Carnethy Wealth

26/03/2026

We’ve done it again… 🎉

I’m genuinely delighted to share that I’ve been included in the VouchedFor Top Rated Financial Adviser Guide 2026 — featured in The Sunday Times 🗞️

Now, if you’re wondering… what actually is VouchedFor?

Think of it as the TripAdvisor for financial advisers. It’s a platform where real clients leave honest reviews about the advice and service they’ve received — no scripts, no fluff, just genuine feedback.

So being included in this guide isn’t something you can apply or pay for. It’s based entirely on consistent, high-quality client reviews over time.

Which is why this means so much.

To be listed again is a huge honour — and a real reflection of the trust my clients place in me every day.

And let’s be honest… in an industry that doesn’t always shout about doing things properly, recognition like this matters.

To everyone who has taken the time to leave a review, recommend me, or trust me with your financial future — thank you. It genuinely means a lot.

Here’s to continuing to do things the right way in 2026 👊

13/02/2026

New year, new Retirement Seminars... 😊 🚔

Carnethy Wealth continues to have the privilege of presenting at retirement seminars for police officers preparing for their next chapter.

Being invited to speak to those who’ve dedicated their careers to protecting others is something we don't take lightly. We’re genuinely humbled by the trust placed in us to guide retiring officers through their options—especially around investing and building long-term financial security.

These sessions are about informing. Helping officers understand what’s possible with their lump sums, pensions, and future income, so they can move forward with clarity and confidence.

It’s an honour to be part of this journey.

If you or someone you know is approaching retirement whether the public or private sector, we’re always happy to talk through the options—without obligation.

23/01/2026

💔Breaking up with bad financial habits can set you up for a better future. Here’s some habits to start changing:

🛍️Impulse purchases – clever marketing tactics can make us buy things we didn’t set out to purchase, and if you’re impulse buying regularly this will soon add up. Break the habit by writing a list, sticking to it and resisting temptation of discounts or offers.

🚫Not sticking to a budget… or not even having one! A budget will help you plan your spending on regular expenses, including your saving or other needs/goals. Break the habit by finding a budgeting plan that is realistic and works for you. Keep track by using a spreadsheet, notebook, or online banking app.


💀Neglecting your savings – saving might not be your priority right now, and that’s okay, but the longer you leave it, the less time you have for your money to grow. Break the habit by contributing little and often. Set up an automatic transfer if you need to!

🚗Letting your insurance policies and subscriptions renew unchecked – providers don’t always make it obvious that a better offer is available to you. Have another look at subscription plans or insurance policy quotes to re-evaluate the best option for you.

😖Putting off things that are more complex to you – The UK has a complicated tax system, so it’s okay not to understand all of it. But try to understand taxes that apply to you so that your money works more tax-efficiently. Consider speaking to a financial adviser to guide you through this.

🛣️Not having a financial plan based on your goals – it’s good to have direction, and even better to have a route to get there. Work out what your goals are, when you want to achieve them by, and how much money that will take. Then build a plan, bespoke to you and your circumstances, to get there.

Carnethy Wealth 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).

SJP Approved 21/1/2026

16/01/2026

Will jumped on The Business Babble recently to talk about money stuff without the boring bits 😄

We covered a number of useful topics including:
💡 Growing wealth the sensible way
🔁 Different ways to invest
🧭 And why having a plan for the future really matters

No hype. No jargon. Just practical financial planning that can work.

Big thanks to the Business Babble team for having me on 👏

If this has got you thinking about your own plans (or lack of one 👀), then now is the time to act!

Most business owners focus on growth, sales, and scaling… but completely ignore the one thing that actually determines whether they end up financially free o...

10/12/2025

Interesting to see that for the first time in 13 years of the Martin’s Lewis show on ITV, tonight will centre around not cash in banks, but investing.

I’m sure my fellow financial planner collegues across the industry will vouch that we have been trying to communicate the rewards and risks of investing for many years.

The UK over the past decades have been cash savers, with inflation and tax eroding its real value. Its good to see such a popular programme and podcast is tackling such an important topic.

We all wish to build meaningful personal wealth, which can support medium to longer term aspirations and future life events.



👍👌😂

Martin Lewis on Saving v Investing: which is right for you and how to do it…

13/11/2025

Pension Update: Tax-Free Lump Sum Stays

You may have seen the recent news confirming that the Government has ruled out changes to the 25% tax-free pension lump sum in the upcoming Autumn Budget.

Over the last few months, rumours were everywhere — “they’re cutting the tax-free lump sum”, “take it now while you still can”, “big changes coming”.
And during all that noise, my advice to clients was simple:

👉 Don't rush into taking a lump sum based on speculation.
👉 Let the facts catch up before making a big financial decision.
Now that clarity has arrived, those who avoided knee-jerk reactions are in a stronger, more flexible position.

What this means for you:
The ability to take 25% of your pension tax-free remains unchanged (up to a certain limit)

There’s no need to distort your retirement plan out of fear
You can make decisions based on strategy — not headlines
For many people over 40 with £250k+ in pensions, this is a timely reminder:

✅ Stay calm
✅ Block out the noise
✅ Review your plan with confidence, not panic

If you’re feeling unsure about whether your adviser is giving you the right guidance — or whether you should take your lump sum at all — a financial adviser can help.

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03/10/2025

🚀 We’re proud to share that Carnethy Wealth has been recognised as a Top Rated Firm on VouchedFor 2025 🎉

This means our clients have rated us highly for the advice, service, and support we provide — and that’s something we never take for granted.
At Carnethy Wealth, our focus has always been simple:
✔️ Clear, jargon-free advice
✔️ Putting clients’ goals first
✔️ Helping people retire with confidence

A huge thank you to our clients who took the time to leave reviews. Your feedback means the world and keeps us motivated to raise the bar even higher.

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25/06/2025

🌟 We're in the Guide! 🌟
We’re proud to share that Carnethy Wealth has been listed once again in the VouchedFor Top Rated Financial Advisers Guide, featured in The Telegraph – June 2025 edition!
This recognition is based on verified client reviews and a commitment to delivering trustworthy, high-quality financial advice. Thank you to all our clients who took the time to share their feedback — your support means everything. 🙌
Here’s to continuing to provide clarity, confidence, and calm in every financial journey. 🧭

www.carnethywealth.co.uk

20/06/2025

Did you know that we have some useful calculators on our website across investing to pensions and protection. These calculators can provide some useful information to allow you to plan your future.

Investing is a long-term process. The longer we leave our money invested, the more potential we have of achieving better returns. So why are we often inclined to leave it until the end of the tax y...

19/06/2025

Think it’s going to be a great day in Carnethy Wealth, sun is just about round the corner. WFH in the morning today, writing a couple of recommendations to help a few of my clients with their long term plans, then popping up to Kinross to have an informal coffee with a potential new client.

Tonight looking forward to attending a charity race night at East End Park.

What are you up to today?

14/06/2025

At Carnethy Wealth, we continue to have the privilege of presenting at retirement seminars for police officers preparing for their next chapter.

Being invited to speak to those who’ve dedicated their careers to protecting others is something we don't take lightly. We’re genuinely humbled by the trust placed in us to guide retiring officers through their options—especially around investing and building long-term financial security.

These sessions are about informing. Helping officers understand what’s possible with their lump sums, pensions, and future income, so they can move forward with clarity and confidence.
It’s an honour to be part of this journey.

If you or someone you know is approaching retirement whether the public or private sector, we’re always happy to talk through the options—without obligation.