Your retirement, seen clearly.
I'm an independent financial adviser in Glasgow. I help people work out when they can afford to stop, and whether what they've built will last once they do. My free Pension Health Check is where that starts — four questions, a plain-English answer, no obligation.
Three conversations. No jargon, no pressure.
This isn't a sales call. The first conversation is about understanding what you hold, what you want retirement to look like, and what your money needs to do — then I'll tell you plainly whether I can help.
Answer four short questions
The check above tells me enough to make our first call genuinely useful, rather than starting from nothing.
A relaxed, unhurried call
Twenty to thirty minutes, by phone or video, at a time that suits you — mapping out what you hold, what you'll need, and what your options are.
A clear picture, in writing
You'll know where you stand. If ongoing advice makes sense, costs are set out plainly before you commit to anything — and if it doesn't, I'll say so.
I'm Joe — independent, not a salesman.
I've spent my career helping people across Scotland make sense of their retirement: tracing old workplace schemes, weighing up whether to consolidate, planning when and how to draw an income, and testing whether it lasts as long as it needs to.
Independent means I answer to you, not a provider. Local means when we speak, you're speaking to me — not a call centre reading from a script.
From our first meeting, Joe took the time to understand our goals rather than trying to sell us a product. The recommendations were clear, the communication was excellent, and we now feel much more confident about our retirement plans. The ongoing reviews give us real peace of mind.— Ian, client
One client's experience. It is not a guarantee of any particular outcome, and the suitability of advice depends on individual circumstances.
Questions people usually ask first
Is this a pension tracing service?
No. I'm an independent financial adviser, not a tracing service. Finding old schemes is sometimes part of the work, but the job is advice: understanding what you hold, what you'll need, and what to do about it. If all you want is to track down a lost pension, the government's free Pension Tracing Service will do that for you at no cost.
Is this really free?
Yes. The check and first conversation cost nothing and carry no obligation. Any fees are agreed with you in writing before work begins — you'll never be surprised by a charge.
Do I have to combine my pensions?
No — and sometimes you shouldn't. Some older schemes carry guarantees that would be lost on transfer. Part of my job is telling you when leaving things be is the right answer.
How do I know if what I've got will last?
That's the question cashflow modelling answers. We map what you hold against what you actually spend and see how it plays out over the years ahead — including what changes if you draw more, less, or differently.
What if I've lost track of an old pension?
Very common. Tracing pensions from previous employers is part of the process — people are often pleasantly surprised by what turns up.
I've already retired — is it too late to be useful?
No. Some of the most useful conversations I have are with people already drawing an income who want to know whether it's sustainable, and whether it's being drawn in the most sensible order.
Am I too far from Glasgow?
Not at all. I work with clients across Scotland, mostly by phone or video, at whatever time suits — including evenings.
Sixty seconds could give you real clarity on where you stand.
Four questions, one honest answer about where you stand. No jargon, no pressure, no obligation.
Start your free Pension Health Check