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Financial wellbeing solutions for employers. Helping you, to support your people.

Your employees are the lifeblood of your business. They help you achieve your goals and they’re often the reason you stand out from your competitors. We know that happy employees tend to be more productive, but did you know that personal debt problems can have a negative effect on employee wellbeing?

Personal debt is a sensitive topic and as an employer you may feel it’s a difficult one to tackle directly, which is why having access to an empathetic ear and trusted, confidential advice is an invaluable resource.

Who we are

Johnston Carmichael is Scotland’s largest firm of Chartered Accountants and Business Advisers. Our expert insolvency practitioners are based across Scotland and have extensive experience in resolving personal and business debt issues.

Financial wellbeing support

Including financial support and education as part of your employee wellbeing programme can help your employees to be more productive, create a happier workforce and have key tangible results for your business.

It’s important to support your employees in becoming more financially capable. Building in financial wellbeing education into your employee assistance plan can set you up to achieve this. By investing in your employees’ financial wellbeing, you’re investing in your business.

Part of your team – how we work with you

Our team have dealt with personal debt problems across all areas from council tax and mortgage arrears, to credit card debts and payday loans.

Whatever the debt problem we are here to help find the solution.

We have a highly experienced team who you can confidently put your employees in contact with, knowing they will be getting independent, comprehensive debt advice with their best interests at heart.

Tailored to your individual needs

We will work with you to consider how we introduce our service in a confidential and discreet manner using a variety of methods that suit the needs and preferences of your team.

What we offer your employees:

  • An empathetic ear
  • Freephone number
  • Contact emails address
  • Free consultation
  • Debt solutions including formal insolvency

And for your as an employer:

  • Tailored reporting with high level feedback
  • Advice and information for sharing with your employees through your internal communication channels

If you would like to find out more about the debt relief support we can offer your employees and how we can work with your HR teams, please get in touch with a member of Financial Wellbeing Team now.

Key People

Donald McNaught

Partner & Head of Restructuring

Jenn Sewart

Restructuring Director

Carol James

Restructuring Manager


Q Edinburgh

7-11 Melville Street

T: 0131 220 2203

Q Glasgow

227 West George Street
G2 2ND

T: 0141 222 5800

Q Aberdeen

Bishop’s Court
29 Albyn Place
AB10 1YL

T: 01224 212222

Q London

Birchin Court
20 Birchin Lane

T: 0203 7144 350