Successful planning is all about expertise and regular review. In particular, in identifying and managing change. 

Once an agreement has been made to do business, our clients commit to regular (at least annual) reviews in order to ensure financial plans are on track, and to make amendments or additions as may become necessary as circumstances evolve. 

It is important to note, any initial research we conduct and early consultations will not usually attract a charge, as we aim to demonstrate where value can be added before we come to any further agreements on how best to proceed. 

We are at the forefront of advice with an emphasis on:

- Bespoke / Tailored Investment Solutions

- Discretionary Fund Management (DFM), EIS/VCT*, Self-Invested Personal Pensions, ISAs, General Investments & Investment Bonds (Offshore & Onshore) 

- Cost Mitigation (value for money)

- Tax Mitigation - Inheritance Tax (IHT), Income Tax, Capital Gains Tax (CGT) 

- Risk Mitigation - through use of Discretionary Fund Management to manage investment risk on your behalf in a fully bespoke portfolio

- Capital Preservation - use of Trusts to mitigate Inheritance Tax, Care Cost Recovery (CCR)

*Don't invest unless you're prepared to lose all the money you invest. This is a high risk investment. You may not be able to access your money easily and are unlikely to be protected if something goes wrong.

The value of investments and any income from them can fall as well as rise and you may not get back the original amount invested.

HM Revenue and Customs practice and the law relating to taxation are complex and subject to individual circumstances and changes which cannot be foreseen.

Advanced Financial Planning is a trading name of Advanced Financial Planning Scotland Limited, which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited, which is authorised & regulated by the Financial Conduct Authority.

Approved by The Openwork Partnership on 10/02/2026.

Advanced Financial Planning

Susan Milne

This department provides expert advice and solutions in financial planning and mortgage protection.

Advanced Financial Planning

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Advanced Financial Planning

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