About
Why we started New Chapter
We are Ross Carter and Kris Steel, two Chartered Financial Planners who believe financial planning should start with your life, not your money. This is why we built a business around that idea.
Where we started
Having both worked in the profession for a number of years, we gradually worked our way from paraplanning roles into fully qualified financial planners at a small, independent lifestyle financial planning business in Edinburgh. It was here that we first learned what proper financial planning actually looks like, and discovered first hand how powerful that approach can be.
Over the past few years, we watched the profession around us change. Financial planning firms we admired were bought and sold, and priorities that once felt obvious — people before money, planning before products — got harder to hold onto. We did not set out with a grand plan to build our own business. But we feel there is room for one built around the kind of financial planning we believe in, where people come before products.
Why "New Chapter"
Every client we work with is starting some kind of new chapter of their own: stepping into retirement, stepping back from work on their own terms, or simply deciding to take their finances seriously for the first time. We liked a name that reflected that.
It felt right for another reason too: starting this business was very much our own new chapter as well.
Chartered Financial Planners
Between us, we bring over 15 years of experience in financial planning, across pensions, tax planning, investments, protection and retirement income.
Kris Steel
Chartered Financial Planner & Director
FPFS
Ross Carter
Chartered Financial Planner & Director
APFS
Built to last
The culture behind the business matters to us too. We want New Chapter to be a positive, fun, supportive place to work that is built on trust and our shared values.
As the business grows, we want to do that carefully: bringing in people who share our approach, supporting them to develop, and making sure growth never comes at the expense of the quality of our advice or the relationships we have with clients.
That is why we are building New Chapter for the long term, not to grow it quickly and sell it on. Proper financial planning requires a long-term approach, and we believe the business behind it should too.
We want this to be a business that is still here for the clients who have trusted us from the beginning, and for the generations after them, for as long as they need us.