Useful resources
FAQs
Find clear answers to common questions about how we help you. Our FAQs provide easy-to-understand explanations and insights to help you navigate all the most important decisions.
Your initial meeting
Where are meetings held?
At our office or via a Microsoft Teams call. Please note our office is on the second floor, so if you have any accessibility requirements, please advise us in advance so we can make alternative arrangements.
Do you have parking?
We’re located within 400 metres of the Rose Street multistorey car park. Inverness bus and train stations are also nearby.
Do I have to pay for an initial meeting?
No, the initial meeting is at our expense.
What do I need to bring to an initial meeting?
An understanding of your current financial position (assets, liabilities, income, and expenditure), and an idea of what you want to achieve.
How long should I allow for an initial meeting?
Up to two hours.
Do I have to sign up to your services at an initial meeting?
No, there’s no obligation whatsoever to proceed.
How can I book an initial meeting?
Visit our contact page for details on how to get in touch with us.
Our advice
Are you independent?
Yes. We work for you, not as a distributor for an investment company.
Are you regulated?
Yes. We provide regulated advice, and our financial planners have achieved the necessary professional qualifications and also maintain their knowledge regularly.
Can you advise on final salary/defined benefit transfers?
No, but if required, we can refer you to a defined benefit transfer specialist from a panel that we regularly review. Should a transfer out be recommended, we’d provide advice on the resultant defined contribution pension.
What is your onboarding process?
Visit our process page for full details of what’s involved.
What are your timescales for onboarding new clients?
We aim to bring you on board in a timely manner, but this will often be dependent on:
- Your ability to provide us with the required information
- Your existing investment providers’ turnaround times.
Do you provide ongoing meetings?
Yes, our financial planning service includes annual ongoing planning meetings. These ensure that your financial plan is maintained in light of any changes to your circumstances, legislation, or taxation.
Our fees
What are your professional fees?
Our fees are based on your individual circumstances, and will be discussed with you in full before any work is carried out. Visit our fees page for more details about how we charge.
Production