Financial Planning Consultant in West Linton
Most people know they should have a plan with their money, they’re just not sure where to start. I help individuals and families make confident, well-structured financial decisions in a straightforward, down-to-earth way. Whether it’s getting organised, planning for retirement or making the most of your money, my aim is to bring clarity, confidence and a clear plan for the future.
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.
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.
Expert advice to help provide comfort in your retirement.
Wealth management advice to make your money work as hard as it can for you, including making the most of any tax breaks available.
Whole of life and term assurance protection, private medical arrangements, critical illness insurance.
Commercial mortgages/remortgages, workplace pension and employee benefits. Commercial mortgages are by referral only.
West Linton
EH46
United Kingdom
Also service Edinburgh, Scottish Borders, Midlothian and East Lothian, nationwide via video call
I am a financial planner, focused on helping individuals and families make confident, well-structured decisions about their money in a down-to-earth, straightforward way. With the right plan in place, many people can achieve more than they initially expect—not just financially, but in the life their money supports.
After more than a decade working in the beer industry, I transitioned into financial advice, driven by a long-standing interest in how thoughtful financial planning can shape both wealth and quality of life. My background has given me a strong appreciation for building relationships, understanding people’s individual circumstances and delivering a high standard of personal service.
I work with clients who value clarity, organisation and a considered approach to managing their finances. This includes support with investment strategy, retirement planning and broader financial decisions, always aligned to what matters most to them.
My approach is centred on long-term relationships and a clear understanding of each client’s priorities, values and ambitions. I believe good financial advice should simplify complexity, bring structure to decision-making and give clients confidence about the future.
Having travelled to over 50 countries, I bring a broad perspective and a natural curiosity about people’s lives, experiences and goals. This helps me connect with clients from a wide range of backgrounds and understand the different paths that shape financial decisions.
Outside of work, I enjoy spending time with my young family, exploring our local area by bike or planning our next trip away in the van.
I am also an on-call firefighter with the Scottish Fire and Rescue Service, which I value for its teamwork, practical challenges and the opportunity to contribute to the community.
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 07 May 2025.
