Individuals Frequently Asked Questions

Yes, all of our financial planners are Chartered, reflecting the highest level of technical expertise and ethical standards in the profession. This ensures you receive advice from highly qualified professionals committed to your financial wellbeing.

Our team of Chartered Financial Planners specialises in providing comprehensive financial planning, investment advice, retirement planning, tax and trust advice, estate planning and intergenerational wealth strategies for clients with significant assets. Our approach is always bespoke, designed to help you achieve your unique goals and to grow and preserve your wealth.

We consistently receive outstanding feedback from our financial planning clients. On VouchedFor, as at October 2025 we are rated 4.9 out of 5 from over 500 reviews, with clients praising our expertise, clarity, and the positive impact of our advice.

We’ve achieved the Gold Standard for Independent Advice ten times and hold Investors in People Platinum accreditation. Our Net Promoter Score is well above the industry average. We are proud to be named in the FT Adviser UK Top 50 Boutique Financial Advisers 2025, a recognition of our professionalism, client focus, and ability to deliver lasting value in a rapidly evolving market. As a boutique firm, we offer a highly personalised service, building deep, long-term relationships with our clients.

We aim to make our fees clear, fair, and aligned with the value we provide.
Depending on the service, we would charge a fixed planning fee, an ongoing percentage of assets under advice, or a combination of the two. We will always outline costs in advance and explain exactly what is included before any work begins.

There is no fixed minimum, but our services tend to offer the best value for clients with £250,000 or more in investable assets, which can include ISAs and pensions. If you’re not certain whether we’re the right fit, we’re always happy to have an initial conversation.

Your investments are held with reputable, FCA‑regulated third‑party custodians. This provides an additional layer of safety and separation — we make investment recommendations and manage your portfolio, but we never take custody of your money directly.

Anything you have is helpful but not mandatory. Useful documents include recent pension or investment statements, mortgage details, payslips, and a rough idea of your monthly outgoings. If you don’t have everything to hand, that’s absolutely fine — we can guide you through what’s needed.

Your initial financial planning report is typically produced within around 10 weeks from when we start work on this, however this depends on the complexity of your circumstances, the number of plans that you already hold, and which providers these are with. During the preparation of your report we will provide you with regular updates to keep you informed. Once your financial plan is in place, we review it regularly to keep you on track as life changes.

Most clients in our annual financial planning service meet us once a year, but you can always contact us between meetings whenever something important comes up

Most people benefit from professional advice when making long‑term decisions about pensions, retirement, investments, protection, or tax planning. We help clients avoid costly mistakes, gain clarity and confidence, and make decisions based on evidence rather than uncertainty.

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Life rarely follows a straight line. When things shift — a new job, home move, divorce, inheritance, business sale — we can revisit your plan and help you adjust your strategy quickly and confidently.

Yes. We work with clients across Scotland and the wider UK through a blend of in‑person and virtual meetings. We’ll always adapt to what suits you best.

Simply get in touch to arrange an introductory conversation. We’ll discuss what you’re looking for, outline how we can help, and explain any next steps. There’s no obligation and no cost for this initial discussion.