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AmberStone Financial Planning

Experience friendly, transparent, and tailored financial planning services. From wealth management to retirement planning, we help you secure your financial future.

About Us

Meet Craig Skinner FPFS, Your Financial Partner

Craig founded AmberStone Financial Planning with a clear mission; to provide friendly, transparent financial advice tailored to each client’s unique needs. As a Chartered Financial Planner and Fellow of the Personal Finance Society , Craig brings over a decade of experience in the financial services industry. 

Our understanding of financial planning, combined with a genuine passion for helping people, ensures that every client receives personalised, strategic guidance to secure their financial future. Whether you’re planning for retirement, looking to grow your investments, or safeguarding your wealth for future generations, we are committed to helping you make informed decisions with confidence and clarity.

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Chartered Financial Planner

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Fellow of the Personal Finance Society (FPFS)

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Over a decade of experience

What We Do

Tailored Solutions For Your Financial Future

At AmberStone, we help you take control of your finances with a clear, structured plan tailored to your goals. We provide ongoing support to keep your plan on track.

01

Retirement Planning

We can help you review your pension circumstance and implement a plan with your overall retirement goals in mind.

02

Investment Planning

We can assist with a broad range of investment options that will tie in with your financial aims and tax position.

03

Inheritance Tax Planning

We can help to minimise inheritance tax and protect your wealth for future generations with expert planning tailored to your needs.

04

Other Services

We can also help with personal and business insurance along with specialist investments and long term care planning, to provide you with financial security at every stage of life.

Testimonials

What Our Clients Have Said

We are trusted by our clients to provide expert financial guidance and peace of mind.

Slide

Review

by a verified client in Bristol

10 months ago

Overall

Advice

Service

Value

What were the circumstances that caused you to initially look for an adviser?

I was looking at setting up my own pension contributions as I am a contractor without access to a company pension scheme.

How has Craig Skinner helped you?

Craig helped me better identify my longterm saving goals and create saving and investment strategies to reach them.

Have you seen the outcome you were hoping for?

Craig’s work has been fantastic. Prior to working with him I had four old pension plans through previous jobs. He’s helped me centralize them into one fund to maximize their potential. He’s also provided quality advice on maximizing my tax free savings opportunities, to the point that my accountant – not affiliated with Coopers Associates – openly commended Craig’s work.

What could they have done better?

N/A. I’m very happy with the service Craig continues to provide me.

Slide

Review

by a verified client in Bristol

10 months ago

Overall

Advice

Service

Value

What were the circumstances that caused you to initially look for an adviser?

I wanted advice on my pension I was going to receive when I retire

How has Craig Skinner helped you?

Went through my options and explained everything in ways I understood

Have you seen the outcome you were hoping for?

Yes I have

What could they have done better?

Nothing I am more than pleased with Craig’s advice

Slide

Review

by a verified client in Hampshire

a year ago

Overall

Advice

Service

Value

What were the circumstances that caused you to initially look for an adviser?

Having retired I, along with my wife, had a need to review financial options going forward, and importantly understand the benefits of those options

How has Craig Skinner helped you?

Craig has outlined our options for consideration and we are confident his ongoing advice will keep us updated of changes in a complex financial world

Have you seen the outcome you were hoping for?

Yes most definitely.

What could they have done better?

Nothing at all

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FAQs

Comprehensive Answers To All Your Financial Planning Questions

What does a financial planner do?

A financial planner helps individuals and businesses manage their finances effectively, offering expert advice on investments, pensions, tax planning, estate planning, and wealth management. Their goal is to create a tailored strategy that helps clients achieve their financial objectives.

What is a Chartered Financial Planner?

A Chartered Financial Planner is a professional who has achieved the highest level of qualification in financial planning, awarded by the Chartered Insurance Institute (CII). This title signifies extensive knowledge, ethical standards, and a commitment to continuous professional development.

How is financial planning different from financial advice?

Financial advice typically focuses on recommending specific products, such as pensions or investment funds. Financial planning takes a broader approach, considering all aspects of your financial situation, goals, and future aspirations to create a long-term, structured plan.

Do I need a financial planner?

If you want to make informed decisions about your finances, plan for retirement, grow your wealth, or protect your assets, a financial planner can provide valuable insights and strategies tailored to your needs. Whether you’re an individual or a business, professional guidance can help you secure your financial future.

How do financial planners get paid?

Financial planners are usually compensated in one of three ways: fee-only (a fixed fee for services), commission-based (earning a percentage of products sold), or a combination of both. At AmberStone, we operate with transparency, ensuring our clients fully understand our fees before making any decisions.

What is tax-efficient financial planning?

Tax-efficient financial planning involves structuring your finances in a way that minimises tax liabilities while staying compliant with regulations. This can include using tax-efficient investment vehicles, making pension contributions, and strategically managing your income and assets.

When should I start planning for retirement?

The sooner, the better. Starting early allows you to take advantage of compound growth and tax benefits, but it’s never too late to improve your retirement strategy. A financial planner can help you assess your current situation and build a plan that ensures financial security in later life.

How do I choose the right financial planner?

Look for a qualified and regulated professional with credentials such as Chartered Financial Planner status. Check their experience, ask about their fee structure, and ensure they take a holistic approach to financial planning. At AmberStone, we focus on building long-term relationships based on trust, transparency, and tailored financial strategies.

Contact

Get In Touch

We’d be delighted to speak with you and always offer a free, no obligation chat to see if working together is the best way forward.

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