Business Owners & Directors
Remuneration structuring, pre-tax corporate pension contributions, profit extraction, key person protection, and succession planning for Scottish commercial leaders.
Explore Corporate Solutions →
★★★★★
5.0 ★ · 9 Google reviews
Senior Partner Practice of SJP
Bespoke Wealth Management & Retirement Planning in Edinburgh
Led by Erin Mason, DipPFS BSc (Hons), we provide personal, face-to-face financial planning from Melville Street—combining high-touch advisory with the institutional security of St. James's Place.
Erin Mason, DipPFS BSc (Hons)
Principal & Financial Planner
Office
Melville St, Edinburgh
£240.8bn
Client Funds Under Management
1,000,000+
Clients Entrusted Across the UK
100% Guaranteed
Formal SJP Advice Suitability
The St. James's Place Guarantee
Suitability of advice is fully guaranteed when recommending Group wealth products and funds.
Tailored Advisory Tracks
Advisory Tailored to Your Circumstances
Financial planning is rarely one-size-fits-all. We structure bespoke strategies around distinct professional demands and lifecycle milestones.
Advice for Women
Closing the gender pension gap, navigating career pauses or business ownership, and structuring proactive longevity financial strategies for independent peace of mind.
Read Women's Advisory →Private Clients & Families
Multi-generational wealth preservation, discretionary portfolio allocation, tax-efficient ISAs and onshore/offshore bonds, and inheritance tax mitigation.
Discover Private Wealth →Retirement & Later Life
Navigating pension freedoms, sustainable drawdown modelling, sequencing risk management, and structuring stable retirement income schedules.
Plan Your Retirement →
Editorial Case Study · Playbook Variant A
The Impact of Strategic Advice: An Edinburgh Case Study
“Working with Erin transformed how we manage commercial surpluses. She structured our corporate pension contributions directly from company pre-tax profits, reducing our Corporation Tax liability while protecting our family's long-term lifestyle. Her advice is grounded, completely transparent, and deeply personal.”
£185,000
Corporate Pension Extraction Structured
48%
Scottish Top-Rate Tax Threshold Mitigated
100%
SJP Group Suitability Guaranteed
Unbundled Fee Breakdown for this Case
- Initial Advice Fee (Banded: 3% first £250k): Tiered Schedule
- Product Establishment Charge: 0.0% (Zero upfront)
- Ongoing Annual Advice Rate: 0.80% p.a.
- Initial Exploratory Consultation: £0 (Complimentary)
Holistic Wealth Solutions
Core Financial Planning Disciplines
Measurable, outcome-led advisory disciplines delivered with regulatory rigor and private-banking discretion.
Retirement Planning & SIPPs
Leveraging the £60,000 annual allowance, 3-year statutory carry forward, pension consolidation, and personal pension architectures tailored to Scottish tax reliefs.
Learn More →Tax-Efficient Investment & ISAs
Maximising £20,000 ISA allowances, Junior ISAs, onshore/offshore life bonds, and multi-asset portfolios monitored under SJP’s "Select, Monitor, Change" philosophy.
Learn More →Inheritance Tax & Estate Planning
Mitigating 40% estate duty through standard nil-rate (£325k) and residence nil-rate (£175k) bands, annual gift allowances, trust arrangements, and life policies in trust.
Learn More →Corporate Protection & Key Person
Shareholder cross-option agreements, Relevant Life Policies that qualify as allowable business expenses, and key person policies shielding commercial trading balance sheets.
Learn More →Intergenerational Wealth
Guiding family wealth transitions smoothly, helping children onto the Scottish property ladder with equity structures, and establishing long-term generational security.
Learn More →Banking, Cash & Mortgages
Access to specialist lending panels, residential and commercial mortgages, and cash deposit solutions optimizing yield while maintaining FSCS multi-bank protection.
Learn More →
Structured Advisory Journey
Our Four-Stage Planning Process
A calm, transparent journey from initial discovery through to annual fiduciary stewardship.
1. Exploratory Discovery
A complimentary, confidential initial conversation at our Melville Street office, via video, or at your home to map out your life vision, assets, and liabilities.
2. Bespoke Modelling
Technical cash-flow forecasting and tax analysis by our Edinburgh paraplanning team, testing how your wealth performs across varying inflation and tax scenarios.
3. Tailored Implementation
Clear, written recommendations with an unbundled fee breakdown. Executed smoothly under the formal St. James's Place Guarantee of advice suitability.
4. Ongoing Stewardship
Regular annual face-to-face reviews on Melville Street to adapt your plan as Scottish tax regulations, UK budgets, and personal family priorities evolve.
Edinburgh Practice Team
Personal Advisory Grounded in Edinburgh
We reject impersonal call centres. You work directly with qualified professionals who know your name and understand your goals.
Erin Mason
Principal & Financial Planner · DipPFS, BSc (Hons)
Founder and lead financial planner of Erin Rose Financial. Erin holds the Diploma in Regulated Financial Planning and a Bachelor of Science with Honours. Having transitioned from a successful career in senior health club management, she brings exceptional interpersonal empathy, active listening, and rigorous problem-solving to wealth planning.
Erin lives in Edinburgh with her two daughters. As an active business owner herself, she has authentic, first-hand insight into the commercial pressures facing company directors and entrepreneurs.
Gemma Scott
Partnership Support Specialist
Gemma joined Erin Rose Financial in May 2024, contributing over 20 years of dedicated financial services administrative expertise. She oversees client onboarding, scheduling, and day-to-day practice coordination.
Daniel Wakefield
Paraplanner
Daniel provides technical research, cash-flow modelling, and suitability report drafting for Erin Rose Financial and affiliated St. James's Place partners, ensuring every strategy is analytically robust.
Our Guiding Practice Values
- 1. Not Just a Number: Compassion, warmth, and dignity in every financial discussion.
- 2. Open Conversations: Jargon-free clarity where every question is valued.
- 3. Knowledgeable Professional: Impeccable procedural integrity and qualifications.
Client Feedback
Client Experiences & Verified Feedback
Authentic, unedited reviews from local Edinburgh clients, business owners, and retirees.
★★★★★
“Erin is a great FA. When I came to her, I had very vague ideas around how to manage finances and investments, and she very quickly made recommendations that suited me well. She is very responsive and quick to help when circumstances change. Would have no hesitation recommending Erin to anyone. Thanks Erin!”
★★★★★
“Erin is friendly and approachable and really helpful in communicating my various financial options. She is good at explaining various financial strategies to those who don't speak finance very well and I'd recommend her without a doubt. I feel confident taking her advise and am very happy to be working with Erin, and envisage this being a long term partnership.”
★★★★★
“Erin is extremely knowledgable in her field and is a great source of information - especially for new clients. I feel I’ve been given good quality advice which has been tailored to my current circumstances/lifestyle. The pros and cons of each piece of advice were explained clearly and I left feeling confident in making decisions for my financial future.”
★★★★★
“Astute, proactive and sensitive to my preferences, Erin has given me control and clarity over my finances. I initially worked with her on my pension and she now supports me in a couple of additional areas as well. Her ability to connect my financial goals with her knowledge of the financial world and make simple to understand, simple to implement recommendations is a great support. A pleasure to work with - I highly recommend.”
★★★★★
“Erin provided a clear and professional service. She spent time exploring my background, my future plans and providing personalised financial planning advice. I received an excellent service and felt I was being lead by an experienced and knowledgeable advisor. I would certainly recommend speaking with her when considering your financial health and planning.”
5.0 ★ Rating
Based on verified client reviews on Google Places. We take pride in building genuine, long-term partnerships across Edinburgh and Scotland.
Radical Transparency
Transparent Fees & Common Enquiries
Clear, unbundled initial and ongoing fee structures with zero hidden surprises or lock-ins.
Unbundled Initial Advice Schedule
| Investment Tier | Initial Advice Fee | Product Charge |
|---|---|---|
| First £250,000 | 3.0% | 0.0% |
| Next £250,000 (£250k–£500k) | 2.0% | 0.0% |
| Amounts exceeding £500,000 | 1.0% | 0.0% |
| Exploratory Meeting | £0 (Free) | 0.0% |
| Ongoing Annual Advice | 0.80% p.a. | 0.27%–0.35% p.a. |
*Initial consultations are completely free. If advice does not result in an investment or implementation, zero fee is payable.
Interactive Advice Fee Estimator
Enter your anticipated investment amount to view the unbundled fee breakdown instantly.
£
Effective Initial Advice Rate:
2.71%
Total Initial Advice Fee:
£9,500
Initial Product Entry Charge:
£0.00 (0.0%)
Ongoing Annual Advice (0.80%):
£2,800 / year
Frequently Asked Questions
Direct, factual answers to help you make informed decisions.
What is a Senior Partner Practice of St. James's Place?
Erin Rose Financial is an Appointed Representative and Senior Partner Practice of St. James's Place Wealth Management. This status provides our clients with personal, face-to-face boutique advisory combined with the immense scale, financial strength (£240.8bn funds under management), and regulatory security of a FTSE-listed wealth manager. Crucially, St. James's Place formally guarantees the suitability of the advice given by our practice when recommending Group products.
How does Scottish Income Tax affect my pension contributions?
Scottish taxpayers face differentiated income tax bands, including the 42% Advanced Rate and the 48% Top Rate on earnings over £125,140. Strategic pension contributions made through a SIPP or corporate employer structure can be deducted against top-slice income, delivering up to 48% relief in Scotland and mitigating the punitive 60% effective marginal tax trap that occurs between £100,000 and £125,140 as the Personal Allowance tapers.
Are initial consultations free and without obligation?
Yes. Our first exploratory meeting—whether conducted in our Edinburgh Melville Street boardroom, at your home across central Scotland, or via secure video call—is entirely without charge and carries zero obligation. We only agree upon formal implementation fees once a bespoke plan is delivered and agreed upon in writing.
How are ongoing investments monitored and managed?
St. James's Place employs a proprietary "Select, Monitor, Change" philosophy. Instead of employing in-house fund managers who may become complacent, SJP contracts world-class external fund management firms. These managers are continuously monitored by an independent Investment Committee. If a manager underperforms, they are replaced without our clients triggering personal Capital Gains Tax liabilities.
Complimentary Exploratory Discussion
Start the Conversation with an Exploratory Meeting
Whether you prefer to visit our office at 18-22 Melville Street in Edinburgh, meet at your home across central Scotland, or connect via private video consultation, we welcome the opportunity to discuss your financial roadmap.