Independent pension advice, Fife

Pensions

We will provide independent advice on how to use a pension to save for retirement, and how to take an income out in the most tax efficient way once you get there. 

Independent investment advice, IFA, Fife

Investments

As IFAs, we provide independent financial advice on your investments in the financial markets, including thos held within ISAs, investment portfolios and investment bonds.

Independent mortgage advice, Fife

Mortgages

We will arrange a mortgage or remortgage for you, securing the best deal in the market including those only available via an IFA. You avoid the hassle of dealing directly with a bank, and we often

Independent financial advice on life insurance, Fife

Life insurance

As IFAs we are independent from any insurance company and so will ensure you have the cover you need, at the best price and quality available in the market.

Independent financial advice on pensions, Fife IFA

Final salary pension transfers

Our independent financial advisers will work with you to advise you on the transfer of your defined benefit pension to a personal pension or SIPP.

Independent inheritance tax planning advice, Fife, Edinburgh

Estate planning

We offer independent advice on the use of trusts, gifts and exemptions to avoid inheritance tax. We also work with the best local solicitors to ensure your will is optimised for tax planning.

Independent mortgage advice for landlords, Fife, Edinburgh IFA

Buy to let

We offer independent mortgage advice to landlords, and as well as arranging mortgages we are property investors ourselves so can assist with practical advice on building a property portfolio.

Independent financial advice on trusts, care costs and guardianships. Fife, Edinburgh IFA.

Trusts and care

As IFAs we work with the best local solicitors to arrange trusts and guardianships and manage the investments held within them in a professional manner.

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.

Latest News

Pension advice, including DB pension transfers

Examples of our recent IFA cases

Some of the work we have been doing for Dalbeath Financial Planning Ltd clients over the last week: We were approached by a client with a very serious health condition, and a life expectancy of under ...


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Assets under management reach £30m

We are delighted to say that the amount of pension and investment money we manage for our clients has reached £30,000,000, up from £20,000,000 this time last year. Welcome to all our new clients, an ...


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Case study: Transferring a small final salary pension

What did the client ask us to do? Mr R had been offered a generous transfer value offer from the final salary pension scheme of his previous employer, of around £97,000. As a self-employed builder, ...


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Chartered Financial Planners. FCA Regulated (FCA no. 603653)