INDEPENDENT FINANCIAL ADVICE

Independent Financial Adviser in Edinburgh

Executive Wealth Services provides independent financial planning, pension advice, investment advice and tax-efficient wealth planning from our Edinburgh office.


We help professionals, business owners, retirees and families bring pensions, investments, savings, tax allowances and estate planning into one clear, coordinated financial plan.

FCA-Regulated

Authorised and regulated financial advice.

Independent Advice

Recommendations based on your circumstances and objectives.

Chartered-Led Planning

High professional standards and technical expertise.

Edinburgh Office

Local advice with a Scotland-wide perspective.

Long-Term Relationships

Advice designed to adapt as life changes.

WHO WE ARE

Independent Financial Advice for Clients in Edinburgh

Executive Wealth Services is an independent financial planning firm with an office in Edinburgh, advising clients across the city and wider Scotland. We work with professionals, business owners, retirees, and families who want clear advice on pensions, investments, retirement planning, inheritance tax, and long-term wealth structuring.


Our role is to help you understand what you already have, where risks or inefficiencies may exist, and how your financial arrangements can be organised into a coherent plan for today, retirement, and future generations.

For Professionals

Specialist advice for doctors, lawyers, engineers, and other professionals.

For Business Owners

Financial planning that aligns your business and personal goals.

For Retirees

Helping you create confidence and clarity for the years ahead.

For Families

Protecting what matters and planning for future generations.

THE CHALLENGE

When Pensions, Investments and Tax Planning Stop Working Together

Many Edinburgh clients come to us with financial arrangements built up over years — pensions from previous employers, ISAs, investment accounts, business interests, cash savings, property wealth or inheritance considerations. Individually, each part may seem sensible. The problem is when they are not working together.


Without a coordinated plan, risk can drift, tax allowances may be missed, retirement income can remain unclear, and estate planning decisions may be delayed until the options become more limited.

Old pensions left unchecked

Charges, performance, risk profile and retirement income options may no longer match your objectives.

Cash and investments without a clear role

Savings, ISAs and portfolios can drift without a defined purpose, timescale or tax strategy.

Tax allowances underused

Pensions, ISAs, capital gains, dividends, inheritance planning and business extraction need coordinated thinking.

Retirement income uncertainty

Accumulated wealth does not automatically become a reliable retirement plan.

Estate planning left too late

Inheritance tax and legacy decisions are often delayed until fewer options are available.

EWS helps bring these moving parts together. Instead of reviewing each product in isolation, we look at your wider financial position and build advice around your goals, risk profile, tax position and long-term family priorities.

Book an Initial Financial Planning Consultation

OUR PROCESS

Financial Advice Services in Edinburgh

Executive Wealth Services is an independent financial planning firm with an office in Edinburgh, advising clients across the city and wider Scotland. We work with professionals, business owners, retirees, and families who want clear advice on pensions, investments, retirement planning, inheritance tax, and long-term wealth structuring.


Our role is to help you understand what you already have, where risks or inefficiencies may exist, and how your financial arrangements can be organised into a coherent plan for today, retirement, and future generations.

Pension &
Retirement Planning

For clients approaching retirement, reviewing existing pensions or planning how to create long-term income from accumulated wealth.

View Pension & Retirement Planning

Savings &
Investment Advice

For clients holding cash, ISAs, portfolios or accumulated wealth who want a more structured, tax-aware investment strategy.

View Savings & Investment Advice

Inheritance Tax &
Estate Planning

For families who want to preserve wealth, reduce avoidable tax exposure and plan how assets pass between generations.

View Inheritance Tax Planning

Business Owner
Financial Planning

For directors and business owners who need to connect company profits, pension contributions, tax-efficient extraction and personal wealth.

View Business Owner Planning

A joined-up approach to your financial future

We bring clarity, structure and long-term focus to help you make confident financial decisions today and in the years ahead.

Explore Our Financial Planning Services

WHY CHOOSE EWS

Why Edinburgh Clients Choose Executive Wealth Services

Financial advice should not start with a product. It should start with a clear understanding of your circumstances, objectives, tax position, family priorities and long-term risks.


At EWS, we focus on structured financial planning — helping clients make joined-up decisions across pensions, investments, income, tax and legacy.

Independent Advice

We are not tied to one provider or product range. Recommendations are based on your circumstances, objectives and suitable options.

Chartered-Led Expertise

Advice is supported by senior technical experience across pensions, tax, investments and private client planning.

Complex Case Experience

Suitable for clients whose finances involve multiple pensions, investments, business interests, inheritance concerns or retirement decisions.

Long-Term Relationship Model

Planning is reviewed as legislation, markets, personal circumstances and family priorities change.

Edinburgh & Glasgow Presence

Local office access with a wider Scotland-based planning capability.

Ready to take the next step?

Speak to an experienced Edinburgh financial adviser to discuss your goals and options.

Speak to an Edinburgh Financial Adviser

WHY CHOOSE EWS

The EWS Wealth Planning Process

Good financial advice should feel structured from the start. Our process is designed to understand your circumstances properly before recommendations are made, so every decision is based on your objectives, existing arrangements, risk position and long-term priorities.


From the first conversation through to ongoing review, we help turn disconnected financial information into a clear plan that can adapt as your life, markets and legislation change.

1

Initial Conversation

We discuss your objectives, concerns and whether EWS is the right fit for your needs.

2

Discovery and Information Gathering

We build a clear picture of your pensions, investments, assets, liabilities, income needs, tax position and family circumstances.

3

Financial Review

We assess existing arrangements, charges, risk exposure, tax efficiency and whether your current structure supports your goals.

4

Strategy Design

We create a coordinated plan across pensions, investments, income, tax and legacy planning.

5

Recommendation and Implementation

Where advice is suitable, we explain the recommendations clearly and support implementation.

6

Ongoing Review

Your plan is reviewed as your life, markets, legislation and objectives change.

Ready to take the next step?

Arrange an initial financial planning consultation to explore your goals and how we can help.

Arrange an Initial Financial Planning Consultation
A

Local Advice. Local Presence.

Financial Advice from Our Edinburgh Office

Our Edinburgh office supports clients across the city, the Lothians and wider Scotland. Clients come to EWS for advice on retirement planning, pension reviews, investment strategy, inheritance tax planning, estate planning and long-term wealth structuring.

Whether you are preparing for retirement, reviewing accumulated wealth, managing business and personal finances, or planning how wealth should pass to the next generation, EWS provides clear independent advice from a local Edinburgh base.

Proud to support clients across Edinburgh and beyond

We advise clients across Edinburgh city centre, the New Town, Stockbridge, Morningside, Bruntsfield, Murrayfield, Corstorphine, Leith, the Lothians and wider Scotland.

Arrange a Consultation in Edinburgh

Edinburgh

Stockbridge

Leith

New Town

Bruntsfield

Morningside

Corstorphine

Murrayfield

Edinburgh Office

Suite 3, Thistle House
21/23 Thistle Street
Edinburgh
EH2 1DF

We welcome clients by appointment at our Edinburgh office.

Glasgow Office

Suite 326 – 328, Baltic Chambers
50 Wellington Street
Glasgow
G2 6HJ

Clients can also meet with our team at our Glasgow office.

Independent Advice Across Scotland

Edinburgh
Glasgow
Wider Scotland

Independent financial advice with local access in Edinburgh and Glasgow.

Local insight. National capability.
Independent advice focused on your long-term goals.

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Our Team. Your Trust.

Experienced Financial Planners Supporting Edinburgh Clients

Executive Wealth Services is led by experienced financial planning professionals with specialist knowledge across pensions, investments, tax planning, estate planning, corporate finance and long-term wealth structuring.

For Edinburgh clients, this means advice is not based on a narrow product conversation. It is shaped by technical experience, regulated financial planning knowledge and an understanding of how personal, family and business wealth decisions connect.

David Garvey

BA APFS

Managing Director · Chartered Financial Planner

David is Managing Director of Executive Wealth Services and a Chartered Financial Planner with over 20 years’ experience. He has led the development of EWS from Edinburgh into Glasgow and specialises in passive investment strategy, retirement planning, tax and trust planning, and modern client-focused financial advice.

View David’s Profile
Clara Jackson, Chartered Fellow and private client planning specialist

Clara Jackson

Chartered Fellow

Private Client Planning Specialist

Clara is a Chartered Fellow of the Personal Finance Society with over 20 years’ professional experience across corporate accountancy, wealth management and private client advisory. She specialises in technically demanding cases involving pensions, tax, later-life planning, inheritance tax and intergenerational wealth structuring.

View Clara’s Profile
Keith Duncan, financial planning specialist with pensions and corporate background

Keith Duncan

Financial Planning Specialist

Pensions & Corporate Background

Keith has over 25 years’ experience across corporate banking, pensions and financial planning. His background includes managing FTSE 100 relationships, pension governance, tax-efficient planning, investment strategy and long-term client relationship management.

View Keith’s Profile

A team approach to your financial future

Specialist knowledge. Independent advice. Focused on what matters most to you.

Meet the EWS Team
Need clearer financial advice in Edinburgh?

Before making decisions around pensions, investments, retirement planning, tax or estate planning, speak to EWS and get a clearer view of your options.

Arrange a Financial Review

Independent Financial Adviser Edinburgh FAQs

Clear answers to common questions about independent financial planning and long-term financial advice.

  • EWS an independent financial adviser or tied adviser?

    EWS provides independent financial advice. This means our recommendations are not restricted to one provider or a limited product panel.


    Independent advice allows us to assess your circumstances more broadly and recommend suitable options based on your objectives, existing arrangements, risk profile and planning needs.

  • Can EWS help with pensions and retirement planning?

    Yes. EWS advises clients on pension planning, retirement income, pension drawdown, existing pension reviews and wider retirement strategy.


    Many clients come to us with several pensions from previous employers or older arrangements. We help them understand charges, performance, suitability, income options and how their pensions fit into their wider financial plan.

  • Do you provide investment advice in Edinburgh?

    Yes. EWS provides investment advice for clients who want their savings and investments structured around long-term goals, risk tolerance, tax efficiency and future income needs.


    We can review existing portfolios, assess whether investments remain suitable, and help build an investment strategy that works alongside pensions, tax planning, estate planning and wider family wealth objectives.

  • Can you help with inheritance tax and estate planning?

    Yes. EWS helps clients consider inheritance tax exposure, estate planning, later-life financial planning and intergenerational wealth transfer.


    This may involve reviewing how wealth is currently held, how assets may pass to family members, and what planning options may be available. Estate planning often works best when considered alongside pensions, investments, tax allowances and long-term family objectives.

  • Can I meet an adviser at your Edinburgh office?

    Yes. EWS has an Edinburgh office presence and works with clients across Edinburgh, Glasgow and wider Scotland.


    Meetings can be arranged depending on your needs and adviser availability. The first step is usually an initial conversation to understand what you need help with and whether EWS is the right fit.

  • Does EWS only work with high-net-worth clients?

    EWS is best suited to clients who need structured, technical and long-term financial advice. That often includes people with more complex pensions, investments, business interests, estate planning needs or retirement decisions.


    The right fit is not just about asset value. It is about whether your circumstances require proper planning, careful analysis and ongoing advice.