We help families find freedom at retirement
If you’re approaching or in retirement with substantial assets and wondering ‘what now?’ – you’re in the right place.
Our ideal client
We work best with people who have built significant wealth and are now facing the biggest financial question of their lives: do I have enough to retire comfortably and help the people I love?
Approaching or in retirement
Typically 55-70 years old
Considering early retirement or recently retired
Looking for confidence in decision-making
Substantial assets
A history of saving in pensions and investments
Comfortable financially but not necessarily ‘wealthy’
Wondering if you have ‘enough’
Values driven
Want to help family financially
Interested in purposeful use of money
Willing to pay for quality advice
Ready for partnership
Want expert guidance, not just products
Prepared to trust a well-thought-out plan
Value ongoing coaching and accountability
Real people, real freedom
Here’s what’s possible when you have the right plan.
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![A smiling couple taking a selfie on a city street, with buildings and trees in the background.]()
"I assumed I'd be working for another five years. I retired two months later."
Stuart assumed he had another five years of work ahead of him. After one meeting with Graeme, the picture changed completely - he retired two months later. Now he runs a rugby club, Helen has found her own rhythm, and neither of them worries about money.
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![A smiling middle-aged man in a blue shirt at a crowded indoor market.]()
“Graeme gave me the confidence to retire at 50”
A cautious saver who always assumed he'd work until retirement age, George discovered that he already had the freedom to stop. With Graeme's help, he retired at 50 and learned that the point of money is to enjoy it.
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![A smiling middle-aged woman with blonde hair sitting on a beige couch in a cozy living room.]()
“We’d spent years saving but didn’t know what we could actually afford to do with it.”
A couple approaching retirement discover they don't have to choose between helping their children and living the life they'd always wanted.
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![A mature man with gray hair, glasses, and a beard, wearing a white button-up shirt with sleeves rolled up, standing with arms crossed in a modern indoor setting with glass and metal architecture.]()
“I wouldn’t have retired when I did if it hadn’t been for Graeme.”
Eddie had been working for decades, assuming he still needed the income. Then Graeme said something simple: you don't need to. That one conversation changed everything - and Eddie retired at 56, finding a new sense of purpose through travel, tennis and community.
Rooted in Edinburgh.
Working across Scotland.
We’re based in Edinburgh and most of our clients are local or from across Scotland. We prefer face-to-face meetings - there’s no substitute for sitting down together - that said, if you’re the right fit and based elsewhere in the UK, we can make it work. What matters most is whether our approach resonates with you and your situation.
Could we be the right advisers for you?
There’s only one way to find out. Book a free discovery meeting. No obligation, no charge - just an honest conversation about your life and whether we can help.