Crestmoor Wealth | Independent financial planners and accountants in Edinburgh

Independent financial planners · Edinburgh

Money advice you can actually follow.

Crestmoor Wealth plans retirement, investments and tax for families and company directors. Fixed fees published on this page, no commission, and a written plan you will understand on the first read.

Book a free 20-minute call See our fees

The Edinburgh skyline at golden hour with a clock tower and spires above silhouetted trees

£184m

of client assets planned for

1,140

households and 210 company directors

98%

of clients stay with us year after year

Chartered

Financial Planners, Chartered Insurance Institute

CFP

Certified Financial Planner professionals

ICAEW

Chartered Accountants on every tax file

FCA

Authorised and regulated, independent whole of market

What we do

Four jobs, done properly.

We keep the list short on purpose. Each service has a fixed fee, a named adviser and a written outcome.

See what each costs

Two advisers and a client talking through documents at a desk by a window

Retirement planning

Work out when you can stop, what you will live on, and which pensions to draw first. Includes cash-flow modelling to age 100.

Best for ages 45 to 65

Investment management

A low-cost, globally diversified portfolio built around your goals, rebalanced twice a year and reported in plain English.

Best for £100k and above

Tax and accounts

Personal tax returns, limited company accounts and payroll for directors and freelancers. Every file is signed off by a chartered accountant.

Best for directors and freelancers

Protection and estate

Life cover, income protection and wills that fit your plan, arranged from the whole of the market and kept under review.

Best for families

How it works

From first call to first plan in two weeks.

A free 20-minute call

Tell us where you are and what you want. We tell you honestly whether we can help.

Day 1

Discovery meeting

Ninety minutes, in Edinburgh or on video, to map your money, your goals and your worries.

Day 3 to 5

Your written plan

A clear plan with numbers, trade-offs and next steps. No jargon, no 80-page report.

Day 14

Yearly review

Every year we re-run the plan with you, adjust for life, and report on what we did.

Every January

Fee transparency

Every fee, in writing, before we begin.

No commission, no hidden platform charges, no exit fees. If we ever change a price you hear it from us first, and you can leave at any time.

Discovery and written plan

Meeting, cash-flow model and a full written plan within 14 days

£1,500

Once, fixed

Ongoing advice and yearly review

Annual review, portfolio rebalancing, tax-year planning and unlimited email access

0.75%

a year, on the first £500k

Larger portfolios

The same service, with the fee stepping down as your portfolio grows

0.45%

a year, on every £ above £1m

One-off plan review

A fresh pair of eyes on an existing plan, with a short written report

£950

Once, fixed

Personal tax return

Prepared and filed by a chartered accountant, including a tax-saving check

£295

Per return, fixed

Company accounts and payroll

Year-end accounts, corporation tax, confirmation statement and director payroll

£85

a month, from

Fees exclude VAT where it applies. Investments can fall as well as rise. Your first call and a written quote are always free.

Your advisers

Chartered, independent and easy to reach.

Elena Bruce

Principal, Chartered Planner

Founded Crestmoor in 2011 after twelve years at a private bank. Specialises in retirement income for business owners.

FPFS · CFP · Edinburgh

Ravi Malhotra

Partner, Tax and Accounts

Chartered accountant who runs our tax and company accounts team. Has filed over 3,000 returns without a penalty.

ACA · CTA · Glasgow and Edinburgh

A couple sitting on a bench at home going through their plan on a laptop

Client voices

For the first time in twenty years I know exactly what we can spend, and I stopped lying awake over the pension.

Alasdair and Fiona Reid

Retired headteachers, Morningside

Ravi moved our company accounts in a weekend and found £11,400 we had overpaid in tax.

Priya Chandran

Director, Chandran Design Ltd

Book a call

Twenty minutes, no pressure.

Pick a time that suits you and tell us what is on your mind. Elena or Ravi will call you, listen first, and tell you honestly if we are not the right fit.

We confirm your slot by email

Within one working day, Monday to Friday.

We call you at the time you chose

From a named adviser, never a call centre.

You decide what happens next

A written quote if you want one. Nothing if you do not.

0131 555 0126 · hello@crestmoorwealth.co.uk

22 Charlotte Square, Edinburgh EH2 4DF

Edinburgh's skyline from Calton Hill at golden hour

Book your free call

Crestmoor Wealth: independent financial adviser

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