Starting out, retiring soon or already retired? Whatever stage you have reached in your working life, our pensions advisers will help you to make the right choices and to plan for a stable financial future.


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Are you looking to invest for income, capital growth or simply to build up a fund for rainy day? We'll discuss your objectives, attitude to risk and time horizon to create the right savings & investment strategy for you.


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How much tax is paid from your estate is entirely dependent on you and the choices and plans you make now. We’ll advise you on the planning strategies which best suit your goals and circumstances.


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You can’t predict the future, but you can plan for it. Everyone should have sufficient financial protection in place to ensure that things will be taken care of if the unexpected happens.

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300x250 FPWe are delighted to announce that MAFS was awarded Corporate Chartered status in January 2020.

Every firm that holds Chartered status adheres to an ethical code that underpins broader commitments to professional values. These include putting customers’ interests first, investing in ongoing development of their people’s technical skills and knowledge, and supporting wider initiatives that benefit society as well as the growth of the profession.

The title Chartered Financial Planners is awarded to companies that make a public declaration of their commitment to professional standards. It is granted by the Chartered Insurance Institute (CII), the professional body for personal finance, dedicated to building trust in the insurance and financial planning profession.

But what does this mean and why is working with a chartered financial planner better for our clients?

Individual financial professionals can gain chartered status. This is done by taking the Advanced Diploma in Financial Planning (APFS) and also having five or more years’ experience. The APFS can only be entered after taking the Diploma in Financial Planning or Diploma in Regulated Financial Planning.

Further, an organisation can be awarded a Corporate Chartered title in financial planning. This covers the whole business and is awarded based on the organisations being “competent, knowledgeable and ethical in their dealings”.

Corporate Chartered Financial Planner status is given to those planners like MAFS who have a strong commitment to the professional development of all employees and engage strongly with the CII and other professional qualifications.

By choosing a Chartered firm you can be sure that its people have made a commitment to being ethically driven, knowledgeable and to providing competent advice that is based wholly around your needs and requirements.

We are proud to be a chartered organisation and look forward to discussing what this means to you at your next annual review meeting. You can find out more about what makes a firm Chartered here:

Michael Macadam 19 webParaplanner

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Michael joined Martin Aitken Financial Services in February 2019 as an experienced Paraplanner.

Having previously worked for an IFA firm, Michael has gained valuable experience within the financial services industry particularly in investments, pensions, bonds and inheritance tax planning. 

Michael has gained the Diploma in Financial Planning and is currently working towards his Advanced Diploma in Financial Planning.

During his spare time, Michael enjoys travelling, playing football and golf.

lauren duffy 16 mafsrsParaplanner

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Lauren joined Martin Aitken Financial Services in August 2018 and she has 8 years’ experience within the financial services industry.

Having previously worked for large wealth management firms throughout Glasgow, she has gained valuable experience in investments, pensions, bonds and inheritance tax planning.

Lauren has gained a Masters in Classics from the University of Glasgow and a Cert CII (MP) and she is currently working towards her Diploma in Regulated Financial Planning.

In her spare time, Lauren enjoys spending time with her husband and son, exercising and meeting friends.

Jennifer Slivinski 11 web


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Jennifer joined Martin Aitken Financial Services in November 2018 as an experienced financial services administrator.

She has over 20 years' experience within the financial services industry, holding various sales support and administration positions.   

During her spare time, Jennifer enjoys spending time with her family and friends.


Will your NHS pension provide you with a good standard of living when you retire?

The new NHS pension scheme came into force in April 2015 and is not as generous as the previous NHS schemes. Earlier schemes were based on the member’s final salary as opposed to the new scheme which reflects the member’s salary throughout their career.
The 2015 NHS pension scheme is a type of defined benefit pension and will provide those who are members a pension based on their pensionable pay each year.
In order to qualify for a pension, members contribute a % of their pensionable pay which starts at 5% and rises in stages until contributions reach a maximum of 14.5%. There are options to pay in more but conditions apply.

Doctors tapering off as pension tax rules bite. Have you been affected by the rules relating to pension tax relief? Read more


Thinking about early retirement?

NHS staff can elect to take an early retirement reduction buy-out (ERRBO) which involves scheme members paying in extra contributions to buy out the reduction that would apply if the member claimed their benefits up to three years before their retirement date.
The scheme’s minimum pension age is currently 55, however, if members take early retirement at 55 the pension amount they receive is reduced to reflect the earlier start date – ERRBO benefits can only be purchased by those retiring at 65 or later.

High earners: know your allowances

High earners should also take note of the reduced annual personal allowance (now £40,000) and lifetime allowance (£1.03m). From April 2016 a new tapered annual allowance was introduced, which will impact anyone with income (not just earnings) which exceeds £110,000 – the taper will mean that some high earners annual allowance could be as low as £10,000.
If you are approaching your allowance limits then you should speak to us. If you go over the limits then you are likely to receive an additional tax charge.Front Cover TPL
There's more tax planning points to note and suggestions on how you can arrange you and your family's affairs to reduce your current and future tax liabilities in our annual Tax Planning for Life 2019-20 guide. Click her to download a pdf copy

What other issues should I take into consideration?

  • What is your current pension position and what future retirement benefits can you expect?
  • How can you leverage the pension legislation to take advantage of e.g. pension freedoms in your financial plans
  • What tax impacts should I be aware in life and on deatth?
  • How does the new reduced annual and lifetime allowance affect you?
  • What other types of tax efficient investments should you consider as part of your overall financial plan for retirement?
  • Can I make additional voluntary contributions to my NHS pension?
  • Is retiring at age 60 realistic for NHS staff, doctors, dentists and consultants?
  • Does the NHS pension scheme represent good value for money or are there better options to consider?
If you would like individual financial advice and recommendations for your retirement planning our NHS pension scheme specialist IFA, Scott Lawson would be delighted to assist.
Scott understands the workings of the NHS Scheme and the options available to you and as we are not tied to any bank, building society or investment manager, we can provide you with independent and pragmatic financial planning advice for your retirement, taking into account any other personal pensions you may have and any property, assets, savings and investments you have to provide you with a holistic financial and retirement plan.

Contact our NHS pension advisers to arrange an appointmentTimeMgt

While we are based in Glasgow, we are happy to travel to visit clients across Scotland and he rest of the UK. For free initial NHS pensions advice from our experienced financial advisers, contact us on 0141 272 000 or This email address is being protected from spambots. You need JavaScript enabled to view it. direct or fill out our enquiry form.

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