Home › Financial Planners › Stephen Cairns
Based at
Position
Serving clients in
Northern Scotland
Stephen Cairns
Financial Planner
Stephen continues to study for exams having achieved the Level 4 Diploma in Regulated Financial Planning, and is now working towards achieving Chartered status.
Aside from studying, outside of work Stephen enjoys going to the gym and spending time with his family.
Expertise in
Talk to Stephen, call Amber River C&M today
Articles related to Stephen and his team
What is a Crystallised Pension?
Crystallising your pension unlocks your investments and gives you access to your pension savings, including a…
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…
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…
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…
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…
Should you consolidate your pensions?
Pension consolidation simply means combining two or more pensions into a single pot. There are several…
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…
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…
What is Life Landscaping®
We have one simple purpose: To enrich the lives of those we meet.