Savings & Investments

Whether you have built up savings over time, received an inheritance or sold a business, deciding what to do with your money can feel daunting. My job is to help you invest with a clear purpose, at a level of risk you are comfortable with, and in the most tax-efficient way.

Starting with your goals

Good investment advice begins with you, not with products. Are you investing for retirement, to help children or grandchildren, to produce an income, or simply to grow your money ahead of inflation? How long can you leave it invested, and how would you feel if its value fell for a time? Your answers shape everything that follows.

Independent advice

As an independent financial adviser, I am not tied to any provider or fund range. I can consider investments from across the market and recommend what is right for you, rather than what a particular company sells.

What I can help with

• Using your ISA allowance, and those of your family, each tax year
• Building a diversified portfolio that matches your attitude to risk and capacity for loss
• General investment accounts and investment bonds, where appropriate
• Producing a sustainable income from your investments
• Reviewing existing investments for cost, performance and suitability
• Investing lump sums from inheritances, property sales or business exits

Keeping your plan on track

Markets move and lives change, so investments should not be left to fend for themselves. I offer regular reviews to check your portfolio is still suited to your goals, rebalance where needed and make use of each new year’s allowances.

I work with clients across Stirling, Bridge of Allan, Dunblane and Central Scotland, and I will always explain my fees clearly before any work begins.