Investment Portfolio Review
An independent look at how your holdings sit against risk tolerance, charges, and the purpose of the money.
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Scotland-based · Serving Great Britain
Thamespoint Financial Counsel
Calm, regulated advice on pensions, ISAs, protection, and mortgages—written plans you can act on, not jargon you have to decode alone.
Flagship engagement
Retirement income mapping for the years around leaving work
When salary stops, the order in which you draw pensions, ISAs, and the State Pension shapes tax bills and peace of mind. We build a written map covering guaranteed income, flexible pots, and a drawdown sequence for the next three to five years.
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Advice that matches the decision in front of you
Each engagement is scoped to a concrete household question—cover for dependants, a remortgage window, or whether charges on old funds still make sense.
Protection Needs Assessment
Life cover, income protection, and critical illness reviewed against mortgage debt, dependants, and existing workplace benefits.
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Mortgage Advice Consultation
Whole-of-market mortgage search and affordability guidance for purchase, remortgage, or equity release exploration.
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Inheritance Tax Planning Review
A careful pass over estates, gifts, trusts, and available allowances with referrals to solicitors where legal drafting is needed.
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Clients remember the clarity more than the charts
Helen arrived with three workplace pensions and no agreement at home about which pot to touch first. The written income map settled the kitchen-table debate—and flagged that older statements would have shortened the first meeting.
Guides
Practical notes on pensions, ISAs, and remortgages
Short articles rooted in UK financial advice—timing the State Pension, reading workplace statements, and checking total remortgage cost.
When to Take Your State Pension Early or Late
Deferring the State Pension can raise the weekly amount, but only if you can bridge the gap from other income first.
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Reading Your Workplace Pension Annual Statement
Contribution totals, charges, and projected pots often sit on one crowded page. Here is what to check first.
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ISA Allowances Before the Tax Year Ends
Unused ISA allowance does not roll over. A short checklist helps you use the room you still have.
Continue readingReady to talk through the next decision?
Tell us what you are weighing—retirement timing, cover for dependants, or a mortgage fix ending soon. We reply within two working days with availability and a clear fee outline.
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