How are meetings held?

To minimise our impact on the environment, we try to do as many meetings as possible via Zoom or Microsoft Teams. Face-to-face meetings are an option and typically take place at your home or a convenient meeting place. We have a team of financial planners based throughout the UK.

Do I have to pay for an initial meeting?

An initial meeting is held at our expense. The meeting is typically an opportunity for you to find out what we do and how we work, and it is also a chance for our planner to find out what you are looking to achieve.

What do I need to bring to an initial meeting?

Bring along the questions you want to ask about our services and how we work. It would be helpful to identify what’s most important to you and give some thought to the service you are looking for. Please also provide details of any existing plans and policies you have in place.

How long should I allow for an initial meeting?

Initial meetings typically take around 30 minutes. If we are a good fit and you wish to progress matters, a more detailed discovery meeting will take place to ensure we know more about your circumstances, finances, needs and objectives.

Where can I find free help?

We believe that everyone is entitled to free financial advice. If you wish to seek help but don’t know where to start, we would recommend visiting Moneyhelper and Citizens Advice. If you require further information about the free services available, please get in touch.

Do I have to sign up to your services at our initial meeting?

No, we will always give you time to consider our services and ask questions before agreeing to proceed. We will send a personalised service and charges form when we understand the scope of work we are looking to complete for you. This will detail the initial and ongoing costs of our advice.

How can I book an initial meeting?

Please call our Head Office on 0141 226 1710. Alternatively, you can contact the financial planner who is based closest to you. All the contact details and locations can be found on our team page here.

Are you independent?

Yes, we are independent financial advisers and regularly review the products and services available in the market to identify the best solutions for us to work with.

Are you regulated?

Yes, we are regulated by the Financial Conduct Authority (FCA Reference 186250). You can find details of our firm on the FCA Directory here.

Can you advise on final salary or defined benefit transfers?

We can advise on these, but we are currently not taking on any new clients for this service.

What happens if my financial planner is away on holiday?

We have a team of 13 advisers throughout the UK, three of who are based in our Head Office and all work using the same technology and advice process.

Do you get commission?

Commission is not available for the pension and investment products we recommend. The only time we might receive a commission is for a protection recommendation.

Do you charge VAT?

We are not VAT registered and therefore do not charge VAT.

How do I make a complaint?

We hope you will never have cause to raise a complaint about our service. However, if you do feel we have fallen short of your expectations, then please contact us in the first instance and we will do our utmost to put things right for you.

If you are not satisfied with our response, you will be entitled to refer your complaint to the Financial Ombudsman Service who can be contacted at: The Financial Ombudsman Service, Exchange Tower, London, E14 9SR, Telephone 0800 0234 567

The Pension Ombudsman can consider complaints about the administration of personal and group personal pensions as well as occupational schemes. You have the right to refer your complaint to The Pensions Ombudsman free of charge. The Pensions Ombudsman can be contacted at 11 Belgrave Road, London, SW1V 1RB, Telephone 0800 917 4487.