These accounts reference specific consultations. Names are used with permission; some details are generalised to protect privacy.
Wealth Planning Consultation
“They spent two meetings on our three workplace pensions before recommending anything. We still hold two of them; the third was consolidated after we understood the charges. The written plan helped us agree contribution levels without arguing about spreadsheets at the kitchen table.”
Helen & Mark R. — Edinburgh
Retirement Income Review
“The retirement review made drawdown feel less abstract, though I wished we had started a year earlier — some of the annuity rates we liked had already moved. Still, the State Pension timing notes alone were worth the fee.”
Ian P. — Glasgow
Business Owner Advisory
“As a director I kept putting salary rises into the company current account ‘for later.’ Bridgepoint mapped what later actually meant for my personal pension and the house we want in five years. The quarterly check-ins stop me from reversing decisions after a busy month.”
Sara K. — Aberdeen
Inheritance & Estate Conversation
“Our family meeting was awkward — my brother and I had different ideas about Mum’s cottage. The advisers did not take sides; they listed options and sent a clean summary to the solicitor. We still disagree on one point, but at least everyone heard the tax implications out loud.”
D. L. — Stirling area
Extended story · Wealth Planning Consultation
Amrita and Tom came to us eighteen months before they hoped to buy a flat outside Edinburgh. Between them they held four workplace pensions from previous posts, an ISA with uneven contributions, and a shared current account that absorbed every surplus pound.
Discovery uncovered that two of the older pensions carried higher charges than their current schemes, while their ISA allowance was barely used in the prior tax year. The written plan sequenced ISA funding for the deposit first, paused one high-charge pension contribution temporarily, and set a date to revisit pension top-ups after completion.
They completed the purchase nine months later. Not every recommendation was adopted on day one — Tom preferred to keep one sentimental pension pot untouched — and we recorded that choice without pressure. The value of the engagement was a shared timeline both could defend when pay and rent fluctuated.