11 November 2025
When a will alone is not enough for a Scottish estate
Many families assume a simple will settles everything. In Scotland, property title, prior rights and gifts can still leave gaps.
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Notes from the advice room
Short articles on the decisions we see most often in UK financial advice and consulting — written for clients, not for search engines.
27 September 2025
Drawing a pension without draining the pot too soon
Flexible drawdown offers choice, but the sequence of withdrawals and tax wrappers matters more than most people expect.
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14 July 2025
Tracing old workplace pensions before you consolidate
Finding forgotten schemes is half the work. Comparing guaranteed benefits and exit charges is the half that stops costly mistakes.
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2 May 2025
Talking with adult children about inheritance without a row
Money conversations can feel awkward. A structured meeting with clear boundaries keeps the focus on wishes, not scores.
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17 February 2025
What a portfolio review should actually examine
Performance tables are only one page of the story. Charges, wrappers, concentration and cash buffers deserve equal attention.
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