Our Financial Services

We offer a comprehensive range of financial services for individuals, both employed and self-employed, as well as for businesses. An initial no-obligation meeting is always at our expense. Based in Glasgow our advisers service the whole of Scotland, and can provide advice either face-to-face or remotely.

We like to offer our services within the framework of a long-term relationship between adviser and client, but we understand there are also times you might need a particular service without ongoing advice.

Financial Services

  • Financial planning
  • Retirement planning
  • Personal pensions
  • Pension transfers, defined benefit pensions (final salary pensions)
  • Pension switches
  • Pension combining
  • Self-invested personal pensions (SIPPs)
  • Annuities
  • ISA, EIS*, SEIS* and VCTs*
  • Savings and investments
  • Tax planning
  • Trusts and estate planning
  • Inheritance tax mitigation
  • Long term care
  • Life assurance
  • Critical illness cover
  • Accident, sickness or unemployment
  • Income protection

Business Solutions

  • Workplace pensions
  • Auto enrolment
  • Group income protection
  • Director pensions
  • Key person insurance
  • Director’s loan insurance
  • Company wills
  • Business succession planning
  • Group life insurance


  • Residential mortgages
  • First time buyer mortgage
  • Equity release**
  • Buy to let (UK)
  • Re-mortgage
  • Mortgage protection

Transferring out of a final salary pension is unlikely to be in the best interests of most people.

Your home maybe repossessed if you do not keep up repayments on your mortgage. There may be a fee for mortgage advice, the precise amount of the fee will depend upon your circumstances but we estimate it will be £500.00

*These types of investments are only suited to a limited number of people. The availability of some investments does vary throughout the year.

Venture Capital Trusts (VCT) and Enterprise Investment Schemes (EIS) invest in assets that are high risk and can be difficult to sell such as shares in unlisted companies. The value of the investment and the income from it can fall as well as rise and investors may not get back what they originally invested, even taking into account the tax benefits.

**Equity Release will reduce the value of your estate and can affect your eligibility for means tested benefits.

The Financial Conduct Authority does not regulate taxation and trust advice, commercial mortgages or some aspects of buy to let mortgages.

The value of an investment can fall as well as rise and you may get back less than you have invested.

The Financial Conduct Authority do not regulate auto enrolment.