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Financial Services

All your financial services needs can be taken care of by our team of professional, qualified advisers. We are regulated by the Financial Conduct Authority and as such you can be assured that our dealings with you will be both efficient and relate specifically to your requirements.

  • Call us
    • MacDonald Partnership

      Inverness: 01463 223555
      Wick: 01955 605308

    • Rankin Risk Solutions

      Perth: 01738 509990

    • AbbeySpring Hill

      Fife: 01592 756711

    • Commercial and Agricultural Insurance Brokers

      Arbroath: 01241 870303


There are no high-pressure sales tactics employed by our Financial Services advisers, just sound advice being delivered in an understandable, friendly manner to help you plan for your future and perhaps that of your family. As a family business, we understand the importance of planning for the future and we will help you do the same.

Should it be practical, a member of our team could arrange to visit you at home or at your place of work should this be more convenient.

Below are just some of the areas that our Financial Services team can assist you with.

Contact us

The MacDonald Group is made up of four businesses. Together we make one bigger, stronger and more agile Independent Insurance Broking and Financial Services business under the name of MacDonald Group.

Our Services

Working & Saving

This section of our site contains guides and calculators on income tax and traditional savings products, such as bank, building society and deposit accounts as well as ISAs.

Health & Family Life

Life Insurance

The aim of life assurance cover is to provide money for people who financially depend on you. For example, if you still have a mortgage, if you have children or if you have business debts.

If there is no one who will be financially distressed by your death, life assurance is probably not essential, though there are other reasons why it would be useful.

Health Insurance

These days, for people of working age, good health is the normal state, and few people consider what would happen if , due to ill health, their career was interrupted or even stopped. There are a number of insurance covers that can help you should you fall ill, including:

  • Critical Illness Cover
  • Long term care
  • Income Protection
  • Medical Insurance

Pensions and retirement

Pensions are financial tools whose purpose is the provision of money in old age.

Because it is considered good public policy to try and get people to save for their own retirement (rather than rely on the State) pension funds are given special tax treatment.

Over the years, however, governments have changed the system so much that it is all highly complex (much more complex than it should be).

Following the link below, you will be taken to sections that give a basic guide, but because of the complexity, professional advice is essential.

Investing & Personal Wealth

Most people want investments which are safe, in the sense that they cannot fall, and which offer high returns. This ideal combination is not available. Beware anyone who claims otherwise.

Sensible investment planning revolves around understanding what your investment aims are.

Speaking to an expert will help you choose the right investments in order to help you meet your objectives.

Passing on wealth

Following the link below will provide you with information on why you should write a will and keep it up to date, and an explanation of current inheritance tax rules. Our calculator will help you estimate your estate’s liability to inheritance tax. Good tax planning can reduce this liability.

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OFFICE JUNIOR REQUIRED! For a fast growing, busy Insurance Brokers office in Inverness. This is an excellent opportunity for someone looking for their first role within an office environment as full training will be provided, however, basic computer skills are essential along with a ‘can do attitude’. Duties will include

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Inside this issue: Insurance premiums on the increase Managing Small Fleet Risk Export market opens up for SMEs Landlords! Are you ready for the new energy rules? MacDonald Group – Spring Cover Notes >

Rankin Risk Solutions 3 year sponsorship deal.
Perth Curling is delighted to announce a new three-year deal with leading insurance specialists Rankin Risk Solutions to sponsor the Perth Curling Super Leagues. The Rankin Risk Solutions Super League is the most competitive club league in Europe and is one of the oldest curling leagues in Scotland, the four

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