Statistic: In the UK, only 14% of adults have a financial plan for the years ahead, and only 4% plan in terms of decades. 

Do I have enough money for my retirement? Are the things I treasure most in life protected? Do I have enough for my daughter’s wedding? Can I go on that dream holiday? What happens if I’m ill?

Lifestyle planning is complicated because there are so many things that need to be considered. Also, when it comes to finances there are so many options it’s difficult to know which one is best for you. Let one of our experts guide you to a personalised lifestyle plan to help you to achieve your life goals and protect you from unexpected events.


At Johnston Campbell, our aim is to guide you through your financial life. For almost half a century our clients have trusted us to help them meet their goals. We don’t simply sell you products – we offer you tailored, flexible advice delivered with expertise and a high level of service. We will help you plan and manage your financial future by listening to your aims and working with you – and for you – to make them happen. 

Our simple approach helps you to understand what is important to you, what you want to achieve and then helps build a plan towards getting there. Your plan should also look at the threats that might appear along your journey that stop you achieving your aims.

What you need to know

There are a number of steps to achieving a personalised life plan and one of our experts will guide you through the complete experience.

  • We will work with you to understand your current income and expenditure and the current assets you have in terms of property pensions etc.
  • We will help you to define your short and long terms goals,
  • We will discuss your attitude to money and the level of risk you are comfortable with
  • We may use cash-flow software which will help map out your future and help you visualise how you can fund the life you want to achieve
  • We will write it up agree it with you and then work with you to keep you on track
  • We will also use our expertise to include a number of safety nets and provisions to give you the peace of mind that your future is being looked after.

You identify the lifestyle you are aiming for, and we help you to manage and accrue the finances you require to make your lifestyle goals a reality. 

Your planning will pass through various phases and have many components contributing to the overall success of your plan.  

Your circumstances will keep changing, so through ongoing review of your Personal Financial Plan, we work with you to achieve the optimum results at any given point in time. 

When we develop and implement your personal financial plan, we put safety nets in place, in the event of death, long-term illness, disability or long term residential care.

Saving for something special?

Within your financial plan, you will have goals that you are saving towards. Perhaps it’s education costs, a special anniversary or paying off your mortgage.

Knowing how much you want and when you need it is the first step towards achieving your aims. Try our savings calculator to begin that process, or give us a call.

(Currently 2% in the UK)
1 Years

This tool gives you an indication of how long it will take to reach your goal, or how much you need to regularly save to have your savings by a specific date. Results are an estimate and should only be used as such. You should seek financial advice and we would be delighted to help.

Based on what you told us

To reach your goal of


At an AER of


Over a period of


You will need to save


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Meet your team

We are a modern and progressive company built on a solid foundation of consistent expertise and professionalism. Our people have a reputation for going the extra mile, for their empathy and being passionate about what they do. In everything, you are put first and treated with honesty, courtesy and respect. It is only through trust and cooperation that we can understand and meet your expectations.


As part of the service, our clients receive a regular newsletter to help keep them informed and potentially offer solutions based on their plans. Sign up for free to receive our newsletter for 6 months.

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