Financial Planning Consultant DipPFS, CeMAP®, CeRER® in Paisley
I am passionate about helping my clients achieve long-term financial goals by providing clear, tailored advice and building relationships based on trust. I simplify complex financial decisions and empower clients to make informed choices. By getting to know you personally, I develop customised solutions that adapt as life changes. I specialise in retirement planning, cash‑flow budgeting, family protection and helping new investors get started.
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.
Home contents insurance, buildings insurance.
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.
Paisley
Renfrewshire
United Kingdom
Terence is located in Paisley and offers expert financial advice to suit your needs.
Here’s where I can help. When you’re managing work, family and everything in between, it’s easy for your finances to slip to the bottom of the list. I help you get the essentials in place. Starting with the right protection, so that if something unexpected happens, your family is financially secure. From there, we focus on building your wealth in a way that actually fits your life, whether that’s planning for your own future or supporting your dependants through the milestones ahead.
I’ll work with you to map out the retirement you want and check you’re on track to reach it. And when it comes to passing on what you’ve built, I’ll guide you through doing it in a clear, tax‑efficient way that protects your family and reflects your wishes.
My job is simple. To cut through the noise, make the numbers make sense, and give you a plan you can trust. Today, tomorrow, and long term.
Outside of work, I’m an avid traveller with a particular passion for cruise travel. Through previous roles, I’ve had the opportunity to work at sea and sail across all seven continents, gaining a broad perspective and a wealth of insight along the way. It’s also left me with more stories than I can ever fit into one conversation. The kind that tends to come out over a coffee and usually end with a laugh or an “I never knew that.
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 11 February 2026.
