Financial Adviser APFS, Chartered Financial Planner in Edinburgh
As a chartered financial planner, I help individuals, families and business owners build, protect and manage their wealth to achieve their long-term goals.
I provide personalised financial planning tailored to your circumstances, aspirations and priorities, helping you make informed decisions with clarity and confidence.
My expertise includes retirement planning, investments and wealth planning, supported by cashflow modelling to help you understand your financial position and plan for the future.
Based in Edinburgh, I also provide a remote service to clients across the UK.
In the UK, there are around 3.3 million pension pots that are considered as ‘lost’, containing an average of around £9,500 per pot*. Nobody wants to be missing out on money they have built up in a pension, 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. Investing can help your money grow over time, but the value of investments can go down as well as up.
If that sounds good to you, please get in touch.
Approver Quilter Financial Services Limited. June 2026.
Commercial mortgages/remortgages, workplace pension and employee benefits. Commercial mortgages are by referral only.
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.
Edinburgh
United Kingdom
Matthew is located in Edinburgh and offers expert financial advice to suit your needs.
Having grown up in the Scottish Borders, I went on to study Forensic and Analytical Science at university. While I ultimately decided that a career in forensic science wasn't for me, I enjoyed the analytical and problem-solving side of the subject - qualities that have proved equally valuable in financial planning.
I moved into financial services in 2018 as a Trainee Paraplanner, while studying for my Diploma in Regulated Financial Planning in the evenings. I progressed to Paraplanner and then Head of Paraplanning, building a strong technical foundation and developing a detailed understanding of the financial planning process. In October 2022, I moved into financial advice, allowing me to combine that technical experience with working directly with clients.
I continued to build on my technical knowledge by completing my Advanced Diploma in Financial Planning through the Chartered Insurance Institute, becoming a Chartered Financial Planner in 2024.
Financial matters can often feel complicated, full of jargon and overwhelming. I believe good financial advice should make things simpler, not more complicated.
My approach is to take the time to understand what really matters to you, explain things clearly and help you make informed decisions about your financial future. There isn't a one-size-fits-all approach to financial planning, so I build plans around your circumstances, priorities and aspirations, adapting them as your life changes.
I work with individuals, families and business owners who want greater clarity about their financial future. That could mean helping someone approaching retirement understand their options, supporting a business owner as they plan for life beyond their business, or helping a family make the most of their wealth while considering the next generation.
My particular areas of interest are investments, pensions before and during retirement, and inheritance tax planning.
Outside of work, you'll normally find me enjoying the outdoors around Edinburgh. I enjoy cycling, hill walking, golfing and running. I’m very lucky to have such a fantastic range of outdoor spaces right on my doorstep!
In advising you, I follow a simple and trusted 3 step process:
We will arrange a time to talk about your goals and plans.
I'll prepare a tailored plan which always takes full account of your goals, and gives you the steps and expert support from me to get there. All explained simply.
I'll be there as your financial adviser to give you the support you need.
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 Financial Services Ltd & Quilter Financial Ltd on 18 August 2026.
