Financial Planning Consultant DipPFS in Glasgow
I enjoy working closely with my clients to understand their individual circumstances and create a successful plan that is bespoke to you, your needs and your objectives. I believe in creating a holistic plan that will support you in all aspects of your financial life. My goal is to bring you peace of mind, and the clarity needed to make strong, informed decisions where your finances are concerned. I am fully qualified with a Diploma in Regulated Financial Planning through the Chartered Insurance Institute.
In the UK, there’s an estimated £26.6bn1 in lost or forgotten pensions. That means the average UK worker is missing as much as £28k2 from their retirement money. But there’s good news - this kind of financial hit is completely avoidable.
This one might seem obvious, but it’s easy to lose track of your pension pots, where they are, and what they’re doing. If you make a note of your pension providers, and check your pot(s) regularly, you’re far less likely to lose one of them over time.
Your investment allocation is where and how you’re investing your pension. Often, people will just use their pension provider’s default setting. But this might not actually be right for your retirement goals and risk profile. So, it’s a good idea to revisit this every few years.
If you’ve had a windfall recently, like a pay rise, bonus, or inheritance, putting a portion of it into your pension is a good idea. Not only is it tax-efficient, but you’ll be glad when your retirement comes around.
As an adviser, my role is to help you get all of this done simply, with all the facts and information you need. That might be helping you review your risk profile, consolidating old pension pots, or making a plan to help you retire early.
If that sounds good to you, please get in touch.
The value of pensions and the income they produce can fall as well as rise. You may get back less than you invested. Tax Planning is not regulated by the Financial Conduct Authority. Tax treatment varies according to individual circumstances and is subject to change.
2 Source: https://www.hrmagazine.co.uk/content/news/average-uk-worker-has-28-000-in-unclaimed-pensions
Establishing and reviewing trusts, complete personal risk management planning, short- and long-term savings and investments.
Permanent health insurance to provide a regular income should you be unable to work due to illness or injury.
Wealth management advice to make your money work as hard as it can for you, including making the most of any tax breaks available.
Expert advice to help provide comfort in your retirement.
Whole of life and term assurance protection, private medical arrangements, critical illness insurance.
Home contents insurance, buildings insurance.
Commercial mortgages/remortgages, workplace pension and employee benefits. Commercial mortgages are by referral only.
Greater Glasgow Area and West of Scotland
United Kingdom
Cate is based in Glasgow and offers expert financial advice covering the Greater Glasgow Area and West of Scotland.
As a holistic Financial Planning Consultant, I am passionate about helping Individuals, families, and business owners create strong financial plans that are client and goal oriented, and easy to understand. This could include saving for retirement, navigating investments and the tax implications of these, and protecting you, your family, or your business against the unexpected. I will be there every step of the way to help you navigate these important decisions with confidence.
Outside of Financial Planning, I enjoy reconnecting with my creative side; mainly through painting. I also enjoy reading, travelling with my partner, family and friends, and experiencing good food. I currently live in the Greater Glasgow Area, but you’ll regularly find me visiting my homeland of the Outer Hebrides, as well as the beautiful countryside of mainland Scotland. I’m always happy to see more of this beautiful country and will travel throughout most of Scotland and the North to visit clients.
The Financial Conduct Authority does not regulate some employee benefits, tax planning, inheritance tax planning, estate planning, succession planning, trusts or some buy-to-let mortgages.
The guidance and/or information contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.
Registered Office: Quilter Financial Advisers, Senator House, 85 Queen Victoria Street, London, EC4V 4AB. Tel: 0207 562 5856. Registered in England and Wales. Registered number: 05693185. Lighthouse Financial Advice Limited, Senator House, 85 Queen Victoria Street, London, EC4V 4AB. Tel: 0207 562 5856. Registered in England and Wales. Registered number: 04795080.
Quilter Financial Planning Network only: This financial promotion was approved by Quilter Wealth Ltd, Quilter Financial Services Ltd, Quilter Mortgage Planning Ltd, Quilter Financial Ltd, Quilter Financial Planning Solutions Ltd & Lighthouse Advisory Services Limited on 13 August 2025.
