Scott & Associates Financial Planning

Scott & Associates Financial Planning Helping individuals and businesses achieve the financial position they want to be in. It all starts with one-to-one, face-to-face advice. The 'St.

Our services include retirement planning, investment planning, as well as protecting you and your estate. Financial decisions are often some of the hardest you’ll have to make. We pride ourselves in being able to assess a situation and provide you with advice, guidance and recommendations in order to make those decisions confidently. Often very few people have the time or the inclination to organi

se their financial affairs most effectively. This is hardly surprising, since the financial world we live in is highly complex and ever changing. At one time or another, most of us will need to seek some help. We provide the very best financial advice in a wide variety of areas, including:

Retirement Planning
Protection
Investment Planning
Estate and Tax Planning

Our aim is to build long term relationships and be the 'one stop shop' for all of our clients with any financial matter. We support our clients during life changing events and will regularly asses and adjust any plans to achieve the goals set out by our clients. All initial meetings are without obligation. Please feel free to get in touch and see how we can help you.

01732 897960
[email protected]

Scott & Associates Financial Planning 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). James's Place Partnership' and the titles 'Partner' and 'Partner Practice' are marketing terms used to describe St. James's Place representatives.

We want to wish Jack a very Happy Birthday! You have been a credit to Scott & Associates this year. We hope you have a n...
24/08/2026

We want to wish Jack a very Happy Birthday! You have been a credit to Scott & Associates this year. We hope you have a nice day.

At a glance:*If you die without a valid Will, the rules of intestacy set out who inherits your estate.*For unmarried cou...
19/08/2026

At a glance:

*If you die without a valid Will, the rules of intestacy set out who inherits your estate.

*For unmarried couples, a surviving partner would have no entitlement to their partner’s estate unless this wish had been explicitly documented in a valid Will.

*For cohabiting couples, how you own your home matters. If owned as joint tenants, the whole property will automatically pass to the surviving partner on death.

Read the rest of the article here:
https://www.derekscott.co.uk/article/detail/sjpp/where-theres-a-will-theres-a-say.html

Last Thursday, the team went to play Padel. We then ended the night with a lovely tapas!
10/08/2026

Last Thursday, the team went to play Padel. We then ended the night with a lovely tapas!

We would like to wish our lovely principle Derek a very Happy Birthday. It is a pleasure to work for you. We hope you ha...
30/07/2026

We would like to wish our lovely principle Derek a very Happy Birthday. It is a pleasure to work for you. We hope you have a wonderful day celebrating!

At a glance:*Protecting your family is often low on a busy to-do list, yet it’s a fundamental part of any family’s finan...
16/07/2026

At a glance:

*Protecting your family is often low on a busy to-do list, yet it’s a fundamental part of any family’s financial plan – and financial resilience.

*Financial protection such as insurance cover helps ensure that you and your family will be able to pay bills, maintain your lifestyle and safeguard your savings, should the worst happen.

*A financial adviser can help you make sure you have the right level and type of protection for you, both now and in the future.

Read the rest of the article here:
https://www.derekscott.co.uk/article/detail/sjpp/what-is-protection-and-why-do-i-need-it.html

Happy Birthday to our lovely Sarah! We hope you enjoy your day & celebrations.
05/07/2026

Happy Birthday to our lovely Sarah! We hope you enjoy your day & celebrations.

At a glance:*Pensions UK’s latest Retirement Living Standards (RLS) update shows the nation is not saving enough for ret...
25/06/2026

At a glance:

*Pensions UK’s latest Retirement Living Standards (RLS) update shows the nation is not saving enough for retirement.

*Fewer than one in four (23%) are on track for a ‘moderate’ standard of living in retirement. This falls to just 9% on track for a ‘comfortable’ retirement3.

*Increases in the cost of living, particularly food, energy and transport, have significantly pushed up the annual income required for a comfortable old age.

Read the rest of the report below:
https://www.derekscott.co.uk/article/detail/sjpp/pensions-uk-report-figures-paint-dire-picture-of-nations-saving.html

At a glance:*Most long-term investment options for children and grandchildren, such as junior ISAs, personal pensions an...
10/06/2026

At a glance:

*Most long-term investment options for children and grandchildren, such as junior ISAs, personal pensions and accounts held in trust, are subject to specific access rules.

*Savings accounts may be more suitable, particularly if money is likely to be needed in the short term.

*Parents and grandparents should consider making full use of a child’s available allowances where appropriate, while keeping their own estate planning goals in mind.

*Many parents worry that their children will struggle to find their financial feet in the current environment. Concerns include the flagging jobs market and inadequate retirement savings. Meanwhile, high house prices make it increasingly difficult to take the first step onto the property ladder. These are all factors driving fears that younger generations will face a tougher financial future.

*However, there are a variety of investment and saving tools for parents and grandparents who want to support children and grandchildren in building financial foundations. Here we explore some of the main options available.

https://www.derekscott.co.uk/article/detail/sjpp/saving-and-investing-for-children-and-grandchildren.html

Hi everyone, my name is Carrie and I am the Paraplanner for Scott & Associates. Prior to joining St. James’s Place in 20...
05/06/2026

Hi everyone, my name is Carrie and I am the Paraplanner for Scott & Associates. Prior to joining St. James’s Place in 2010, I spent 10 years working in the banking industry and have now worked alongside Derek for over a decade.

Outside of work, I enjoy travelling and attending music festivals. Before becoming a grandmother to my lively grandson, I dedicated time to volunteering, including helping care for elephants at a local animal park and supporting underprivileged children while volunteering in Uganda.

I have been a cold-water swimmer for several years also, and now enjoy sharing my love of swimming with my grandson.

Address

Suite 28, 30 Churchill Square
West Malling
ME194YU

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

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