About Us
Clear. Trusted. Independent.
Financial planning, the way it should be.
At Castlebay Financial Management, we help people make confident decisions with their money. Whether you’re preparing for retirement, planning for your family’s future, or simply trying to gain clarity on what’s possible, we’re here to support you, calmly, clearly, and without pressure.
We believe financial planning is about people, not just portfolios. That’s why we focus on what matters to you first, then build a tailored plan to help you achieve it.
Chartered Financial Planners
We are proud that all three of our financial planners hold Chartered Financial Planner status, considered the gold standard in our profession. This means we adhere to the highest levels of professional ethics, competence and client care. It’s a mark of quality that reflects our ongoing commitment to doing the right thing, always.
As independent financial planners, we’re not tied to any product providers. That means the advice you receive is based solely on what’s best for you.
A Personal Approach
to Planning
We’re not a call centre. We’re not commission-based. And we’re not interested in selling you products you don’t need.
Instead, we take time to understand your goals, your values, and your financial circumstances. From there, we offer clear, honest advice that’s tailored to your needs, not ours.
Our approach is built on trust, long-term relationships and advice that evolves with you.
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.
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.