Amber River C&M
Sunset over Covesea Lighthouse, Lossiemouth
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Our team at Amber River C&M includes Chartered financial planners and mortgage advisers who look after clients across Scotland.
Campbell & McConnachie joined the Amber River group in early 2023, and rebranded as Amber River C&M in April 2024. Located in Lossiemouth, on the shores of the Moray Firth, the team caters for clients at all stages of the financial planning journey. Their proximity to the RAF base and army barracks has also helped the team develop a strong understanding of the financial issues of military life, particularly around mortgages and protection.
Scott Campbell, a founding partner of local firm Watson & Campbell, joined the team in 2021, before further expansion with the acquisition of Dufftown-based Julia Williams Financial Planning Ltd in late 2023. Now, with increased reach across the Moray region and beyond, they want to inspire even more people to gain confidence in their experience and expertise.
By assessing an individual’s circumstances and devising a personalised plan, the team helps clients to fulfil their aspirations and achieve a secure financial future. It’s why they’ve worked with many of their clients for years, in some cases across multiple generations.
Meet the Amber River C&M team
Here are just some of the faces and stories behind our Amber River C&M team.
Our services
Whatever your hopes and dreams, and wherever you are in life, there are inevitably some important decisions and moments that can be difficult and time-consuming to work through. That’s why our team includes people with experience and technical knowledge spanning the financial planning spectrum, from the more straightforward to the most complex.
Retirement planning
When work stops, life continues. With careful planning, we can make sure you enjoy a fulfilling retirement
Business owners
Whatever stage your business is at, we'll help provide a future-proof financial framework
Thu, 7 Mar 2024 16:00 - 18:00 BST
Mercure Blackburn Dunkenhalgh Hotel & Spa, Blackburn Road, Blackburn BB5 5JP
There’s no better feeling than when you recommend our services to others.
We can help employers to support their employees’ financial wellbeing
News and views
How much life insurance do I need?
Knowing exactly how much life insurance you need can be a difficult sum to calculate. How much would your…
Who’s the best person to advise on Inheritance Tax?
If navigating Inheritance Tax feels like a bewildering maze, you're not alone. We take a look at where you…
Should you consolidate your pensions?
Pension consolidation simply means combining two or more pensions into a single pot. There are several…
What does a financial planner need to know about you?
Only by providing open and honest answers will your financial planner be able to design a financial plan that…
Are Annuities a Good Investment?
Is an annuity something you should consider? We take a look at the benefits and drawbacks to help you build…
What is Life Landscaping®
We have one simple purpose: To enrich the lives of those we meet.
Not the retiring type? Why people choose to retire later
More people are choosing to work beyond retirement. Phasing retirement can offer a range of benefits, even…
A quick guide to understanding financial planning jargon
We’ve created a list of the common financial planning jargon you might come across when planning for you and…
9 ways to reduce your Capital Gains Tax
Looking to reduce your Capital Gains Tax bill? Here are 9 ways you can cut your tax liability, keeping more…
What is a Crystallised Pension?
Crystallising your pension unlocks your investments and gives you access to your pension savings, including a…
Call: 01343 356 777
Sharon
Charlotte took me through the whole process making it stress free and explained everything in great detail. Being a first time buyer, I really appreciated this. She found me the best mortgage and also sorted me out with life insurance. Professional and extremely efficient, 10/10 from me!
Charlotte took me through the whole process making it stress free and explained everything in great detail. Being a first time buyer, I really appreciated this. She found me the best mortgage and also sorted me out with life insurance. Professional and extremely efficient, 10/10 from me!Sharon
Mark
My partner and I, contacted Campbell & McConnachie for assistance with a mortgage for our first house. Euan provided us with all the relevant information and explained everything to us. His knowledge and professionalism made the whole process very straight forward.
My partner and I, contacted Campbell & McConnachie for assistance with a mortgage for our first house. Euan provided us with all the relevant information and explained everything to us. His knowledge and professionalism made the whole process very straight forward.Mark
Carla
Amazing service from their in-house mortgage advisor Emma Baird. Emma was patient with me and also has excellent knowledge on the market – helping us apply for the most relevant mortgage (which we got approved). We live in Glasgow and the process was all done remotely. Would recommend in a heart beat.
Amazing service from their in-house mortgage advisor Emma Baird. Emma was patient with me and also has excellent knowledge on the market – helping us apply for the most relevant mortgage (which we got approved). We live in Glasgow and the process was all done remotely. Would recommend in a heart beat.Carla
Jane
For me, Emma’s warm and friendly manner was as important as her professionalism; Emma calmly talked me through the process from start to finish, honestly discussed my options, kept me updated at all times, and offered moral support when needed. Emma was easy to contact and, if necessary, always returned calls in an extremely timely manner. I am so grateful to Emma for persevering, often against the on-paper odds, and securing my mortgage for me. Everyone at Campbell & McConnachie was helpful and friendly and I would 100% recommend the company as a whole, and Emma Baird specifically.
For me, Emma’s warm and friendly manner was as important as her professionalism; Emma calmly talked me through the process from start to finish, honestly discussed my options, kept me updated at all times, and offered moral support when needed. Emma was easy to contact and, if necessary, always returned calls in an extremely timely manner. I am so grateful to Emma for persevering, often against the on-paper odds, and securing my mortgage for me. Everyone at Campbell & McConnachie was helpful and friendly and I would 100% recommend the company as a whole, and Emma Baird specifically.Jane
Small, but important print
Amber River C&M is a trading name of Campbell & McConnachie Ltd, which is authorised and regulated by the Financial Conduct Authority. Financial Services Register No: 789217. http://www.fca.org.uk/register
We adhere to the FCA’s principles of Treating Customers Fairly (TCF) Read more.
Company number SC314177. Registered Address: Harbour House 1 Shore Street Lossiemouth IV31 6PD.
The information contained within this site is subject to the UK regulatory regime and is therefore targeted primarily at consumers based in the UK.
The Financial Conduct Authority does not regulate National Savings or some forms of mortgage (including Buy to Let), tax planning, taxation and trust advice, offshore investments or school fees planning.
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