Savings & Investments

Leaving money in a bank account can feel safe, but over the long term inflation can steadily reduce what it is worth. Investing gives your money the chance to grow – and with the right advice, you can do it in a way that suits your goals and your comfort with risk.

A plan built around you

Before recommending any investment, I take time to understand what you are saving for and when you will need the money. We will talk through how you feel about risk and how much you could afford to lose in the short term without affecting your plans. From there, I design a portfolio that fits.

Making your money work harder

• ISAs – making full use of your annual allowance so growth and income are free of tax
• Diversification – spreading your money across different types of investment to manage risk
• Tax efficiency – using allowances and the right mix of accounts across you and your partner
• Income – generating a regular income from your investments if you need one
• Costs – keeping platform and fund charges competitive, because every pound in fees is a pound less for you

Already investing?

If you have investments you set up yourself or through another adviser, I can review them for performance, cost and suitability and tell you plainly whether any changes are worthwhile.

Independent and ongoing

Because I am independent, I can recommend investments from across the market rather than a single company’s range. I then keep your plan under regular review, so it adapts as markets move and your life changes. I advise clients in Livingston, across West Lothian and in Edinburgh, and I will always explain my fees before any work begins.