Savings

Independent financial advice that works for you.

Transparent fees. Whole-of-market planning.
Team-based across Scotland.

Laying the foundations for tomorrow.

Our financial advisers can help analyse the best ways to save for you and your family's future.

Our approach is simple; we listen, we understand, and we advise, so we can build appropriate savings, mitigating to suit your personal circumstances.

With so many options available for savings and investments, we help review your savings portfolio, whether you are starting to build up savings or looking for a review of your established savings portfolio. Savings form a key part of our financial planning service and there are many options available to select from depending on your goals. Our advisers are here to support your savings strategy. With financial advisers based across our offices in Scotland, find an adviser near you for more details.

Stocks and shares ISA

Currently, Individual Savings Accounts (ISAs) allow you to hold up to £20,000 of investments tax-free.

While a cash ISA is simply a tax-free savings account, a stocks and shares ISA is a tax-efficient investment account that lets you put money into range of different investments, including unit trusts, open-ended investment companies and investment trusts, as well as government bonds and corporate bonds.

There are also options to buy individual company shares and put them into your ISA. So, unlike cash ISAs, you should only invest if you're prepared to take the risk that your investments can go down, as well as up, in value.

Pensions added to estate value: Defined contribution pensions and most death benefits will be included in IHT calculations from 6 April 2027.

Exceptions maintained: Death-in-service benefits paid from registered pension schemes remain exempt

New responsibilities: Personal representatives (executors) will now be responsible for reporting and paying any IHT due—and failure to liaise or settle within six months could trigger costly penalties

Carry-forward relief preserved: Transfers to surviving spouses, civil partners, or registered charities remain exempt

Benefits of an ISA

No Income Tax is payable on interest payments which are made by bond funds

No higher-rate tax is payable on dividends which are paid by equity funds (you can't claim back the 10% dividend tax paid by the fund in an ISA)

You can access your money whenever you need to, but it cannot be returned (if you withdraw your ISA, you will automatically lose theall

Income from an ISA does not affect your personal allowance or age-related allowance

No Capital Gains Tax is payable on any growth you may achieve, so you could use withdrawals to increase your income when necessary

Saving for children: Junior ISAs, Trusts & Pensions

The earlier you start saving for children, the more chance the money has to grow. This can be particularly welcome when, for example, they need funds for higher education or buying their first home.

Junior ISAs offer investors a straightforward way to save for a child's future and offer similar tax advantages to 'adult' ISAs, but with a lock-in, making the child's investment inaccessible until they turn 18.

Trusts and Pensions are also available to set up for children and can form part of intergenerational wealth planning, Ask our team for more details.

Our people

We have a great team of qualified professionals available to support you with your plans. We are always keen to hear from anyone who might be interested in joining our team. Find out more here.

Joyce Duguid Employee Benefits Admin Manager AC Wealth

Meet the Team

Make Your Money Work Harder

Don’t leave your future to chance—arrange a consultation today to ensure your savings strategy is optimised for the lifestyle you want.

1st Floor, Blenheim House, Fountainhall Road, Aberdeen, AB15 4DT

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Aberdein Considine Wealth Ltd (AC Wealth) is authorised and regulated by the Financial Conduct Authority, FRN 1012486. Company number SC720631. The FCA does not regulate tax planning, Wills or Trusts. The value of investments can fall as well as rise. The information on this site is intended to be of general interest only and should not be considered as an offer, investment recommendation or solicitation, or advice to engage with any financial instruments. This website is intended for UK audiences only.