We believe financial advice should be a holistic long-term plan that aims to ensure you are in the strongest financial position to achieve your life goals.
These goals could include owning your own home, saving for school or university fees for your children, retirement planning or saving to cover the costs of long-term care as you get older. Whatever your goals, good financial planning can help you to achieve them.
Professional financial planning can also help you to manage your investments in line with your individual goals and objectives, understand your tax obligations, protect you in case of unexpected illness or job loss and ensure that your wealth is passed on to the next generation in line with your wishes.
Meet The Team
David is a Director and the principal shareholder of Caledonian. His career in financial services began in 1985 and he was also a co-founder of Caledonian in August of 1992.
David also specialises in providing solutions for clients in the complex world of pensions. He can advise on all types of pensions and has expertise in advising on self-invested schemes
David specialises in providing bespoke investment and wealth management solutions for our clients. He is vastly experienced in this arena and also sits on both the Caledonian Financial Management Investment Committee and the Caledonian Investment Management Investment Committee.
Karen El Karti
Director, Compliance & Finance
Karen began her career in financial services in May 2006 when she was appointed as the Office Manager of Caledonian.
Karen has the Diploma in Financial Planning
Karen was appointed Director of Compliance and Finance in 2012. She overseas all aspects of the business and is also a member of the Caledonian Financial Management Investment Committee and the Caledonian Investment Management Investment Committee.
Giovanni is a fully qualified financial adviser who joined Caledonian in 2011, after graduating with an Honours Degree in Finance, Investment and Risk from Glasgow Caledonian University.
Since joining Caledonian Giovanni has built up strong relationships with existing and new clients whilst demonstrating his skills as an exceptional financial adviser. He advises on all aspects of financial planning and acts as a mentor to our less experienced advisors.
In 2020 Giovanni was appointed to the Board of Directors for Caledonian.
We welcomed Colin to Caledonian in 2020. Colin works with a variety of clients and has over 28 year’s experience within financial services.
Michelle began her career with Caledonian in 2003 and is a valued member of our team. Although responsible for the overall running of the office Michelle still enjoys working relationships with many of our clients and to this day is still their first port of call.
Michelle is very experienced in all areas of financial administration to Certificate in Administration and Certificate in Mortgage Advice.
Caledonian is delighted to have Emma as an office administrator.
Caledonian is delighted to have Amy as an office administrator.
Caledonian is delighted to have Joseph as an office administrator.
Caledonian is delighted to have Greg as an office administrator.
Treating customers fairly (TCF) is central to the delivery of The Financial Conduct Authority (FCA) retail regulatory agenda, which aims to ensure an efficient and effective market and thereby help consumers achieve a fair deal.
Firms must be able to demonstrate that they are consistently delivering fair outcomes to consumers and that senior management are taking responsibility for ensuring that the firm and staff at all levels deliver the consumer outcomes relevant to their business through establishing an appropriate culture.
Caledonian Financial Management fully supports the Financial Conduct Authority TCF initiative and believes it satisfies the six consumer outcomes which are summarised below:
Consumers can be confident that they are dealing with firms where the fair treatment of customers is central to the corporate culture.
Products and services marketed and sold in the retail market are designed to meet the needs of identified consumer groups and are targeted accordingly.
Consumers are provided with clear information and are kept appropriately informed before, during and after the point of sale.
Where consumers receive advice, the advice is suitable and takes account of their circumstances.
Consumers are provided with products that perform as firms have led them to expect, and the associated service is of an acceptable standard and as they have been led to expect.
Consumers do not face unreasonable post-sale barriers imposed by firms to change product, switch provider, submit a claim or make a complaint
Our Client Agreement and Key Facts about our services and costs will be provided to the client prior to business being transacted so that the relationship between the client and the firm is clearly stated and understood. This will normally take place at the first meeting.