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Scotland

Financial advisers in Scotland

From Edinburgh and Glasgow to Aberdeen, Dundee, Inverness and the islands, we match people across Scotland with FCA-regulated advisers who know how Scottish tax and succession rules differ.

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Advice in Scotland

What people here ask us about

Financial advice is regulated in the same way across the UK, but two things make planning in Scotland different. The first is income tax: Scotland sets its own rates and bands for earnings and pension income, with six bands in 2026/27 running from 19% to 48%. The higher rate of 42% starts at £43,663, well below the £50,270 threshold elsewhere, and between £100,000 and £125,140 the effective rate on earnings reaches 67.5% before National Insurance.

The second is succession. Under Scots law a spouse or civil partner and children have legal rights to a share of your moveable estate whatever your will says. Inheritance tax itself is the same as in the rest of the UK, but the planning around it is not, and it needs an adviser and a solicitor who work in Scotland.

  • Scottish income tax

    Pension contributions are worth more at Scottish rates: relief at 42%, 45% or 48% for higher earners, and a stronger case for bringing income back under £100,000.

  • Energy and financial services

    Planning for careers in Aberdeen's energy sector and Edinburgh's fund management and banking, often with share awards and time spent overseas.

  • Legal rights and estate planning

    Inheritance tax planning that takes account of the claims a spouse and children have on the moveable estate.

  • Retirement income

    Drawing pensions efficiently where Scottish rates apply to the income, including the lower starter and intermediate bands.

Scottish income tax bands, 2026/27

BandIncomeRate
Starter£12,571 to £16,53719%
Basic£16,538 to £29,52620%
Intermediate£29,527 to £43,66221%
Higher£43,663 to £75,00042%
Advanced£75,001 to £125,14045%
TopOver £125,14048%

Applies to earnings, pensions and rental income. The personal allowance is reduced by £1 for every £2 of income over £100,000.

Across Scotland

Wherever you are, the consultation comes to you

Consultations are held by video, so you can speak to the right adviser from home or from work. We work with people throughout Scotland.

Before you book

Get a feel for the numbers

All calculators

Questions

Good to know

Is pension tax relief different in Scotland?

Yes. Relief is given at your Scottish rate of income tax, so a taxpayer in the 42% higher band receives 42% relief on contributions, and those in the advanced and top bands 45% and 48%. With a scheme that adds only basic-rate relief automatically, the extra has to be claimed through self-assessment or from HMRC. Our income tax calculator includes Scottish rates.

Will my adviser be based near me?

We match on fit first: the adviser's specialism and the kind of clients they work with. If you would like someone close by, tell us when you book and we will take it into account. Because consultations are held by video, the right adviser for your situation does not have to be the nearest one.

What happens after I book?

You choose a time, and we match you with an FCA-regulated adviser who works with people in your position. We send you their name, firm and FCA registration so that you can check them on the Financial Services Register, followed by a Microsoft Teams invitation. The consultation is complimentary and you are under no obligation to go further.

Other regions: London, South East, South West, East of England, East Midlands, West Midlands, Yorkshire and the Humber, North West, North East, Wales, Northern Ireland.

Speak to an adviser in Scotland

Choose a time for a complimentary video consultation with an FCA-regulated adviser who suits your situation.

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