Who we help
Guiding individuals, families & businesses
Because we’re independent and Chartered, our advice focuses entirely on what matters to you and not tied to any institution or investment product. From pensions and retirement, to investments, tax strategies, and protection planning, we build holistic solutions that match your goals, not someone else’s agenda.
Who we help
Clarity, confidence and direction
Individuals & Families
Retirement plans feel abstract. You’re wondering if you’ve saved enough, or how to protect your loved ones without sacrificing your own future. We help turn those concerns into a realistic, flexible roadmap that evolves with your life.
Business Owners & Directors
Running a business is time-consuming and tax planning or profit extraction often gets lost amid day-to-day demands. We support you in aligning your business goals with your personal vision, ensuring your company’s success and your personal security.
What we don't do
A good guide knows which paths not to take
Put your money at unnecessary risk
We’ll never suggest something we wouldn’t feel comfortable doing with our own money.
Offer advice without understanding you first
Every recommendation is based on a clear picture of your goals and a carefully prepared financial plan.
Claim to know the unknowable
We can’t predict the future or control the markets, but we can help you prepare for different scenarios with a resilient, well-thought-out plan of action to follow.
Tell you what you want to hear if it’s not the truth
We believe in honest conversations about your money, even when it’s difficult, because that’s how you make the best decisions.
Meet the team
People-first planning, built on experience
Elliot Guthrie FPFS, Ch.MCSI
Director & Chartered Financial Planner
I’ve been providing financial advice since 2019, working with individuals, families, and business owners to help them achieve their personal and financial goals.
My approach is always client-focused—taking the time to understand where you are now, where you want to be, and building a plan that helps you get there with clarity and confidence.
I offer advice across all areas of financial planning. Whether you’re looking to secure your future, grow your wealth, or protect what matters most, I’ll work with you to create a plan that fits your life, not just your finances.
Rooted in trust. Guided by experience. Focused on you.
What our clients say
Real guidance. Real results.
We’re proud to support individuals, families, and business owners on their financial journeys. Here’s what some of our clients have shared about working with us:
My husband passed away in 2024 and I quickly learned that I needed advice about my financial future. Elliot was recommended by a family member. He was very professional and visited me several times to listen to my needs and proffer his advice without any pressure. I was given step by step guidance and information about how the plan could work for me. I'm happy to say that I agreed to Elliot's financial plan which was totally personalised to my needs. The benefits of having this plan in place is the security of knowing that my finances are working for me to have a safe future and that Elliot's service is ongoing and only a phone call or text message away. I can now have a future where I don't need to worry and I wouldn't hesitate to recommend him.
Mr G Hardy, Perthshire
I was recommended Elliot because I had a small inheritance also, being over 55 and having no clue about the value of my various pensions, I really needed some advice to put a retirement plan in place.
After looking at the information on my pensions and talking over with me what I wanted my retirement to look like Elliot came up with a proposal that made sense to me. He very patiently explained about different kinds of investment and what that would potentially like in the coming years. He also answered all my questions, no matter how trivial or stupid sounding because they are not, as he says, they're important to me. I was very happy to follow his suggestions.
I know understand my pensions more than I ever before and am reassured by Elliot being there for any queries I may have in the future.
Ms M Redpath, Fife
We are so grateful to Elliot at Longmuir Financial Planning for the advice he has offered us. We needed support to consolidate previous pensions and were keen to plan for our future in the best way possible. After meeting with us and discussing our aspirations in more detail, Elliot offered a comprehensive plan where he explained all the options clearly on how best to do this. We feel confident in his advice and secure that the investment decisions made will meet our needs and goals for the future. We would highly recommend Longmuir Financial Planning.
Mr and Mrs Campbell, Edinburgh
