We add value

The value of good financial planning goes beyond investment performance. It starts with understanding what matters to you, bringing the different parts of your finances together and helping you make informed decisions with confidence.

How we add value will depend on your circumstances, but could include:

• Helping you understand what you can afford to do, both now and in the future
• Bringing your pensions, investments, savings and other assets together into a clear financial plan
• Helping you make informed decisions about retirement, spending and supporting your family
• Ensuring your financial arrangements remain appropriate, cost-effective and aligned with your goals
• Helping you avoid costly financial and investment mistakes
• Considering relevant tax allowances and planning opportunities as part of your wider financial plan
• Saving you time and reducing the complexity involved in managing your financial affairs
• Giving you greater clarity and confidence about your financial future

We’re on your side

Financial planners are sometimes referred to as ‘intermediaries’. That implies we hold a neutral position between two parties. However, we’re not neutral. While our commitment to behaving ethically to all parties is binding, we never forget that our job is to be on your side.

We work hard to build long-term relationships

We often count two, or even three generations of the same family among our clients. Building those long-term relationships helps us understand not only your financial plans, but how your wealth may support the people and causes that matter to you over time.

We apply expert analysis, common sense and a healthy dose of scepticism to all that we do

It sounds obvious, but looking beyond the headline and examining things carefully is an important part of what we do. We question assumptions, consider the evidence and apply professional judgement rather than simply following the latest financial trend.

We have a reputation for making the complicated understandable

Financial planning can be complicated, but we believe our advice shouldn’t be. We take time to explain complex financial decisions clearly and in plain English, so you understand both what we’re recommending and why.

In 2015 and 2016, Scott Gallacher, one of our directors, was named Value of Advice Ambassador in the Unbiased.co.uk national Media Adviser Awards, recognising his expertise in making financial advice clear and understandable.

Scott also won the Unbiased.co.uk 2013 Judges’ Award for Outstanding Contribution, with the judges describing Scott as “Just brilliant” and highlighting his “knack of making the complicated understandable.”