About Scottish Wealth

Scottish Wealth Management are a financial advice firm based in Scotland specialising in retirement planning for clients in the UK and throughout the world. As specialists in the field of pensions, where our advisers hold specialist qualifications as Pension Transfer Specialists, we can offer advice on pension transfers, consolidation of pension pots, help trace lost pensions, do cashflow modelling, final salary pension transfers, annuities and drawdown. With a new born child expected to have a 1 in 4 chance of living to 100, and improved life expectancies, we can work with you to plan a retirement which may last several decades.

However, we can also help with equity release, care fees planning, mortgages, inheritance tax planning, investments, personal protection, business protection and more!

With over 20 years experience in pensions we can be trusted to offer the correct advice to ensure you have everything in place for your retirement.

Speak To An Advisor

Scottish Wealth - Financial Advice Services

Andrew J Lloyd

Andrew holds the Diploma in Financial Planning and the Advanced Diploma in Financial Planning. He is a Chartered Financial Planner and a Fellow of the Personal Financial Society. He is authorised to give financial advice in all areas of financial planning including Final Salary Pension Transfers, At Retirement including annuities and drawdown, mortgages, equity release, IHT, care fees planning, and protection. He loves to read and is happy to accommodate all areas of financial planning.

Our Service & Advice Process:

We’ll always base our recommendations on a thorough understanding of your personal and financial circumstances.

Remember that investments carry varying degrees of risk.They can fall as well as rise, and you may not get back the full amount invested.Full details of the products and services we recommend will be confirmed in writing before anything goes ahead. And, we’ll inform you if any investment we recommend restricts future access to your capital.

Our advice process is typically in 4 stages:

Fact-Find Meeting
This is a structured, agenda-driven, discussion. The purpose is two-fold: Provide you with all of the information you need to decide if you want to proceed with regulated financial advice from us.Provide us with all the information we need to give you regulated financial advice, should you wish to receive it.The Fact-Find Meeting is provided at our expense. This means that there is no charge for you.

Producing Your Advice
Back at the office, we analyse and evaluate your personal and financial circumstances. With a thorough understanding of your personal and financial circumstances, we can now start to build your plan. We will write your advice into a document called a Suitability Report, which explains the advice, the reasons why you should take the advice, and any disadvantages. It is written in plain English. Your Suitability Report is then dispatched in the post.

Presentation Meeting
We'll get back together for another meeting. This lasts around an hour. It enables us to present your advice, answer any questions, and ask if you want to take the advice. If you do, we can complete the paperwork and implement the plan.

Annual Review Meetings
We'll meet with you at least once a year to complete a review of your financial circumstances and plan. We will issue new advice in a fresh suitability report. It will either advise:
To keep everything in your plan as it is.
Or
To change some or all of the plan.This is an ongoing process of continual analysis, evaluation, and review.

Get In Touch

0800 298 1932
info@scottishwealth.co.uk

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