Clear, independent advice on your pensions and investments
Independent financial planning for individuals and families across Central Scotland – from growing your wealth to retiring well and passing it on.
Your first meeting is free, with no obligation.
- Chartered Financial PlannerThe profession's gold standard
- VouchedFor Top RatedSeven years running
- 125 verified reviewsIndependently collected
- FCA authorisedFirm reference 812813
Planning your retirement income – and making your savings last
Whether you're a few years from retiring or already drawing an income, we help you make the big decisions with confidence: when and how to take your pension, how much you can safely spend, and how to keep the rest of your savings working tax-efficiently.
We advise on accessing your pension, pension reviews and tax-efficient investing, as well as estate planning and life cover, with clients meeting us in Edinburgh, Falkirk, Glasgow, Livingston and Stirling, or anywhere in Scotland by video.
More about Select Wealth →Why clients choose us
- One adviser, start to finishYou deal with the same Chartered Financial Planner from your first meeting to every review – no handing you on.
- Fees published up frontOur fees are on our website, with a fee calculator, and we'll confirm yours in writing before any work starts.
- No long-term contractYou can stop our ongoing service at any time, with no exit fees or penalties.
- Scottish tax know-howWe understand Scotland's own income tax rates and how they affect your pensions, tax relief and retirement income.
Pensions, retirement income and investments
Access My Pension
Drawdown, annuities and tax-free cash – turning your pension into a lasting income.
Learn more →Review My Pension
A clear view of what you have, what it costs, and whether it's still right for you.
Learn more →Savings & Investments
Tax-efficient ISAs, bonds and portfolios built around your goals and attitude to risk.
Learn more →Your retirement questions, answered
Straight answers to get you started – and when you're ready, we'll look at your own situation in detail.
What will an independent financial adviser do for me?
Whether you're reviewing investments you already have or starting a long-term plan from scratch, the process is the same: understand where you are, agree where you want to be, and build a plan to get there.
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A free first conversation
We talk through your circumstances, goals and attitude to risk – in person or by video. Your first meeting is free, with no obligation.
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A clear plan and fee
We review what you already have and recommend what makes sense, often bringing investments together tax-efficiently in one easy-to-manage account. You'll know the cost before anything goes ahead.
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Ongoing reviews
Circumstances change, so we review your plan regularly to keep it on track and make adjustments when they're needed.
The value of investments and the income from them can go down as well as up and you may not get back the amount originally invested.
HM Revenue and Customs practice and the law relating to taxation are complex and subject to individual circumstances and changes which cannot be foreseen.
Top Rated on VouchedFor, seven years running
Every review is independently collected and verified by VouchedFor, and we've been included in their Top Rated Financial Adviser Guide, published in The Times, for the seventh year in a row.
Before you get in touch
If you have a question that isn't answered here, we're happy to talk it through – there's no cost or obligation.
Book a free consultationIs my money safe with Select Wealth?
Yes, Select Wealth are Authorised and Regulated by the Financial Conduct Authority (FCA). This means that if things go wrong, you are protected by both the Financial Ombudsman Service (FOS) and Financial Services Compensation Scheme (FSCS). Read more
Do I have to pay for an initial meeting with an adviser?
There's nothing to pay for an initial meeting with an adviser.
Is there a minimum amount to use your service?
Our advice service is designed for people with pensions or investments of £250,000 or more, or who are planning to invest at least that amount. If your savings are below this, MoneyHelper offers free, impartial guidance.
Do Select Wealth offer independent or restricted advice?
We offer independent financial advice. This means we have no restrictions on the providers we use and will only make a recommendation having carried out whole of market research.