Cala Investments Limited offers unbiased independent financial advice. We are based on the Moray Coast and cover the North East of Scotland and the Highlands & Islands.

Cala Investments Limited, established by Joe Macleman, will deal with every aspect of financial planning focusing mainly on Investments, Inheritance Tax, Estate Planning and Retirement Options.

Joe is a Fellow of the Personal Financial Society (FPFS). This is the very highest designation awarded by the PFS, a highly sought after qualification obtained by a very small percentage of advisers operating in the UK. He is also a Chartered Financial Planner.

While studying for these qualifications Joe achieved a Certificate in Discretionary Investment Management and the Advanced Pension Qualification.

Decisions should not be taken based solely on the content of the website and individual advice should be sought first.

Regulations, levels and bases of taxation are subject to change.

The firm is not responsible for the content of external links.

The guidance contained within the website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK.

Some forms of tax planning are not regulated by the Financial Conduct Authority.


Cala Investments Limited. Registered Office: Park House Business Centre, South Street, Elgin, Moray, Scotland, IV30 1JB

Registered in Scotland, number: SC620337

Cala Investments Limited is entered on the Financial Services Register: register.fca.org.uk - under reference 913262.