

We believe that good financial planning benefits everyone, no matter their stage of life.

The best time to start is when you have financial goals you want to achieve, and we can help you plan how to make them happen.

Our Wealth Management Process

Investment Planning

Investment planning combines a fine balance of your key financial goals, your attitude to risk, and mitigating your tax liabilities. Our approach to investing varies depending on if you are looking to meet short-term or longer-term goals.

As savings rates generally focus on the shorter term, investments are a valuable alternative to help you save for you and your family’s longer term financial future. Investing offers the potential to achieve higher returns over the long term, giving you a better chance of reaching your financial goals.

If you are looking to grow your money, our independent advisers will make proposals at a level of risk that you are comfortable with. Our advisers will recommend the right products to help meet your future goals and ensure you won’t pay more tax than you should.

Whether you’re looking to grow your finances to pay for your child’s schooling, higher education, or future marriage, fund your retirement, or increase your wealth for future generations, we will look to identify the right investment planning strategy for you.

We use Cash Flow Modelling to help you understand what your pensions can do for you and how you can use them to better your longer term planning needs.

At our first meeting, we would explain the potential options available to you and establish your requirements and provide you with guidance on the most suitable options.

As Independent Financial Advisers, we offer a fee-based service. This fee is dependent on the work carried out on your behalf. The first, no obligation meeting is at our expense and thereafter we will advise on the specific costs of the services we would offer to address your retirement planning requirements.

Pension advice – we’re here to help

Confused about how to plan for your retirement? You’re not alone – everyone approaching retirement has more pension options to choose from than ever before. That’s why people come to Gill Financial for help.

To keep things simple, if you have pension savings in money purchase pensions, such as personal pensions or workplace schemes, our financial advisers can build a personalised retirement plan for you, including advice on whole of market products, such as pensions, annuities, income drawdown and more.

Just so you know, our advisers can recommend whole of market services and the solutions will be tailored to your needs and goals as part of our Holistic Planning service.

We use Cash Flow Modelling to help you understand what your pensions can do for you and how you can use them to better your retirement.

At our first meeting, we would explain the potential options available to you and establish your requirements and provide you with guidance on the most suitable options.

As Independent Financial Advisers, we offer a fee-based service. This fee is dependent on the work carried out on your behalf. The first, no obligation meeting is at our expense and thereafter we will advise on the specific costs of the services we would offer to address your retirement planning requirements.

Financial Protection

For peace of mind against worst-case scenarios, there are different types of protections to meet all needs and circumstances.

Our Mortgage Adviser will help find the protection to suit you current needs and circumstances such as:

As Mortgage & Protection Advisers, we can provide you with details of the most cost effective and competitive products to meet your requirements.

The first meeting is at our expense and typically with insurance contracts the commission payment is paid to the Firm when a policy is arranged. Depending on the arrangements, it is not uncommon that this commission payment is sufficient for the advice and setup of the relevant policy, however we will still offer the ability to pay by fee, if this is preferable. Details of the exact cost would be explained at the initial meeting.

Estate Planning

Estate planning can be a complex task, a well-informed plan can make a big difference in what is left for your loved ones.

Before you begin to take action on your estate plan, it’s important to understand the key topics that may arise as you address your specific needs such as Inheritance Tax Planning.

Inheritance Tax or IHT as it is commonly known is payable on everything you have of value when you die, including: your home, jewellery, savings and investments, works of art, cars, any other properties or land – even if they are overseas.

It is usually payable on death but there are certain circumstances where IHT becomes payable earlier such as when putting assets into certain types of Trusts.

Inheritance Tax Planning can ensure that you are informed about the current level of tax that may be payable on death, taking into account the available allowances, and determine whether you can reduce this further in life by effecting a plan in order that more of your estate passes to your intended beneficiaries.

At our first meeting, we would explain the potential options available to you and establish your requirements and provide you with guidance on the most suitable options such as Wills, Power of Attorney and trusts.

As Independent Financial Advisers, we offer a fee-based service. This fee is dependent on the work carried out on your behalf. The first, no obligation meeting is at our expense and thereafter we will advise on the specific costs of the services we would offer to address your estate planning requirements.

Mortgage Planning

Buying your first home, re-mortgaging to a new deal, investing in property or perhaps just looking to take equity out of your current property,

Our Mortgage Adviser will guide you through the entire process and help you find the best mortgage deal to suit your financial situation and ensure you are getting the most affordable option overall.

At our first meeting, we would explain the potential options available to you and establish your requirements and provide you with guidance on the most suitable options.

As Independent Mortgage Advisers, the first, no obligation meeting is at our expense and thereafter we will advise on the specific costs of the services (if any) we would offer to address your Mortgage planning requirements.