Client stories
These notes describe specific consultations — which papers arrived messy, what we recommended, and where clients still wished timing had been different.
“We arrived with four scattered pension statements and left with a written order of priorities. The follow-up call caught a protection gap I had overlooked. I still wish we had booked earlier, before remortgaging, but the review itself was measured and specific.”
Helen M. · Edinburgh · Personal Financial Review · Household review ahead of a remortgage
“The protection assessment did not push a policy on the spot. It mapped our mortgage and childcare costs against sick pay, then listed two cover levels with rough premiums. That restraint made it easier to decide later with our own insurer.”
James & Priya K. · Glasgow · Protection Needs Assessment · Young family with a new mortgage
“Pre-retirement cashflow planning showed us we could delay the State Pension by eighteen months if we drew ISAs carefully. The numbers were conservative, which I preferred to optimistic forecasts.”
Robert S. · Aberdeen · Pre-Retirement Cashflow Planning · Couple five years from leaving full-time work
“Pension consolidation guidance confirmed keeping one older scheme with a valuable guarantee. Moving everything would have been tidier, but not wiser. A short engagement, clear conclusion.”
Amelia T. · Dundee · Pension Consolidation Guidance · Three deferred workplace pensions
Two condensed case notes showing how a review or cashflow plan changed the order of decisions.
A mid-career professional planning unpaid leave needed to know whether contributions should pause, continue at a lower rate, or focus on one pot. We mapped the four schemes, flagged an exit charge on the smallest, and recommended pausing only the highest-fee arrangement while keeping employer matching on the current workplace plan. The written summary became the shared reference with their partner before leave began.
Both partners planned to step down at different times. Cashflow sketches compared drawing ISAs first versus a modest pension drawdown, then delaying one State Pension claim. They chose a blended path that kept council tax and heating costs covered without selling investments in a weak market month. The plan is reviewed annually until both State Pensions start.