Customer Feedback

What Makes Us Different



At Ontrack Financial Planning Ltd we believe that great financial advice is at the core of providing our clients with a more certain financial future. Our team of highly qualified advisers, have been advising private Individuals & railway staff since 1998. Our specialist advisers have many years experience and knowledge of both the Railway Pension Scheme and the British Rail Additional Superannuation Scheme (BRASS).

We have access to the most up to date technology to provide truly Independent advice to ensure we provide peace of mind that your financial future is more secure as a result of working with us.

Our aim is to provide you with the best possible solutions to your concerns as well as help you fulfil your aspirations. 

trainWe do this by:

  • Being clear and straightforward in everything we do
  • Working as a team to deliver high quality and consistent advice
  • Using technology to record, analyse and present information to you
  • Keeping our skills and knowledge up to date, remaining highly qualified
  • Building long term relationships with our clients.
We have also negotiated Premium discounts for railway employees effecting, Life Insurance, Critical Illness, and Income Protection. 


I’m proud that Ontrack Financial Planning Ltd is wholly owned and financed by myself, retaining an ability to provide independent advice free of the influence of large insurance companies.


Graeme Barclay 




pension forecast

contact us

OnTrack Financial Planning Ltd. is authorised and regulated by the Financial Conduct Authority FCA Firm Number: 566312
Registered in Scotland, Registered No.SC406825, Registered Address: 6 Wallace Brae Grove, Reddingmuirhead, Falkirk, FK2 0FF.