How we help - You're not alone

If you’re new to the world of financial planning, the first thing to say is you’re not alone.

Firstly, because there are a lot of other people out there in the same position, and secondly because we’re here to help. This page tells you what to expect from our approach and services.

Our approach

No-cost introductory meeting

This is where we start our relationship. It’s where we tell you about ourselves, and you tell us where you are now and where you would like to end up. Then, together, we talk about how we might work as a team to achieve your goals. 

Client and fee agreement

If we mutually decide to work together, the next step is to agree a fee. We show you exactly how our fees break down, so you completely understand immediate and/or ongoing costs before you sign anything. Once you’re happy, you sign the client agreement and we get to work. 


The next step is a meeting where we get to know your existing financial arrangements. We’ll look at things like pensions, investments and business assets, as well as any cash or savings you have in the bank. We’ll also find out how you feel about risk. All of this helps us create a financial plan tailored exactly to your needs. 

Whole-market analysis

Once we have the most up-to-date picture possible of your existing plans, we look at the entire marketplace to make sure they are suited to your financial objectives. And because we’re completely independent, you know any advice we offer is based on knowledge of every option open to you.

Detailed reporting

When we’ve finished our analysis, we write a detailed report that shows any recommendations we’re making, why we’re making them, and how they will support your financial plan. It will also demonstrate how those recommendations fit your budget, and contain detailed information about any costs you might meet at this stage. 

Any questions?

Once you’ve had time to look over our report, we’ll arrange another meeting where we’ll go through any questions or concerns you might have, or explain anything that isn’t clear to you. If we need to, we’ll amend our recommendations in line with what you need. Once you’re happy, we set the wheels in motion by supplying you with the application forms you need.


We’ll use your completed application forms to set up the plans you’re ready to put in place. We’ll work with you throughout the application process to ensure any issues are dealt with immediately, and that you’re kept informed about progress at every stage. 


Work on your financial planning doesn’t end when your applications are complete. That’s just the beginning of a long-term collaboration. We’ll have regular reviews of your plan, face-to-face or by phone, whichever works best for you. That makes sure your plans stay relevant and continue to contribute to your long-term goals. 

Our Services

Wealth Management

We help you access a range of products that will help you at every stage of your financial life, from protecting and building on what you have to passing it on with the maximum benefit to the people you leave behind.

We’re here to help you with:

  • An intelligent investment portfolio
  • Life assurance
  • Critical illness cover
  • Regular savings
  • School fee planning
  • Pension planning
  • Trusts
  • Inheritance planning
  • Care fee planning

Financial advice during separation and divorce

Our extensive working relationships with family law practitioners have given us an unmatched level of expertise in supporting our clients at difficult times like these.

We are associate members of the Family Law Association and fully qualified by Consensus Collaboration Scotland. Our specialist knowledge and experience allows us to provide clarity and sound financial modelling to clients who need that reassurance and comfort for the future. 

Business risk management

You want to make sure your business and the people in it are protected, just in case the worst should happen. We help you create and manage that protection, providing advice about the products and services that will help you mitigate against risk and set up and manage appropriate pension arrangements.