Acumen Financial Planning

Financial planning does not only matter once wealth has already been built.

Through SpringGen, powered by Acumen, we’re helping younger professionals access clear financial planning support at an earlier stage, when the decisions they make can shape the direction of their future.

In this blog, Andrew McRae APFS explores why financial planning can matter before someone feels “wealthy”, and how earlier guidance can help young professionals make more informed decisions as their income, responsibilities and options grow.

As a financial planner working with both Acumen FP and SpringGen clients, Andrew understands how financial planning needs can evolve over time, from building strong foundations, to developing and protecting wealth as life becomes more complex.

Read the full blog from SpringGen below.

Why Financial Planning Matters Before You Feel “Wealthy” Many young professionals are earning well, progressing in their careers and starting to make bigger financial decisions. But earning a good income does not always mean feeling financially secure.

It's back! Join our expert financial planners for a relaxed, interactive session on navigating the unexpected and picturing your ideal retirement.

On 20 August, our Edinburgh team will host the latest 'Ready, Set, Retire' session. This informal event will put you in touch with experts in retirement, pensions, and estate planning to set you on the path to your ideal post-work lifestyle.

Learn more and reserve your free place at - https://ow.ly/sii250ZgW74

Meet James and Claire.

A married couple who began reviewing their financial situation and ended up analysing something far more important: what they actually wanted their future to look like.

Their story shows how financial planning isn’t just about the numbers. It's about gaining clarity and confidence to embrace a new life chapter.

Learn more - https://www.acumenfp.com/retirement-plans-for-james-claire/

Retirement Plans for James & Claire When I first met James and Claire some 12 years ago they were in their mid-50s and at somewhat of a crossroads. Their two daughters had recently left home, and, after a 28 year career with Scottish Gas, James had been made redundant just six months ago. He had managed to find another job, but frankl...

Make an overpayment or reinvest?

Mortgage payments often take up a large bulk of our salaries, and so paying extra now to reduce the outstanding balance might seem like a no-brainer.

But is there a way to make your money work even harder?

Chartered Financial Planner Paul Ross explores this topic in our latest discussion with The Herald.

Should you use surplus income to overpay mortgage or invest? By Paul Ross, Chartered Financial Planner at Acumen Financial Planning

What, why, who, and when?

Making Tax Digital for Income Tax Self-Assessment (MTD for ITSA) is rolling out, but are you up to speed on your responsibilities?

Read our FAQs on MTD to learn more -

Making Tax Digital: Frequently Asked Questions Frequently asked questions around Making Tax Digital, including who it affects, eligibility and automatic exemptions.

We all want to financially support our children as they move through various life stages.

However, with the rising living costs associated with further education, how do we balance that support with our own retirement plans?

In our latest The Scotsman Money column, we dive into this topic and how you can start planning to accommodate both.

Read more here -

What’s the real cost? Q&A Jonathan Whan of Acumen Financial Planning gives guidance on educational costs.

Acumen Financial Planning has been shortlisted at the Professional Paraplanner Awards 2026.

Our paraplanners play a significant role in ensuring we continue to provide outstanding service to our clients, and we are immensely proud to see their hard work and dedication recognised.

We'll have everything crossed for the awards ceremony on 15th of July!

1 week to go!

Don't forget to secure your place at 'Ready, Set, Inherit' on 28 May. This informative seminar will be hosted at the Marcliffe Hotel where our inheritance experts help you begin to develop a bespoke plan that ensures financial security for those closest to you.

Reserve your place at https://ow.ly/kGAG50Z2A0l

They were ready for their close up and raring to go!

Over the past couple of days, several team members have taken part in filming to provide you with insights, experiences, and a look behind the scenes at Acumen Financial Planning.

Watch this space for the results!

It's Mental Health Awareness Week, and our Aberdeen Wellbeing Champions have organised a week of activities to support the team's physical, mental, social, and financial wellbeing.

As a workplace supporter, we are helping the Mental Health Foundation to achieve their mission of ensuring no-one is deprived of the opportunity for good mental health. The week's agenda includes:

🚶 A lunch time walk on 'Wear it Green' Day to
🧘 An after-hours yoga class to decompress
🥗 Healthy, mood-boosting snacks for everyone to share

💡 A session presented by Acumen Employee Benefits to make sure everyone is getting the most out of their health and wellbeing benefits.

https://ow.ly/PiXl50YW8hK

Mental Health Foundation | Good mental health for all Good mental health for all. Dedicated to finding and addressing the sources of mental health problems.