Wells Gibson Creating Financial Peace of Mind
We’re here to help you create financial peace of mind and live a fulfilled and meaningful life.
Contents Introduction 1 1 Cashflow 3 2 Risk 5 3 Borrowing 7 4 Investing 9 5 Tax 12 6 Legacy 14 7 Giving 16 Summary 18 About the Book 19 About Jonathan M. Gibson 21 3 Jonathan M. Gibson CFP™, Chartered Fellow (Financial Planning) www.wellsgibson.uk
1 Introduction “Real wealth is about much more than money and possessions. Real wealth is a fulfilled and meaningful life.” Financial planning differs from financial advice as financial planning is forward looking; it’s strategic and it ’s comprehensive. It incorporates three key elements: 1 Life planning (defining your purpose and goals). 2 Financial strategies (e.g. creating, preserving and transferring wealth). 3 Solutions (e.g. sourcing and recommending financial products and investments). Some people see money as a huge obstacle which can make them shy away from dealing with it or talking about it. However, it’s essential, if you want to plan for your financial future. If you are free from worrying about your financial future, it will allow you to make the most of today. You never know what’s going to happen. What I’ve come to realise is that if we approach our money, as well as our time and talents, with integrity, we’re more likely to find contentment. 4 Jonathan M. Gibson CFP™, Chartered Fellow (Financial Planning) www.wellsgibson.uk
1 2 Introduction What do I mean by integrity? The concept of integrity is dealing fairly with others and asking yourself, “How can I make best use of the time, “Real wealth is about much more than moneytalents and money entrusted to me?” and possessions. Real wealth is a fulfilled and meaningful life.”When you work with a Financial Planner who puts your life at the centre of their conversations with you, you can expe ct a Wealth Plan which will answer your big questions and help you be financially well organised so you are Financial planning differs from financial advice asprepared for your future. financial planning is forward looking; it’s strategic and it ’s comprehensive.This ebook will briefly consider seven financial planning areas that you need to focus on and approach with It incorporates three key elements: wisdom. Life planning (defining your purpose and goals).They are: 1 2 Financial strategies (e.g. creating, preserving and1234 5 6 7 transferring wealth). Cashflow Risk Borrowing Investing Tax Legacy Giving 3 Solutions (e.g. sourcing and recommending financial products and investments). I’ll explain not only why these areas require a wise and strategic approach, but also give you advice to help you Some people see money as a huge obstacle which canput that kind of approach in place. make them shy away from dealing with it or talking about it. However, it’s essential, if you want to plan for your financial future. * Remember it is wise to consult with a highly qualified Financial Planner. A trusted Financial Planner will act as If you are free from worrying about your financiala sounding board and provide impartial second opinions. future, it will allow you to make the most of today. YouImportantly, your Financial Planner will stop you from never know what’s going to happen. doing the wrong things, at the wrong time and for the wrong reasons. What I’ve come to realise is that if we approach our money, as well as our time and talents, with integrity, we’re more likely to find contentment. 5 Jonathan M. Gibson CFP™, Chartered Fellow (Financial Planning)Jonathan M. Gibson CFP™, Chartered Fellow (Financial Planning) www.wellsgibson.uk www.wellsgibson.uk
3 Looking at your cashflow on a purely 1 Cashflow month-by-month basis isn’t enough When I talk about cashflow planning as a financial strategy, I’m talking about financial forecasting and helping you work towards living a fulfilled and meaningful life. Not only looking at the cost of your lifestyle today but trying to anticipate the cost of your lifestyle tomorrow. Looking at your cashflow on a purely month-by-month basis isn’t enough. Your income will change t hroughout your life, as will your expenses, and you need to plan for that. Cashflow is about financial forecasting and looking to the future, rather than basing your budget on your past. Cashflow planning also reveals what options are available to you in the future. Cashflow planning looks at your unique, overall circumstances, desired lifestyle and aspirations. Your timeline is an essential element of cashflow planning and financial forecasting because it’s helping you to prepare for your life’s transitions. This involves thinking about the different stages of your financial life – the savings years, spending years and later life years. It’s about considering milestones, such as your children leaving home to go to university, or life’s transitions, such as selling your business or leaving paid employment. 6 Jonathan M. Gibson CFP™, Chartered Fellow (Financial Planning) www.wellsgibson.uk
3 1 Cashflow When I talk about cashflow planning as a financial strategy, I’m talking about financial forecasting and helping you work towards living a fulfilled and meaningful life. Not only looking at the cost of your lifestyle today but trying to anticipate the cost of your lifestyle tomorrow. Looking at your cashflow on a purely month-by-month basis isn’t enough. Your income will change t hroughout your life, as will your expenses, and you need to plan for that. Cashflow is about financial forecasting and looking to the future, rather than basing your budget on your past. Cashflow planning also reveals what options are available to you in the future. Cashflow planning looks at your unique, overall circumstances, desired lifestyle and aspirations. Your timeline is an essential element of cashflow planning and financial forecasting because it’s helping you to prepare for your life’s transitions. This involves thinking about the different stages of your financial life – the savings years, spending years and later life years. It’s about considering milestones, such as your children leaving home to go to university, or life’s transitions, such as selling your business or leaving paid employment. 7 Jonathan M. Gibson CFP™, Chartered Fellow (Financial Planning) www.wellsgibson.uk
4 Lifetime cashflow planning can answer questions such as: * Can I afford to stop working now or perhaps work part- time and stop working in three years’ time? * When can I afford to stop working? * Can I afford to give each of my children £25,000 to help with a deposit for a house? * How much do I need to sell my business for? * What return do I need from my investments to achieve financial independence and live the life that’s important to me? * How much life insurance do I need to ensure my family is provided for and my spouse can continue to live their desired lifestyle? Therefore, cashflow planning and financial forecasting need to be meaningful and will require us to make three important, reasoned and reasonable assumptions with regards to your financial future: 1 Inflation. 2 Interest on savings. 3 Return on investments. When you take this whole-of-life approach to your cashflow, it puts you in a much stronger position. It gives you the clarity to visualise what your financial future could look like and the options available to you leads to greater contentment so you are less anxious about tomorrow, and provides the certainty of knowing you can secure all that you value. 8 Jonathan M. Gibson CFP™, Chartered Fellow (Financial Planning) www.wellsgibson.uk
Our mission is to give you clarity, contentment, and certainty 9
5 2 Risk Risk is a vital area to consider but one that many people underestimate. We all need protecting against the unexpected and eliminate the potential risks from long-term illness, disability and death by transferring the risk to insurance companies. Your assets can be exposed to risks from illness, disability, death, relationship breakdowns, taxation and business disruption (if you’re a business owner). The key thing is to identify where the potential risks are in your life, then define which risks can be mitigated by financial products, and determine how much risk is prudent and how much is too much. The idea of protecting yourself from risk isn’t new – it’s a feature of many parts of our lives. We have car insurance in case we’re involved in an accident. We have home insurance in case of fire, theft and flood. We have travel insurance in case flights get cancelled. The list goes on. Another way of looking at risk and wealth protection is that it provides for the people you love, the people who are important to you. 10 Jonathan M. Gibson CFP™, Chartered Fellow (Financial Planning) www.wellsgibson.uk
5 6 2 Risk What you’re doing by taking these steps is securing the wealth that you’ve worked hard to accumulate. You should also evaluate the financial products you have as you go Risk is a vital area to consider but one that many peoplethrough life. underestimate. Remember that forward planning is vital to ensuring that We all need protecting against the unexpected and eliminateyou have choices around how you pay for care. the potential risks from long-term illness, disability and death by transferring the risk to insuranceTaking the time to speak to a Financial Planner who companies. specialises in financing care and navigating th rough the system can pay dividends in the future. Your assets can be exposed to risks from illness, disability, death, relationship breakdowns, taxation and business disruption (if you’re a business owner). The key thing is to identify where the potential risks are in your life, then define which risks can be mitigated by financial products, and determine how much risk is prudent and how much is too much. The idea of protecting yourself from risk isn’t new – it’s a feature of many parts of our lives. We have car insurance in case we’re involved in an accident. We have home insurance in case of fire, theft and flood. We have travel insurance in case flights get cancelled. The list goes on. Another way of looking at risk and wealth protection is that it provides for the people you love, the people who are important to you. 11 Jonathan M. Gibson CFP™, Chartered Fellow (Financial Planning)Jonathan M. Gibson CFP™, Chartered Fellow (Financial Planning) www.wellsgibson.uk www.wellsgibson.uk
Repaying debt enables flexibility and choice in your financial life 12
7 3 Borrowing There’s an important distinction to make when it comes to borrowing between long-term, lower-cost secure debt (like mortgages), and short-term, high-cost unsecured debt (like credit cards). The former can be useful to help you during your life, but the latter can be dangerous if you don’t keep it strictly under control. What you have to understand is that taking on too much debt can hurt your financial future. Repaying debt enables flexibility and choice in your financial life. The idea of saving up for something new appears to have disappeared because everything is available now. So-called interest-free credit deals are misleading as the cost of the credit has typically been rolled into the cost of the goods you are paying for over 24 months, for instance. It’s this kind of debt that’s expensive, and it’s this kind of debt that you want to avoid much more so than long- term, lower-cost, secure debt, like mortgages. If you have debt, your wealth plan needs a strategy to repay it. 13 Jonathan M. Gibson CFP™, Chartered Fellow (Financial Planning) www.wellsgibson.uk
8 I urge you to deal with any shorter-term, unsecured debt, like credit cards, before anything else, because that’s the kind of credit that’s more expensive. Once you’ve repaid your short-term, higher-cost, unsecured debt, you can start looking at your mortgage repayments, for example. The other key is to make sure that you’re not blind to your liabilities. It’s common for people t o look at their assets rather than their liabilities (like debt). We all like having savings and having money for a rainy day is important. However, using some of your savings to repay your debts might not make any difference to your net worth but it will bring flexibility and choice to your desired lifestyle. Some people see debt as a huge stumbling block and struggle to see how they can manage it, which can make them shy away from dealing with it or talking about it. However, with your Financial Planner, it’s essential to share everything and be authentic. Only then can you be in control of your debt, start accumulating wealth and planning for your financial future. 14 Jonathan M. Gibson CFP™, Chartered Fellow (Financial Planning) www.wellsgibson.uk
It’s common for people to look at their assets rather than their liabilities (like debt) 15
9 4 Investing What do we mean by ‘authentic investing’? Simple. It means smarter, more sensible investing. It means investments built on sound financial stewardship, it means never speculating to accumulate, and it means understanding the relationship between risk and return. This is the engine room of your Wealth Plan, that is, your financial future, so having an authentic investment strategy is absolutely essential for what comes next. By allowing the markets to do the heavy lifting – owning a well-diversified global portfolio that fits your needs, being patient and remaining disciplined through all market cycles – you give yourself, with the continued guidance of a trusted Financial Planner, every chance of success. Authentic, evidence-based investing will provide you with every chance of having a successful investment experience and outcome. This approach guarantees you can capture most of what is available by owning systematically managed funds. 16 Jonathan M. Gibson CFP™, Chartered Fellow (Financial Planning) www.wellsgibson.uk
9 10 4 Investing For me, authentic investing implies that it’s true, real, proper and right - it means a sensible, systematic approach to investing and starts with you accepting four What do we mean by ‘authentic investing’? Simple. It enduring beliefs: means smarter, more sensible investing. 1 Capitalism creates wealth. It means investments built on sound financial stewardship, it means never speculating to accumulate, and it means2 Markets work reasonably well. understanding the relationship between risk and return. 3 Risk and return are related. This is the engine room of your Wealth Plan, that is,4 Diversification manages risk. your financial future, so having an authentic investment strategy is absolutely essential for what comes next. Once you’ve accepted the above, enjoying a successful investment experience will require you to depend upon By allowing the markets to do the heavy lifting – owningfive practical imperatives: a well-diversified global portfolio that fits your needs, being patient and remaining disciplined through all market1 Portfolio structure - select the right assets and blend. cycles – you give yourself, with the continued guidance of a trusted Financial Planner, every chance of success. 2 Diversifying broadly – invest across assets, sectors, and regions. Authentic, evidence-based investing will provide you 3 Managing financial costs - remain systematic and with every chance of having a successful investmentminimise taxes. experience and outcome.4 Managing emotional costs - stay disciplined and don’t waver. This approach guarantees you can capture most of what is available by owning systematically managed funds. 5 Portfolio maintenance - rebalance the asset mix regularly. 17 Jonathan M. Gibson CFP™, Chartered Fellow (Financial Planning)Jonathan M. Gibson CFP™, Chartered Fellow (Financial Planning) www.wellsgibson.uk www.wellsgibson.uk
11 Chasing performance just adds to the complexity and stress involved and may well put long-term investment goals at risk. Taking specific risk on such a fund is simply a gamble. Next time you see an advert for a fund in the paper, avoid the siren calls and take a moment to reflect on the free, sensible, and seemingly boring advice it is obliged to provide: “Past performance is not a guide to future performance.” Authentic investing should be a core part of your Wealth Plan when seeking to live a fulfilled, purposeful and contented life. We don’t chase performance, we design Wealth Plans by being risk managers, so you can secure all that you value. Get in touch to find out more about our Authentic Investing Approach at [email protected] or book a call with the team here. 18 Jonathan M. Gibson CFP™, Chartered Fellow (Financial Planning) www.wellsgibson.uk
11 Authentic investing Chasing performance just adds to the complexity andshould be a core part stress involved and may well put long-term investmentof your Wealth Plan goals at risk. when seeking to live Taking specific risk on such a fund is simply a gamble.a fulfilled, purposful and contented life Next time you see an advert for a fund in the paper, avoid the siren calls and take a moment to reflect on the free, sensible, and seemingly boring advice it is obliged to provide: “Past performance is not a guide to future performance.” Authentic investing should be a core part of your Wealth Plan when seeking to live a fulfilled, purposeful and contented life. We don’t chase performance, we design Wealth Plans by being risk managers, so you can secure all that you value. Get in touch to find out more about our Authentic Investing Approach at [email protected] or book a call with the team here. 19 Jonathan M. Gibson CFP™, Chartered Fellow (Financial Planning) www.wellsgibson.uk
12 5 Tax Paying taxes comes back to the principle of integrity. We have to accept our responsibility for giving something back, paying our way in society and ensuring that goods and services are paid for. Whenever you’re dealing with tax, it’s very important to understand the distinction between tax evasion and tax avoidance. Tax evasion is illegal, however, legally there are things that y ou can do to reduce your tax liabilities. There’s a balance and new ways to avoid tax are emerging all the time. You have to be careful about what strategies you choose to implement and make sure you’re aware of the risks so you can determine whether these are risks worth taking. One main issue is most people aren’t aware of their annual tax allowances and exemptions. These allowances are all perfectly legal and, when used correctly, can help you reduce your current and potential tax liabilities. Often, these are things that people don’t even consider until they sit down with a Financial Planner. People are increasingly seeking Financial Planners to make wise financial decisions, rather than relying on tools or apps – they want to make smart decisions in all areas of their financial life. 20 Jonathan M. Gibson CFP™, Chartered Fellow (Financial Planning) www.wellsgibson.uk
12 13 5 Tax Your Financial Planner should fulfil the role of coach and mentor. You deserve and need guidance to make the most sensible choices for your circumstances. Paying taxes comes back to the principle of integrity. We have to accept our responsibility for giving something back, As I said before, I don’t think tax is bad, but I encourage paying our way in society and ensuring that goods andyou to use the allowances, exemptions and various services are paid for. strategies that are legally available to you, without taking risks that are not consistent with how much risk you are Whenever you’re dealing with tax, it’s very important towilling, able and need to take. understand the distinction between tax evasion and tax avoidance. Tax evasion is illegal, however, legally there are things that y ou can do to reduce your tax liabilities. There’s a balance and new ways to avoid tax are emerging all the time. You have to be careful about what strategies you choose to implement and make sure you’re aware of the risks so you can determine whether these are risks worth taking. One main issue is most people aren’t aware of their annual tax allowances and exemptions. These allowances are all perfectly legal and, when used correctly, can help you reduce your current and potential tax liabilities. Often, these are things that people don’t even consider until they sit down with a Financial Planner. People are increasingly seeking Financial Planners to make wise financial decisions, rather than relying on tools or apps – they want to make smart decisions in all areas of their financial life. 21 Jonathan M. Gibson CFP™, Chartered Fellow (Financial Planning)Jonathan M. Gibson CFP™, Chartered Fellow (Financial Planning) www.wellsgibson.uk www.wellsgibson.uk
14 6 Legacy “The greatest use of life is to spend it for something that will outlast it.” – William James, philosopher and educator. Legacy planning gives you the opportunity to make a difference to the lives of your loved ones. Any wealth you pass on could help your children or grandchildren at really crucial stages of their lives. When creating your Wealth Plan, I want you to think about what’s on the horizon for your children or grandchildren, for example: ey hoping to buy their first flat? * Are th * Are they going to university? * Will they be getting married sometime soon? * Are they trying to establish a business of their own? The wealth you leave them could make a real positive impact at these points in time. People feel inspired when they can see how their wealth could make a real difference through their legacy planning. 22 Jonathan M. Gibson CFP™, Chartered Fellow (Financial Planning) www.wellsgibson.uk
14 15 6 Legacy Once you know who you’ll be providing for, you need to know what assets you’re going to leave, calculate how much you’re going to leave, as well as how much you can afford to leave, and plan the best way to go about it. “The greatest use of life is to spend it for somethingIt’s only when you’ve understood the rest of your that will outlast it.” financial future that you can start to determine what you can pass on and to whom that will go. – William James, philosopher and educator. I think it’s alway s important to recognise that someone’s wealth represents the blood, sweat and tears of their life, and you have to make sure that it doesn’t just get wasted, Legacy planning gives you the opportunity to make a either when it’s passed on or by the next generation. difference to the lives of your loved ones. Any wealth you pass on could help your children or grandchildren at really crucial stages of their lives. When creating your Wealth Plan, I want you to think about what’s on the horizon for your children or grandchildren, for example: ey hoping to buy their first flat? * Are th * Are they going to university? * Will they be getting married sometime soon? * Are they trying to establish a business of their own? The wealth you leave them could make a real positive impact at these points in time. People feel inspired when they can see how their wealth could make a real difference through their legacy planning. 23 Jonathan M. Gibson CFP™, Chartered Fellow (Financial Planning)Jonathan M. Gibson CFP™, Chartered Fellow (Financial Planning) www.wellsgibson.uk www.wellsgibson.uk
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Real wealth is about much more than money and possessions. Real wealth is a fulfilled and meaningful life 25
16 7 Giving Generally, when I talk about giving, I talk about it in the financial sense. But giving isn’t just about money. It can also be about giving a fitting proportion of our time and our talents. The key is using our money and possessions, capabilities and energy, knowing that our time here on earth is short. We ought not to put off what our purpose in life calls us to do because we don ’t know when we will draw our last breath. How can giving benefit you? I believe that fulfilment and contentment come from giving, provided that it’s aligned with your purpose, your values and what and who is important to you. In many cases, you get the most joy from giving to a cause or community that’s directly related to your own story. A fresh way to approach giving is to put it ahead of creating your budget. Could you decide on what you want to give first, and then create your budget to allow for that expenditure on giving? Do you believe that giving is so important that you’d be prepared to say, “I’m going to give this amount and then my lifestyle will be dependent on what’s left”? 26 Jonathan M. Gibson CFP™, Chartered Fellow (Financial Planning) www.wellsgibson.uk
16 17 7 Giving It all comes back to the concept of living your life on purpose. Generally, when I talk about giving, I talk about it in the* What’s important in your life? financial sense. But giving isn’t just about money. It can also be about giving a fitting proportion of our time and* What is driving you to do the things you’re doing? our talents. The key is using our money and possessions, capabilities and energy, knowing that our time here on earth is short. “We make a living by what we get, we make a life by what we give.” We ought not to put off what our purpose in life calls us to do because we don ’t know when we will draw our last- Sir Winston Churchill. breath. How can giving benefit you? I believe that fulfilment and contentment come from giving, provided that it’s aligned with your purpose, your values and what and who is important to you. In many cases, you get the most joy from giving to a cause or community that’s directly related to your own story. A fresh way to approach giving is to put it ahead of creating your budget. Could you decide on what you want to give first, and then create your budget to allow for that expenditure on giving? Do you believe that giving is so important that you’d be prepared to say, “I’m going to give this amount and then my lifestyle will be dependent on what’s left”? 27 Jonathan M. Gibson CFP™, Chartered Fellow (Financial Planning)Jonathan M. Gibson CFP™, Chartered Fellow (Financial Planning) www.wellsgibson.uk www.wellsgibson.uk
18 Summary Real wealth is living a fulfilled and meaningful life, and we all need clarity, contentment and certainty to thrive. The seven financial planning areas I briefly explore in this e- book should be a core part of your lifetime Wealth Plan as you endeavour to live a fulfilled and meaningful life. It’s important to take a strategic approach to cashflow, risk, borrowing, investing, tax, legacy and giving to ensure that yo u are maximising each area and securing the wealth you have created, not only for yourself but also for your loved ones. Taking a strategic approach in each of these areas is much easier when you have a trusted partner at your side. Finding such a person who can not only give you the financial advice you require but also help you create your overall plan for a fulfilled and meaningful life can make all the difference. Our mission is to give you clarity, contentment, and certainty – clarity, so you can visualise what your financial future could look like and the options available to you – contentment, so you are less anxious about tomorrow – certainty, so you can secure all that you value. For a conversation about how these wise strategies might help you protect your wealth, book an Exploration Call or submit an enquiry for the team to contact you here: https://www.wellsgibson.uk/video-call/ To learn about these strategies in more detail, pick up your copy of my book, Purposeful Wealth, available now on Amazon: https://www.amazon.co.uk/dp/B08T42FNGM. 28 Jonathan M. Gibson CFP™, Chartered Fellow (Financial Planning) www.wellsgibson.uk
18 19 Summary About the Book Real wealth is living a fulfilled and meaningful life, and we“Purposeful Wealth: How to Bring Clarity, Contentment all need clarity, contentment and certainty to thrive.and Certainty to Your Financial Life” is available on Amazon. The seven financial planning areas I briefly explore in this e- book should be a core part of your lifetime Wealth PlanCoinciding with Wells Gibson’s seventh financial year, as you endeavour to live a fulfilled and meaningful life. I released the hardback version of Purposeful Wealth: How to Bring Clarity, Contentment and Certainty to Your It’s important to take a strategic approach to cashflow, risk, Financial Life. borrowing, investing, tax, legacy and giving to ensure that yo u are maximising each area and securing the wealth youAs a trusted Financial Planner, I share my personal story have created, not only for yourself but also for your lovedand first-hand experience of becoming a steward in both ones. business and personal life by introducing the idea that real wealth is about much more than money and possessions. Taking a strategic approach in each of these areas is much easier when you have a trusted partner at yourIn this book, I introduce the principles for living a fulfilled side. Finding such a person who can not only give you theand purposeful life, as well as sharing the key financial and financial advice you require but also help you create yourwealth planning strategies. I openly guide you through the overall plan for a fulfilled and meaningful life can make allconcepts of a rewarding life and authentic investing before the difference. sharing wise financial strategies and advice on how to implement each in your life. Our mission is to give you clarity, contentment, and certainty – clarity, so you can visualise what your financialI share my personal experiences, as well as my extensive future could look like and the options available to you –knowledge about wealth planning – gathered from contentment, so you are less anxious about tomorrow – decades of working in the sector – all with the aim of certainty, so you can secure all that you value.helping you to achieve a fulfilled and purposeful life, supported by the right trusted partner. For a conversation about how these wise strategies might help you protect your wealth, book an Exploration Call As Albert Einstein once said: “Not everything that can or submit an enquiry for the team to contact you here: be counted counts, and not everything that counts https://www.wellsgibson.uk/video-call/can be counted.” To learn about these strategies in more detail, pick up your copy of my book, Purposeful Wealth, available now on Amazon: https://www.amazon.co.uk/dp/B08T42FNGM. 29 Jonathan M. Gibson CFP™, Chartered Fellow (Financial Planning)Jonathan M. Gibson CFP™, Chartered Fellow (Financial Planning) www.wellsgibson.uk www.wellsgibson.uk
21 About Jonathan Gibson Jonathan is the Managing Director of Wells Gibson, where authenticity is the guiding force of the business. He has 25+ years of experience as an adviser for private clients and nearly 20 years of experience as a business owner. The mission at Wells Gibson is for all clients to enjoy clarity, contentment and certainty so they can live fulfilled and meaningful lives. Prior to establishing Wells Gibson, Jonathan was a co- founder and director of Verus Financial Planning, Dundee (est. 2005) and AAB Wealth, Aberdeen (est. 2011), two successful and award-winning businesses, which were established in conjunction with two leading firms of accountants. Jonathan is a Chartered Fellow (Financial Planning) of the Chartered Institute for Securities & Investment, and his qualifications include Certified Financial Planner™ Professional and Chartered Wealth Manager. Jonathan is married to Claire and has three daughters, Christina, Hannah and Katie. A member of St Peter’s Free Church, Dundee, he also enjoys playing golf and going to the gym when time allows. Contact details: Schedule an exploration call [email protected] https://www.wellsgibson.uk https://linktr.ee/jonathangibson 30 Jonathan M. Gibson CFP™, Chartered Fellow (Financial Planning) www.wellsgibson.uk
21 About Jonathan Gibson Jonathan is the Managing Director of Wells Gibson, where authenticity is the guiding force of the business. He has 25+ years of experience as an adviser for private clients and nearly 20 years of experience as a business owner. The mission at Wells Gibson is for all clients to enjoy clarity, contentment and certainty so they can live fulfilled and meaningful lives. Prior to establishing Wells Gibson, Jonathan was a co- founder and director of Verus Financial Planning, Dundee (est. 2005) and AAB Wealth, Aberdeen (est. 2011), two successful and award-winning businesses, which were established in conjunction with two leading firms of accountants. Jonathan is a Chartered Fellow (Financial Planning) of the Chartered Institute for Securities & Investment, and his qualifications include Certified Financial Planner™ Professional and Chartered Wealth Manager. Jonathan is married to Claire and has three daughters, Christina, Hannah and Katie. A member of St Peter’s Free Church, Dundee, he also enjoys playing golf and going to the gym when time allows. Contact details: Schedule an exploration call [email protected] https://www.wellsgibson.uk https://linktr.ee/jonathangibson 31 Jonathan M. Gibson CFP™, Chartered Fellow (Financial Planning) www.wellsgibson.uk
Creating Financial Peace of Mind The Pillars of Your Financial Plan 7 www.wellsgibson.uk