Donald Johnston
Financial Planning Consultant DipPFS,Certs CII (MP & ER) in Aberdeen
A little bit about Donald
I am a Diploma Qualified financial adviser with 30 years’ experience offering face to face advice to individuals and small businesses.
I focus on understanding each person’s unique family and financial situation to offer tailored solutions that suit your specific needs while managing those solutions with you thereafter.
I will take time to get to know you so I can provide financial solutions that a right for you.
Start the conversation
Speak to me if you’re interested in preparing for tax year end, or just want advice on making your money go further.
Contact me today
Tackle tax year end with confidence
Tax rules can seem pretty impenetrable. With the new Budget, and so many different allowances and regulations to keep up with, it’s no wonder millions of us end up accidentally missing opportunities - equating to millions of pounds a year.1
In this case, ignorance really isn’t bliss. And by confidently preparing for tax year end, you can be sure you’re getting all the money you’re entitled to - whether that’s by saving as much as you can tax-efficiently or just using your allowances to their full extent.
I can go through your financial position with you, so you’re ready for tax year end on 5 April. Did you know, for instance, that only 1 in 7 savers fully use their ISA?2 Or that you could be one of the 2m couples3 who aren’t making the most of their marriage allowance?
Together we can make this tax year end something to celebrate, rather than pass by. Get in touch for your tax year end review, or a cashflow modelling session to understand your financial position better.
For ISAs, Investors do not pay any personal tax on income or gains, but may pay unrecoverable tax on income from stocks and shares received by the ISA managers.
Tax treatment varies according to individual circumstances and is subject to change.
Stocks and Shares ISAs invest in corporate bonds, stocks and shares and other assets that fluctuate in value.
2 Source: https://ifamagazine.com/just-one-in-seven-brits-use-their-full-isa-allowance-survey-shows/
3 Source: https://moneyweek.com/personal-finance/605717/marriage-tax-allowance
Approver Quilter Financial Services Limited & Quilter Mortgage Planning Limited. 17 December 2024.
Business Services & Protection
Commercial mortgages/remortgages, workplace pension and employee benefits. Commercial mortgages are by referral only.
Holistic planning
Establishing and reviewing trusts, complete personal risk management planning, short- and long-term savings and investments.
Income Protection
Permanent health insurance to provide a regular income should you be unable to work due to illness or injury.
Investments
Wealth management advice to make your money work as hard as it can for you, including making the most of any tax breaks available.
Pensions
Expert advice to help provide comfort in your retirement.
Protection
Whole of life and term assurance protection, private medical arrangements, critical illness insurance.
Diploma in Regulated Financial Planning
- The Level 4 Diploma in Regulated Financial Planning from the Chartered Insurance Institute develops core technical and initial financial planning understanding.
Certificate in Mortgage Advice
- The Certificate in Mortgage Advice (Level 3) meets the FCA standards for mortgage advisers. It develops an understanding of the sector and the mortgage process, and enables advisers to meet individual client needs.
Certificate in Mortgage Advice and Equity Release
- The Level 3 Certificate in Mortgage Advice and Equity Release meets the FCA standards for mortgage advisers and those advising on equity release schemes.
Certificate in Equity Release
- The Certificate in Equity Release is a specialised and highly regarded qualification within the financial services industry. Designed to equip professionals with the knowledge and skills needed to provide expert guidance on equity release products, this certification programme plays a pivotal role in ensuring that individuals can make informed decisions about releasing equity from their homes.
Ms Liz H.
Donald has been my financial advisor for 3 years now. As well as regular reviews he has always been available for any ad hoc concerns and requests that I have raised with him. He communicates in a timely way, by email and with voice or video calls as appropriate.
Donald successfully managed my expectations through a period of considerable market volatility.
I'm happy to have someone I can trust to manage my investments.
Mr G Polson.
When I retired 6 years ago it gave me sleepless nights knowing what to do with my pension pots, after doing some research I chose to go with Donald Johnston and have never looked back.
His expert financial advice got me a perfect plan to suit me & my wife, we take a monthly top up income, then invest the rest at an investment risk we are happy with.
We have been very happy with yearly results, could not have done any of that by myself so THANK YOU so much Donald.
Mr and Mrs Morton
Donald Johnston has been our financial adviser since retirement. He has worked with us to plan our current and long term needs in terms of financial goal setting, and to create an appropriate portfolio.
He regularly reviews the resilience of our Quilter investments and undertakes an annual financial review meeting and detailed report.
He has a calm, considerate manner and clearly explains financial issues and market forces to us with knowledge and clarity!
Donald's location
Aberdeen
AB10
United Kingdom
Donald is located in Aberdeen and offers expert financial advice to suit your needs.
I am based just north of Aberdeen and I am happy to travel to meet face to face to provide a free initial consultation at a time and place mutually convenient to discuss your financial objectives.
I am fully qualified to provide holistic advice in a range of areas including Retirement Planning, Investments, Protection, and Inheritance Tax Planning.
The process starts with an initial no obligation conversation, either by phone or video call to gauge if he can help. Contact on 01358 511902.
Away from work I enjoy competitive and social golf with friends. I also enjoy reading and spending time with family.
The Financial Conduct Authority does not regulate some employee benefits, tax planning, inheritance tax planning, estate planning, succession planning, trusts or some buy-to-let mortgages.
The guidance and/or information contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.
Registered Office: Quilter Financial Advisers, Senator House, 85 Queen Victoria Street, London, EC4V 4AB. Tel: 0207 562 5856. Registered in England and Wales. Registered number: 05693185. Lighthouse Financial Advice Limited, Senator House, 85 Queen Victoria Street, London, EC4V 4AB. Tel: 0207 562 5856. Registered in England and Wales. Registered number: 04795080.