Guthrie Wealth Consultancy Ltd

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Guthrie Wealth Consultancy Ltd

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A pension and investment planning specialist practice.

We provide face to face advice with the aim of building long term, trusted and professional relationships.

03/11/2026

We've reached a 4.9 rating on VouchedFor, and we're genuinely grateful to every client who took the time to leave a review.

It means a lot to hear how people have found working with us. Good financial advice is built on trust and getting to know each person properly, so seeing that reflected in what our clients say is something the whole team at Guthrie Wealth is proud of.

Thank you to everyone who shared their experience.

guthriewealthconsultancy.co.uk

Guthrie Wealth Consultancy Ltd is an Appointed Representative of and represents only St. James's Place Wealth Management Plc (which is authorised and regulated by the Financial Conduct Authority).

SJP Approved 30/10/2026

01/11/2026

From 6 April 2027, most unused pension funds and pension death benefits will count towards your estate for Inheritance Tax purposes.

It’s a significant change, and it’s natural to wonder what it means for you. Should you rethink your retirement plans? Stop paying into your pension? Start drawing from it sooner than you’d planned?

The honest answer is that it depends. Your age, your retirement goals, the size of your pension, your other investments, your family situation and your likely Inheritance Tax position all play a part, so there’s no single right move for everyone.

What we can say is that, for many people, pensions will still be one of the most tax-efficient ways to save for retirement. The bigger risk is reacting too quickly and making a change that ends up costing you more than it saves.

At Guthrie Wealth, we’re helping clients take a considered look at how these changes affect them and their families, so any decisions are made with the full picture in view.

🌐 guthriewealthconsultancy.co.uk

Guthrie Wealth Consultancy Ltd is an Appointed Representative of and represents only St. James's Place Wealth Management Plc (which is authorised and regulated by the Financial Conduct Authority).

SJP Approved 30/10/2026

27/10/2026

Should you overpay your mortgage or invest? With mortgage rates higher than they've been in recent years, paying down the mortgage can look like the obvious choice. On the other hand, paying into a pension can offer valuable tax relief, and for many people, employer contributions on top, both of which can significantly boost the value of every pound saved.

The right answer really depends on your circumstances. Worth asking yourself: what interest rate are you actually paying on your current mortgage deal? Have you made full use of your tax efficient pension allowances? Are you on track to meet your retirement goals?

This isn't simply a choice between reducing debt and building investments. It's about understanding how each option fits into your wider financial plan. A conversation with a financial adviser can help weigh up the numbers and work out which approach is likely to leave you better off over the long term.

At Guthrie Wealth, that decision can be made with confidence.

https://loom.ly/jLoubxw

Guthrie Wealth Consultancy Ltd is an Appointed Representative of and represents only St. James's Place Wealth Management Plc (which is authorised and regulated by the Financial Conduct Authority).

SJP Approved 07/10/2026

24/10/2026

Have you heard other business owners talking about SIPPs and wondered whether one could be right for you?

A Self Invested Personal Pension offers a lot more investment choice than many traditional pension plans. Depending on your circumstances, a SIPP can allow you to invest in shares, unit trusts, gilts, and even commercial property, subject to HMRC rules on what can actually be held and how.

That extra flexibility is what makes a SIPP an attractive option for some business owners and for anyone who wants more control over how their pension is invested. That said, a SIPP isn't the right fit for everyone as you need to be fairly experienced at actively managing the pension and they do tend to have higher costs. The most suitable pension really comes down to your goals, your appetite for investment risk, and how involved you want to be in managing your own retirement savings.

If you've been wondering whether a SIPP could form part of your retirement plans, Guthrie Wealth can help you understand the options and make an informed decision.

https://loom.ly/jLoubxw

Guthrie Wealth Consultancy Ltd is an Appointed Representative of and represents only St. James's Place Wealth Management Plc (which is authorised and regulated by the Financial Conduct Authority).

SJP Approved 07/10/2026

22/10/2026

Booking a meeting with a financial adviser to talk about your pension isn't always an easy step, and that's understandable. A lot of people put it off simply because they're unsure where to start, or worry they'll be expected to already know all the answers.

That's part of why a simple online calculator is available to use in your own time. It lets you explore different scenarios and see how changes to your savings and retirement plans could shape your future, a useful way to start thinking about what's possible before ever having a conversation with an adviser.

The Risk Reality Calculator can be found here: https://loom.ly/Dc8vTjw

Whenever the time feels right, there's support available to answer questions, explain the options and help build a retirement plan that actually works for you.

Guthrie Wealth Consultancy Ltd is an Appointed Representative of and represents only St. James's Place Wealth Management Plc (which is authorised and regulated by the Financial Conduct Authority).

SJP Approved 07/10/2026

15/10/2026

October is a good time for a Q4 financial check-in. As the year draws to a close, it's a natural moment to review your financial plans before the rush of the festive season takes over.

Worth asking yourself a few things: are you still on track to meet your financial goals? Have your circumstances changed at all this year? Are your pension and investment contributions where you'd want them to be? And have there been any changes to tax rules that could affect your plans?

A review now gives you time to make informed decisions before the year is out, rather than leaving everything until the last minute. Financial planning tends to work best when it's revisited regularly, not just when something changes.

If it's been a while since you last spoke to your financial adviser, October is as good a time as any to arrange that conversation.

At Guthrie Wealth, people are helped to stay on track for today and for the years ahead.

https://loom.ly/jLoubxw

Guthrie Wealth Consultancy Ltd is an Appointed Representative of and represents only St. James's Place Wealth Management Plc (which is authorised and regulated by the Financial Conduct Authority).

SJP Approved 07/10/2026

13/10/2026

The families who talk about money today are often better prepared for tomorrow.

A lot of people take the view that they'll sort it out when they're gone. The trouble is, by that point, many of the choices that could have helped reduce an Inheritance Tax bill or made passing on wealth simpler are no longer available.

Talking about finances as a family isn't always easy. Conversations about inheritance, retirement or future wishes can feel uncomfortable, and it's understandable that they often get put off. But having those discussions early gives everyone a clearer sense of what actually matters, and opens up the chance to plan in a more tax efficient way while there's still time to act.

Good planning was never just about reducing tax. It's about making life easier for the people you care about, and helping them avoid unnecessary stress at what's already a difficult time.

At Guthrie Wealth, families are helped to plan with confidence across the generations.

https://loom.ly/jLoubxw

Guthrie Wealth Consultancy Ltd is an Appointed Representative of and represents only St. James's Place Wealth Management Plc (which is authorised and regulated by the Financial Conduct Authority).

SJP Approved 07/10/2026

10/10/2026

This week is National Work Life Week. It's worth asking how often you actually think about the role your finances play in getting that balance right.

A lot of people focus on managing their time, but financial confidence matters just as much. When you've got a clear financial plan in place, you're in a much stronger position to make career decisions with confidence, save consistently for the future, take time off without that background worry creeping in, and plan properly for the retirement you actually want.

Whether you're building a business, progressing in your career, or starting to think about life after work, being in control of your finances tends to give you more choice and a lot more peace of mind along the way.

Guthrie Wealth helps people build a financial plan that supports their goals now and for the years ahead.

https://loom.ly/jLoubxw

Guthrie Wealth Consultancy Ltd is an Appointed Representative of and represents only St. James's Place Wealth Management Plc (which is authorised and regulated by the Financial Conduct Authority).

SJP Approved 07/10/2026

10/10/2026

Today is World Mental Health Day. Looking after your mental wellbeing means looking after every part of your life, and that includes your finances.

Money worries can bring a real sense of uncertainty, whether you're planning for retirement, running a business, or thinking ahead for your family. No financial plan can remove every challenge that comes your way, but having a clear understanding of where you stand tends to bring more confidence to the decisions ahead, not less.

Often it's the small steps that make the biggest difference. Reviewing your pension, setting out clear financial goals, or simply making time to talk things through with someone you trust can all help take the edge off unnecessary stress.

https://loom.ly/jLoubxw

Guthrie Wealth Consultancy Ltd is an Appointed Representative of and represents only St. James's Place Wealth Management Plc (which is authorised and regulated by the Financial Conduct Authority).

SJP Approved 07/10/2026

09/10/2026

As many business owners know, running a business means keeping on top of deadlines just as much as looking after your customers.

If you've recently become self-employed and need to complete a Self Assessment tax return for the first time, that's the deadline to register with HMRC is today.

It's also a useful prompt to start thinking about tax planning now, rather than leaving it until January. Getting ahead of it early means you can get a clearer picture of what your tax bill is likely to look like, set money aside gradually through the year rather than all at once, make the most of the allowances available to you, and avoid the last-minute scramble that tends to come with leaving things too late.

Good financial planning isn't really about adding more to your plate. It's about giving yourself more options and a bit less stress when the deadline actually arrives.

https://loom.ly/jLoubxw

Guthrie Wealth Consultancy Ltd is an Appointed Representative of and represents only St. James's Place Wealth Management Plc (which is authorised and regulated by the Financial Conduct Authority).

SJP Approved 07/10/2026

Address

Millbrook 18 Golf Course Road Bonnyrigg
Edinburgh
EH192EZ

Website

https://www.guthriewealthconsultancy.co.uk/

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