Ranald Hall

I help people in and around The Lothians, Borders and Edinburgh to achieve their most important financial goals. My 15-year Financial Services career has centered on doing the right thing for my clients and finding solutions to their financial problems. I specialise in Retirement Planning and can help you to understand how much you’ll need for your dream retirement and whether you’re on track to achieve it. If your goal is to retire early, reduce your working hours or switch careers, I can help you to make that happen. I can also assist you with organising your old pensions, tracking down any lost ones and ensuring you get the full State Pension. I can advise you on: - Building a plan to retire how and when you want to. - Protecting your family in the event of an unexpected change. - Minimising the value of your estate for Inheritance Tax purposes. - Investing for your or your family's future. By listening carefully and asking the right questions, I can help you to identify your most important financial goals and build a plan to achieve them. Everyone's relationship with money is different so I tailor my approach to you. I believe a Financial Planner has a responsibility not only to advise but to educate their clients, so I take the time to explain and answer your questions. I hold the Diploma in Regulated Financial Planning, Pension Transfer Specialist Accreditation, The Certificate in Discretionary Investment Management and I'm approaching Chartered Financial Planner Status. My clients describe me as "trustworthy", "easy to talk to" and "knowledgeable". They value my understanding and expertise and my ability to make the complex simple. Outside of work, I spend most of my time outdoors with my family, rain or shine, you can usually find us on our local beach. I enjoy trail running, surfing (badly), learning new skills and I'm a voracious non-fiction reader. The value of an investment with St. James's Place will be directly linked to the performance of the funds you select and the value can therefore go down as well as up. You may get back less than you invested. An investment in equities does not provide the security of capital associated with a deposit account with a bank or building society. The levels and bases of taxation and reliefs from taxation can change at any time. The value of any tax relief depends on individual circumstances. This Partner/Partner Practice is an Appointed Representative of and represents only St. James's Place Wealth Management Plc (which is authorised and regulated by the Financial Conduct Authority) for the purpose of advising solely on the Group's wealth management products and services, more details of which are set out on the Group's website at www.sjp.co.uk/products. The ‘St. James’s Place Partnership’ and titles ‘Partner’ and ‘Partner Practice’ are marketing terms used to describe St. James’s Place representatives. SJP Approved 25/06/2024