Clark Gillone

read moreClark Gillone holds the prestigious title of Chartered Financial Planners. There are very few such organisations in the UK and we are proud to be one of the largest independent firms in Scotland to have been awarded this status. It is a clear indication of our commitment to professionalism and to ensuring that all our advisers are suitably trained and qualified in their given areas of responsibility. Primarily, our service is aimed at establishing long term relationships with our clients and our fee based remuneration is structured accordingly.

read moreFinancial protection principles apply to business as well as individuals. This is especially true for small businesses where the proprietor's wealth is tied up in the business and its continued success is dependent on their skills and application. It is even more true for businesses with very few resources and reserves. Share Protection cover provides funds to buy company shares. It is intended for private limited companies where there may be only a small number of principal shareholders. This is usually done in conjunction with a shareholders agreement to give the remaining shareholders the first option to buy these shares.

read moreThis site from the Charters Insurance Institute provides more information on the Chartered Financial Planners corporate title. The Financial Ombudsman Service (FOS) is an agency for arbitrating on unresolved complaints between regulated firms and their clients. If you have a complaint relating to products or services purchased online, or by other electronic means such as by email, you should refer it initially to Clark Gillone at info@clarkgillone.co.uk. You may also refer your complaint to the online dispute resolution platform.

read moreWhether it is to cover a mortgage or other loan, to protect your family or for shareholder or protection, Clark Gillone is able to source the cheapest and most appropriate cover to your circumstances using the advantages of technology to compare dozens of different providers of such cover. We also provide guidance on Critical Illness Cover, an increasingly popular form of protection which pays out on the diagnosis of conditions such as heart attack, stroke or cancer irrespective of whether you recover or not.

read moreA core function of our business is to advise our clients on accumulating and investing capital which may be required for a variety of purposes throughout life. We help our clients to understand the issues which need to be considered and the criteria to be applied in determining how their investment portfolios should be structured to suit their individual needs and attitudes to risk. Importantly, our reputation is based not only on helping clients to construct their initial portfolios but on providing a source of ongoing advice to ensure that our clients' financial arrangements remain appropriate to their changing lifestyles and financial requirements.

read moreThe issue of tax is always an important part of the decision-making process. Making the most of UK tax allowances, tax bands, tax charges and benefits is an important part of any financial plan. Income Tax, Capital Gains Tax and Inheritance Tax are the taxes that affect most. Depending on your circumstances it may not be possible to avoid certain types of taxation, but it will be possible to structure a plan that will ensure you do not pay any more than you have to. Efficient tax planning is the key to maximising your wealth.

read moreWhether you are a first time buyer, existing homeowner, considering moving home, or simply wishing to review your existing mortgage arrangement to establish if savings can be made, Clark Gillone can undertake a confidential and impartial review of your mortgage arrangements and provide the appropriate mortgage solution. With so many different types of mortgages on the market being offered by so many financial institutions - how do you know which is right for you? At Clark Gillone we are not tied to any specific lender and we can provide you with unbiased mortgage advice based on the market place as a whole.

read moreThe government introduced a complete overhaul of pensions legislation in April 2006. This has brought a much greater degree of flexibility and more people will be able to include their pension plan as a highly tax efficient part of their overall financial plan. If you also consider the low level of state pension benefits available, it is vital that we all make extra provision for our retirement through some form of private pension arrangement. We are able to help you choose between the pension products and investments most suited to your financial circumstances.