Welcome to Dalbeath Financial Planning

Matthew Harris and Wendy Cochran are independent financial advisers (IFAs) based near Dunfermline, Fife and in Edinburgh. Many of our clients are based in Fife, Edinburgh and across central and eastern Scotland but we can offer independent financial advice wherever you are in the UK. As fully qualified and regulated IFAs we can advise you on your pensions, investments, mortgages, life insurance, wills, estate planning and small business needs.

• If you are nearing retirement, we will help you choose between an annuity and income drawdown, or taking a final salary pension transfer if appropriate. If you are still saving then we will show you how to grow your pension fund while minimising risk. As IFAs, we can help consolidate several small pension pots for you, or advise on your workplace pension.
• We will help you navigate the investment markets, cutting the tax you pay on income and capital gains. We will help you spread your investments across different asset classes to balance risk and reward. We will also cut what you are paying in charges, keeping more money in your account.
• We will help you buy a house or cut your mortgage payments. We will search the whole market, including deals only available via an IFA. Whether you are a first time buyer, have credit issues in your past, or are an experienced homeowner, we can help. Our mortgage service is usually completely free.
• We will ensure you have enough insurance to protect your family if you were to die, become critically ill, have an accident or lose your job. Your IFA will assess your current policies, and cut your monthly insurance costs, while ensuring that you insurance providers will pay out in the event of a claim.
• Working with local solicitors, our IFAs will help you arrange a Scottish will, or update your will to reflect a change in your circumstances. We will advise on estate and inheritance tax planning. We will also help to arrange a power of attorney or guardianship order where necessary.
• If you are self-employed, or a company director, we can help you provide a pension scheme, income protection and life insurance to your employees. Our IFAs will ensure that you meet your auto-enrolment obligations, We will also advise on “key man” and director’s insurance.

Getting professional, independent financial advice from one of Dalbeath Financial Planning’s fully qualified IFAs ensures that you get the financial products you need, at the best price possible, and could be the best decision you make this year. We believe that being an IFA means being fair and honest with our clients, and offering good value for money. We don’t use jargon, and we will make sure you understand our recommendations clearly. We look forward to meeting you.