57 North Financial Planning

Home
United Kingdom
Inverness, Scotland
57 North Financial Planning

Call Directions Website Contact the business

Helping you navigate your financial future Here are some things they've said about us:

⭐ "I would highly recommend 57 North.

Based on the line of latitude 57°N, we are an independent financial planning agency, working with clients across Scotland.

𝐓𝐫𝐮𝐬𝐭𝐞𝐝, 𝐜𝐥𝐢𝐞𝐧𝐭-𝐟𝐨𝐜𝐮𝐬𝐞𝐝 𝐟𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐩𝐥𝐚𝐧𝐧𝐢𝐧𝐠

We aren't just here to look after your money. We want to help you navigate through life's journey, accompany you and guide you to ensure your ambitions for long-term wellbeing and success are met.

𝐀𝐛𝐨𝐮𝐭 𝐲𝐨𝐮

Whatever stage of life you’re at, you’ll get support from qualified advisers who are truly invested in your financial goals.

🤝 Actively retired
🤝 Business owners
🤝 Approaching retirement
🤝 Professional connections

𝐖𝐡𝐚𝐭 𝐨𝐮𝐫 𝐜𝐥𝐢𝐞𝐧𝐭𝐬 𝐬𝐚𝐲

With a rating of 4.7 out of 5 stars on VouchedFor, we'd say our clients are pretty happy. I appreciate so much your liaising with other professionals such as lawyers and accountants on my behalf I couldn’t have managed without your whole team."

⭐ "Expertise in financial management, a proven record of success, professionalism and trustworthiness."

⭐ "Very easy to speak to and fairly simplistic and straightforward approach to financial planning. We have already recommended you to several friends."

𝐆𝐞𝐭 𝐢𝐧 𝐭𝐨𝐮𝐜𝐡

Whatever financial issues you face, our friendly team will give you the guidance and reassurance you need and point you in the right direction.

📍 The Green House, Beechwood Business Park, Inverness, IV2 3BL

📧 [email protected]

📞 01463 211311

06/11/2026

The test of an investment recommendation isn’t what’s being recommended. It’s whether you heard the drawbacks before you agreed to it.

Every option has them. Discretionary management takes the day-to-day decisions off your plate which also means you won’t be consulted on each one. That suits a lot of people. It doesn’t suit everyone.

A more hands-on approach keeps you closer to what’s happening, and asks more of your time and attention in return.

Neither is a mistake. They’re different trades, and the right one depends on how involved you actually want to be, rather than how involved you think you ought to be.

What independence changes is where the recommendation comes from. We’re not fitting you into a single way of working, so we can set out both routes properly including the parts that count against the one we think suits you best.

That’s what explaining it clearly is for. Not to make the decision sound simple, but so you’re confident and informed when you make it.

05/11/2026

“Should someone else be making the day-to-day decisions on my investments?”

It gets asked as a technical question. It isn’t one. It’s a question about how you want to spend your time.

Some people genuinely enjoy it, following markets, weighing things up, staying close to the detail. Handing that over would take away something they value. Others would rather not think about it at all, and every hour spent on it is an hour taken from something that matters more to them.

Both are reasonable positions. Neither is the clever choice.

The difficulty is that the question often gets answered before it’s asked. Where a firm only works one way, that’s the route on offer, whatever the client’s preference.

Being independent means we don’t start from an answer. If discretionary management suits you, we’ll go through the pros and cons properly, what you give up as well as what you gain. If a simpler, more hands-on approach fits better, we’ll support that.

Either way we’re after the same thing: that you understand what’s happening with your money and feel in control of it. Feeling overwhelmed isn’t a sign of a sophisticated arrangement. It’s usually a sign something hasn’t been explained well enough.

30/10/2026

A retirement income plan should start with your life, not your portfolio.

It often runs the other way round. A figure gets settled on because it looks about right, or because it’s roughly what the pot seems able to stand, and everything else gets arranged around that number.

When that happens, the portfolio is left carrying a decision it was never set up to carry. The withdrawals go out regardless of what the markets are doing or which part of the portfolio they’re coming from.

Start from the other end and it changes. Work out what the money is actually for, then let the plan decide how it’s drawn: income in some years, capital in others, a mix in most.

Same money leaving the account. A very different amount of strain on what’s left behind.

Drawing money in retirement doesn’t have to be complicated. But the order matters. Life first, then the plan, then the withdrawals.

29/10/2026

Two people can draw the same income in retirement and end up in very different positions.

The amount you take is only half the question. The other half is where it comes from.

There are two routes. Income withdrawals: dividends, interest, rental income. And capital withdrawals, where you sell part of your investments to release the cash.

For tax, those two are treated differently. For risk, they behave differently as well.

That second point gets less attention than it deserves. Once you’re selling investments to fund your spending, the timing of those sales starts to matter, and the years when markets are down are the years it matters most.

Which is why the answer is rarely one or the other. Sometimes income on its own is enough. Sometimes capital withdrawals make more sense. Often a blend of the two gives the steadier result.

Drawing money in retirement doesn’t have to be complicated. It does need to be thought through.

If you don’t know which of the two your retirement income is currently coming from, that’s a conversation worth having.

23/10/2026

Most parents answer the “how much can we help the children?” question by instinct. It’s an honest way to answer it. It just isn’t a planned one.

And an answer reached that way never really settles. It gets revisited every time the subject comes up, because nothing underneath it has been established.

The way out is unglamorous: you cost your own future first. What income you need. What your life actually takes to run. How much security has to be in place before you’d feel comfortable.

That’s the harder half of the work, and it’s the half that tends to get skipped, it feels like the selfish half, when it’s really the groundwork for everything else.

Once it’s settled, what can safely be passed on becomes a calculation rather than a worry. Often there’s more room than people expected. Either way, it’s known.

Helping your children should feel good. That’s difficult while the sums are still happening in your head at two in the morning.

22/10/2026

What does the Autumn Budget mean for your financial plans?

It’s a useful question, and one that deserves a clear answer.

Following the Budget, we’re going to bring together the key announcements in one straightforward summary, helping you understand:

- What has been announced.
- When any changes are due to take effect.
- What they could mean for your financial plans.
- Whether you’re approaching retirement, already enjoying it or running a business, our aim is to give you a useful overview you can read in your own time and return to when questions arise.

We’ll focus on the confirmed announcements, explain them in plain English and highlight the points you may want to discuss with your financial planner.

To be among the first to receive our post-Budget summary, leave your email address via the link in the comments. We’ll send it straight to your inbox when it’s ready.

22/10/2026

Most parents ask how much they can afford to give their children. It’s a fair question - it’s just the wrong one to start with.

Until you know what your own future costs, any number you land on is a guess. And when people are guessing, they guess low. Caution feels like safety, so the answer quietly becomes “not yet”, or “maybe a bit less than that”.

So we work the other way round. Income first. Lifestyle first. The level of security you need to feel genuinely comfortable not a theoretical figure, yours.

Only once that’s clear do we look at what can safely be passed on.

What often surprises people is the direction it moves in. Once they can see the whole picture, they find they can help more than they thought, not less. Nothing about the money has changed. They can just finally see it properly.

Helping your children shouldn’t be a risk you carry around quietly in the background. With a plan behind it, it’s simply a decision you’ve made on purpose.

19/10/2026

Nobody builds a good portfolio by knowing what happens next.

The timing, cause and depth of the next downturn are unknowable. So the job isn’t forecasting it - it’s making sure that when it arrives, it doesn’t have the power to change where you end up.

That’s a different design brief, and it shows in the detail.

It means starting with your goals and your capacity for risk, so the portfolio is built around you rather than around a view of the market.

It means spreading investments widely, across different regions and asset types, so no single event has the power to derail your entire plan.

And it means relying on quality, long-term evidence - strategies that have been tested through the good times and the bad.

Volatility is normal, even healthy. It can’t be designed out. Trying to is how people end up with a plan that needs everything to go right.

Far better to hold one that doesn’t.

16/10/2026

A falling market rarely does the lasting damage. The decision made halfway down usually does.

Volatility is normal - healthy, even. It just doesn’t feel that way while it’s happening. That gap between what’s normal and what’s comfortable is where plans tend to come undone.

So we build portfolios with that gap in mind.

It starts with understanding your goals and your capacity for risk. Then investments are spread widely, across different regions and asset types, so no single event has the power to derail your entire plan. And we focus on quality, long-term evidence - strategies that have been tested through the good times and the bad.

None of that makes volatility go away. Nothing does.

What it does is make the ups and downs survivable, so you’re not pushed into a decision at the worst possible moment and you don’t lose sight of the bigger picture when the short term gets noisy.

A portfolio that can ride it out is half the job. A plan you can stay confident in is the other half.

15/10/2026

A change of scenery for the 57 North team last week! 🎥

We spent some time in front of the cameras with the team from Plannex, talking all things financial planning and sharing some of the knowledge and experience that goes into the work we do every day.

We're looking forward to sharing these conversations with you over the coming months, helping to make financial planning a little more accessible and answering some of the questions we hear most often.

A big thank you to the Plannex team for making the trip up to Inverness, and to Cabot Highlands for hosting us in their stunning top-floor lounge. We couldn't have asked for a better backdrop!

Keep an eye out for what's to come 👀

Address

The Green House
Inverness
IV23BL

Telephone

+441463211311

Website

https://57northfp.com/

Alerts

Be the first to know and let us send you an email when 57 North Financial Planning posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.