Established in 1996, we are a small business based in Crieff, Perthshire working with clients throughout Scotland and the UK.
The small 'family feel' which exists in our organisation ensures our clients receive not only a professional service but a personal one. In many cases, our clients have been with us for 20 years or more. We are proud to say that the majority of our new clients have arrived with us by way of recommendations they have received.
Who are we?
What do we do?
As 'Independent' advisors we are not tied to any Financial Institutions. As a result, you can be assured that our advice will be tailored to your own personal situation and will be completely unbiased. A cornerstone of our service is that we will always act in our client’s best interest.
We advise on everything from Junior ISA's to Inheritance tax planning and it is not uncommon we are able to count three generations of a family as clients.
SAVINGS
‘Mighty oaks from little acorns grow’
There are many different ways to grow your wealth, from ensuring you receive the best rates for short-term cash management, to a more complex undertaking of creating an investment portfolio to grow your capital along with regular savings for the long-term.
INVESTMENTS
We can help you make informed decisions about the investment choices that are right for you by assessing your life priorities, goals and attitude to risk. Any number of changing circumstances could affect your investments performance, some inevitable and some unpredictable such as new taxes and legislation. Volatile markets, inflation and changes in your personal life can all impact on your investments.
Structuring your portfolio to take advantage of the upsides while at the same time minimising the downsides is key to long term performance.
Whatever you want to do, understanding how to build up enough retirement savings and how pensions work should help you achieve your future goals. Retirement may seem some way off. However, in financial terms, delaying the planning process could have a considerable effect on your future standard of living.
Whether you are new to pensions or have existing savings, perhaps in a number of policies, we can assist you in making the very most of your retirement savings.
PENSIONS
Retirement for many today is rarely an all-or-nothing decision, where one day you are collecting a salary and the next your pension.
You may have existing pension plans in place, such as a company pension or personal pension plans. Perhaps you have only commenced saving, are approaching retirement or have already retired.
We can advise on what steps you should take to keep your pension plans on track by creating a tailor-made retirement plan for you.
Whether you wish the certainty of a guaranteed income, the flexibility of a drawdown pension or to preserve your retirement savings for future generations, we can help you to select the best strategy for your goals.
RETIREMENT PLANNING
For many people, their first need for protection will be when buying a property, at which time they will often arrange Life Assurance and Critical Illness cover in respect of their mortgage.
As you move through your various life stages, we can also assist you with the recommendation of suitable cover to ensure your loved ones do not experience financial hardship should something happen to you.
Whether by way of Life Assurance, Family Protection, Critical Illness, Whole of Life or Income Protection, we can help you identify and plan for the worst case scenarios.
PROTECTION
Tax allowances offered by our Government are often generous but not always well known. Structuring your finances to make best use of the available allowances can be the difference between a good result and a great result. Effective tax planning is not only important as you accumulate assets, but equally so as you move on to consider what will happen to your estate when you die.
With care and adequate planning, it is surprising just how tax efficient your finances can be.
The Financial Conduct Authority does not regulate tax or estate planning or trusts.
TAX PLANNING
As ‘whole of market’ advisers, we are able to search the market to find clients not only the best rates but also the best lenders for their individual circumstances.
Whether first time buyers or looking to borrow into retirement, we understand that no two cases are the same. Just as every lender has its own specialties, we are experts at finding exactly the right mortgage for our clients.