# North East Financial Planning Ltd

North East Financial Planning Ltd is an independent financial advisory firm based in Elgin, serving clients across the Highlands and Islands. With over 30 years of combined industry experience, the firm employs qualified and chartered financial advisers who provide bespoke guidance across the full spectrum of financial planning.

The firm specialises in pensions and retirement planning, helping clients transition into later life with confidence. They offer comprehensive estate and trust planning services designed to minimise inheritance tax exposure and ensure wealth passes to beneficiaries as intended. Beyond retirement, they advise on investment strategies, protection through insurance products, mortgages, and long-term care planning. Commercial and development finance advice is also available for business clients.

What distinguishes North East Financial Planning is their client-centric approach. Rather than applying generic solutions, advisers invest time understanding individual objectives before tailoring bespoke plans. They provide initial consultations at no charge and communicate all associated costs transparently before proceeding.

The firm recognises modern life demands flexibility; they deliberately extend availability beyond standard office hours and weekends to accommodate clients' schedules. Their commitment to the local community is evident through multiple sponsorships of sports clubs and organisations throughout Moray.

Recognition includes awards for innovative finance from the Highlands and Islands Business Awards (2018) and consecutive Local Professional Services accolades from Elgin BID (2023, 2024). Professional credentials include membership with the NACFB and PFS designation.