The year in wealth: what 2025 taught us
Every year brings new challenges, opportunities, and lessons — and 2025 was no exception. As we reflect on the past 12 months, certain themes consistently came up in our conversations with clients across Scotland.
WHETHER IT WAS adapting to economic shifts – such as inflation’s slow retreat and the latest measures announced in the Autumn Budget – or planning more proactively for the future, here are a few key takeaways from the year:
Interest rates remain a key factor
After a period of sharp changes, interest rates continued to influence how clients managed cash, borrowing, and fixed income investments. We helped many people reassess savings strategies and review how rising – or, later in the year, stabilising rates – affected their portfolios.
Diversification pays off
With markets mixed across sectors and regions, 2025 reinforced the importance of maintaining balanced, global portfolios. Diversification remained one of the best ways to manage risk and capture long-term opportunity, especially during periods of uncertainty.
Family financial planning is on the rise
We saw more clients seeking joined-up advice across generations, from helping adult children onto the property ladder to gifting tax-efficiently or preparing for inheritance. Families are thinking more holistically about wealth and legacy.
Being proactive beats being reactive
Clients who reviewed their finances early – whether pensions, tax planning, or investment strategy – often found more flexibility and better results. Waiting too long can limit your options.
Looking ahead to 2026
As a chartered, independent firm, we support our clients through every financial season, helping them adapt with confidence, make informed decisions, and plan ahead with purpose.
We’ll be here in January to help you start 2026 with clarity, confidence, and a plan that works for you.
