Christophe Berra
Financial Planning Consultant DipPFS in Edinburgh
A little bit about Christophe
Financial planning is about more than numbers, it’s about trust, clarity, and long-term confidence. I work with individuals, families, and business owners to provide honest, open, and straightforward advice tailored to your unique goals. Whether you’re preparing for life’s big moments or planning for long-term stability, I’ll help you navigate key decisions with certainty. Together, we’ll build a personalised plan that moves you forward with confidence
Start the conversation
Whether you want help getting your pension in a good place, or to ask me about another financial need you might have, I’m here to help.
Contact me today
An adviser’s insight
How can you boost your pension pot?
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.
Here are three simple ways to make sure your pension is working its hardest for you.
1. Check up on it
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.
2. Look at your investment allocation
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.
3. Bump it up
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
Services
Holistic planning
Establishing and reviewing trusts, complete personal risk management planning, short- and long-term savings and investments.
Investments
Wealth management advice to make your money work as hard as it can for you, including making the most of any tax breaks available.
Pensions
Expert advice to help provide comfort in your retirement.
Protection
Whole of life and term assurance protection, private medical arrangements, critical illness insurance.
Income Protection
Permanent health insurance to provide a regular income should you be unable to work due to illness or injury.
Qualifications
Diploma in Regulated Financial Planning
- The Level 4 Diploma in Regulated Financial Planning from the Chartered Insurance Institute develops core technical and initial financial planning understanding.
More about me
After a successful 20-year career in professional football, playing for clubs including Heart of Midlothian, Wolverhampton Wanderers, and Ipswich Town, as well as earning forty-one caps for Scotland, I transitioned into financial planning with the same dedication and discipline that defined my sporting career.
Having worked in coaching roles, including six months in the USA, I ultimately decided to follow a long-standing interest in finance upon returning home. Having had my own financial planner for over 15 years, I gained valuable insight into the importance of thoughtful financial guidance and was encouraged to pursue this career myself. I pride myself on honesty, reliability, and a commitment to delivering the best possible outcomes for my clients. My approach is rooted in clever planning, integrity, and a genuine passion for helping others achieve financial security.
Outside of work, I cherish time with my family, enjoying walks and coffee outings. I’ve recently taken up tennis, adding a new challenge to my personal fitness routine, an area of life I’ve valued for two decades. I also plan to return to golf once life settles, as maintaining an active lifestyle continues to be a priority.
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.