We believe everyone deserves access to professional financial guidance, regardless of where they are in their financial journey.
civet-flow was founded in Edinburgh with a simple premise: financial advice should be accessible, transparent, and focused on long-term outcomes rather than product sales.
We work with individuals, families, and small businesses who want to take control of their financial future. Some clients are just starting out, learning to budget and save. Others are navigating complex situations like inheritance, business ownership, or retirement transitions.
What unites them is a desire for honest guidance from advisors who listen first and recommend second.
Financial services are often deliberately complicated. We strip away jargon and explain concepts in plain language. If you don't understand a recommendation, we haven't done our job properly.
Quick wins rarely build lasting wealth. We focus on sustainable strategies that compound over time, matching your timeline rather than chasing short-term market movements.
We don't earn commissions on products we recommend. Our advice is based solely on what serves your goals, not what generates the highest referral fee.
A financial plan isn't a document you file away. We stay engaged, adapting strategies as your life changes and keeping you accountable to the goals you've set.
Michael has spent 15 years helping Edinburgh families build financial security. He specializes in retirement planning and tax-efficient investing.
Alison focuses on portfolio construction and risk management. She works with clients to design investment strategies aligned with their goals and comfort level.
David guides clients through inheritance planning, trust structures, and intergenerational wealth transfer. He ensures your legacy reflects your values.
Every client relationship begins with listening. We ask about your goals, concerns, and current financial situation. From there, we analyze your position, identify opportunities, and build a customized plan.
Implementation happens at your pace. We guide you through each step, ensuring you understand why we're making each recommendation and what outcomes to expect.
Regular reviews keep you on track. As your life evolves, your financial strategy should too. We meet periodically to adjust plans, answer questions, and celebrate progress.
Our advisors hold recognized certifications including Chartered Financial Planner status and are registered with the Financial Conduct Authority. We adhere to strict professional standards and maintain continuous professional development to stay current with regulations and best practices.
We carry professional indemnity insurance and follow established compliance procedures to protect client interests.
Financial planning works best when it's collaborative. We're here to answer questions, explore options, and build strategies that fit your life.
Get in Touch