Scott Gallacher

What were the circumstances that caused you to initially look for an adviser?

We were looking for expertise to advise us on our pensions and general planning for our retirement.

How has Scott Gallacher helped you?

He has advised us on our pensions and investments and helped us with our retirement planning.

Have you seen the outcome you were hoping for?

Yes

Please provide a brief comment about your experience with Scott

In the short time we've known him, we've found him approachable, sensible and efficient. He's obviously well experienced and appears to be competent.

What were the circumstances that caused you to initially look for an adviser?

Having retired I decided to look for professional help relating to investment and Rowleys were recommended via a very reliable source.

How has Scott Gallacher helped you?

Scott Gallacher has been a tremendous help to me with his unbiased opinions.

Have you seen the outcome you were hoping for?

Very much so

What could they have done better?

I enjoy the very professional approach that Rowleys have and find it hard to see how they could improve. But there is always room for making things better.

What were the circumstances that caused you to initially look for an adviser?

Redundancy and early retirement

How has Scott Gallacher helped you?

Setting up a pension policy to support my retirement

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

What were the circumstances that caused you to initially look for an adviser?

I needed an impartial IFA for financial and pension advice.

How has Scott Gallacher helped you?

He explained the process in very straightforward terms.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Nothing.

What were the circumstances that caused you to initially look for an adviser?

Looking for advice on whether a care home annuity would be suitable product for my Grandma’s care needs.

How has Scott Gallacher helped you?

Not only has helped with the advice on Care home fees but also pointed out that my Grandma was entitled to Additional benefits such as attendance allowance and this has benefited my Grandmas income significantly by around £5k a year.

Have you seen the outcome you were hoping for?

Yes. We are secure that care home fees will always be met. We feel happy that we have done the absolute best for my Grandma. It’s a big responsibility to take financial decisions for someone else, I couldn’t have done it without their expert guidance. Grandma has increased her income significantly by claiming attendance allowance as they recommended. It’s a massive worry lifted off my shoulders. Knowing that she will always have her care home fees paid. Can’t say thank you enough to them. Just absolutely the best.

What could they have done better?

Nothing.

What were the circumstances that caused you to initially look for an adviser?

Retirement and the sale of a business

How has Scott Gallacher helped you?

Providing long term financial goals with an element of change to cater for the differing tax and inheritance rules

Have you seen the outcome you were hoping for?

Although a major set back to our long term plan has taken place due to the latest government budget we are together putting a plan together for the future.

What could they have done better?

Very little given the constraints of the government budgetary decisions.

What were the circumstances that caused you to initially look for an adviser?

Scott was extremely knowledgeable on advising on inheritance tax planning

How has Scott Gallacher helped you?

Scott was always on hand to answer any queries regarding the investments for my late aunt

Have you seen the outcome you were hoping for?

Scott had an excellent solution for Inheritance tax planning which we were unaware of previously

What were the circumstances that caused you to initially look for an adviser?

To best advise me regarding a private pension and investments generally

How has Scott Gallacher helped you?

Scott has helped for over 10 years

Have you seen the outcome you were hoping for?

Yes Scott continues to appraise regularly my investment and advises changes to suit my requirements

What could they have done better?

Every aspect of my needs is covered by him and his team

What were the circumstances that caused you to initially look for an adviser?

Pension advice

How has Scott Gallacher helped you?

Moved us to new pension scheme

Have you seen the outcome you were hoping for?

Definitely

What could they have done better?

Nothing

What were the circumstances that caused you to initially look for an adviser?

I wanted to make ISA investments

How has Scott Gallacher helped you?

Advice on where to make general investments, ISA investments and also a review of my pension

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

N/A

What were the circumstances that caused you to initially look for an adviser?

Had a long term IFA who we had been very satisfied with, who retired due to ill health. He carefully reviewed companies who would take on his business but on the change the new IFA was not proactive or very communicative with us .Felt let down and sidelined. I subsequently discussed this with a friend and ex colleague who recommended Rowley Turton and Scott Gallacher. So now a lot happier and feel more connected.

How has Scott Gallacher helped you?

Communicative and helpful easy to talk to and always comes back when advice or query raised.

Have you seen the outcome you were hoping for?

Yes keeps us updated and informed.

What could they have done better?

No imput with regard to this.

What were the circumstances that caused you to initially look for an adviser?

Pension advice.

How has Scott Gallacher helped you?

Yes

Have you seen the outcome you were hoping for?

I believe so.

What could they have done better?

?

What were the circumstances that caused you to initially look for an adviser?

Advice and long-term investment

How has Scott Gallacher helped you?

Advised on and set up long-term investments, advises on required changes, reviews pension funds performance.

Have you seen the outcome you were hoping for?

Yes so far.

What could they have done better?

Not sure.

What were the circumstances that caused you to initially look for an adviser?

Retirement advice

How has Scott Gallacher helped you?

By collating various investments into on central hub

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

What were the circumstances that caused you to initially look for an adviser?

For a more definitive financial plan

How has Scott Gallacher helped you?

Scott has given advice on complex issues and also provided strategic financial guidance

Have you seen the outcome you were hoping for?

yes. we have achieved a very stable position

What could they have done better?

I could have listened more and taken his Scott's advise on investments

What were the circumstances that caused you to initially look for an adviser?

Retirement and Pension advice

How has Scott Gallacher helped you?

He helped us immensely when trying to sort our pension and advised us and then chased for various issued raised.

Have you seen the outcome you were hoping for?

Yes definitely

What could they have done better?

Not too sure

What were the circumstances that caused you to initially look for an adviser?

We were not sure whether we were in a position for both us of to retire so we asked Scott to review our finances and advise accordingly

How has Scott Gallacher helped you?

His advice a few years ago after a sudden family bereavement meant that I was able to retire when I was not mentally in the right place to continue working

Have you seen the outcome you were hoping for?

Absolutely

What could they have done better?

Nothing

What were the circumstances that caused you to initially look for an adviser?

I have been with Scott for about five years now and originally was looking for someone to advise me on moving towards retirement and advice on investments.

How has Scott Gallacher helped you?

He has always been very open and aware of our circumstances and requirements. He advised on investing my retirement lump sum and optimising the returns and tax position.

Have you seen the outcome you were hoping for?

Yes

What were the circumstances that caused you to initially look for an adviser?

Pension planning

How has Scott Gallacher helped you?

Scott provided excellent advice, taking into account my tendency to being extremely risk adverse.

Have you seen the outcome you were hoping for?

Completely

What could they have done better?

Scott completely provided the advice I was looking for

What were the circumstances that caused you to initially look for an adviser?

Previous IFA retired

How has Scott Gallacher helped you?

As above and specifically investment of pensions

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

I requested an annual review and Rowley Turton could had contacted me instead. No harm done, just a suggestion.

What were the circumstances that caused you to initially look for an adviser?

Death of husband

How has Scott Gallacher helped you?

Providing advice, allowing me confidence in his advice and being there when I have questions.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

What were the circumstances that caused you to initially look for an adviser?

Modest performance of previous adviser.

How has Scott Gallacher helped you?

Identified a means to safely deal with an inheritance issue.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Would have preferred not to have had to set up Trust myself.

What were the circumstances that caused you to initially look for an adviser?

Retirement planning and best use of existing investments

How has Scott Gallacher helped you?

Scott has helped us to plan for and achieve an earlier retirement than expected, and provides ongoing advice to enable us to improve our assets and support family now and in the future through IHT planning.

Have you seen the outcome you were hoping for?

Yes!

What could they have done better?

Nothing

What were the circumstances that caused you to initially look for an adviser?

I was approaching Retirement and although I had some idea about what I wanted to do I decided I needed expert guidance.

How has Scott Gallacher helped you?

Scott has gained my trust and respect which is very important to me. He has put my mind at ease and explained how best to manage my finances.

Have you seen the outcome you were hoping for?

I Retired just over four years ago and in that time we have seen Covid, war in Europe, Brexit and political uncertainty. I think all things considered I would say that I am satisfied with Scott Gallacher

What could they have done better?

Absolutely no idea!

What were the circumstances that caused you to initially look for an adviser?

To plan for the future and retirement

How has Scott Gallacher helped you?

He looked at all our investments, consildated them and make plans to ensure that they will support us in the future

Have you seen the outcome you were hoping for?

Yes, the investments have done well

What could they have done better?

Nothing

What were the circumstances that caused you to initially look for an adviser?

After crystallising my investment in a manufacturing business, I required some advice for future retirement planning.

How has Scott Gallacher helped you?

Scott provided (and continues to provide) practical, informative advice with particular regard to IHT which, in the light of more recent political events, becomes ever more crucial. Scott has a relaxed, but informative approach which has helped me considerably over a number of years

Have you seen the outcome you were hoping for?

The results speak for themselves. I am most certainly very pleased with the outcome

What could they have done better?

Nothing that comes to mind

What were the circumstances that caused you to initially look for an adviser?

I first spoke to Scott 8 years ago about consolidating my pensions

How has Scott Gallacher helped you?

Pensions Management and Financial planning for and in retirement

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing - he’s first class

What were the circumstances that caused you to initially look for an adviser?

We need advice on the best way to invest for our future

How has Scott Gallacher helped you?

He helped to set up investments for us

Have you seen the outcome you were hoping for?

Yes we know our funds are as safe as possible and slowly increasing

What could they have done better?

I Can’t think of anything at the moment

Please provide a brief comment about your experience with Scott

A very helpful conversation

What were the circumstances that caused you to initially look for an adviser?

I had a query over tax planning.

How has Scott Gallacher helped you?

Scott considered all the issues and gave very sensible, pragmatic advice.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

What were the circumstances that caused you to initially look for an adviser?

My previous adviser retired, and the reviews I read about Rowley Turton led me to making an appointment to see Scott. He has looked after us ever since, and we have both been more than happy to have our financial future in his hands.

How has Scott Gallacher helped you?

Scott's expertise has made us feel confident about our finances. I strongly believe that we are better off for having been his client over the last few years, than we would have been without him.

Have you seen the outcome you were hoping for?

More than!

What could they have done better?

Nothing.

What were the circumstances that caused you to initially look for an adviser?

We were looking to see if we could afford to retire with the savings and investments we had

How has Scott Gallacher helped you?

Scott put together a financial plan for us based on our requirements in retirement. He also assisted with various pension transfers

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing I can think of

What were the circumstances that caused you to initially look for an adviser?

Advice on Pensions

How has Scott Gallacher helped you?

By guiding us through the process of my husband retiring early and how we can navigate that with confidence

Have you seen the outcome you were hoping for?

Yes. We are really pleased with how things are playing out

What could they have done better?

Happy with everything so far

What were the circumstances that caused you to initially look for an adviser?

Coming up to retirement

How has Scott Gallacher helped you?

We very much so Scott is very knowledgeable and gives good advice and always explains well .

Have you seen the outcome you were hoping for?

Hoping to

What could they have done better?

Nothing very happy .

What were the circumstances that caused you to initially look for an adviser?

I needed financial advice after my husband died.

How has Scott Gallacher helped you?

Organised a portfolio and monitors annually financial circumstances.

Have you seen the outcome you were hoping for?

Yes I feel confident about the advice I have received.

What could they have done better?

I’m happy with the advice I receive.

What were the circumstances that caused you to initially look for an adviser?

Without sounding dismissive, we needed a 'High rated' brand to look after our investments and future advice. We tried others who were cheaper, but not confident in what we found. Scott and company provided what we needed.

How has Scott Gallacher helped you?

He makes us feel calm during difficult UK and World financial fluctuations which has been welcoming. His pensions advice is very clear and easy to understand.

Have you seen the outcome you were hoping for?

On a personal level I could not have asked for a better outcome! He walked me through a minefield of information and delivered a world class result. We're starting on my wife's pension journey now and very confident he will deliver there as well.

What could they have done better?

Not much, maybe more information on 'short term' investments like ISA's for the residual savings in our accounts?

Please provide a brief comment about your experience with Scott

I spoke to Martin and he was extremely helpful. Took his time and gave detailed information / advice.

What were the circumstances that caused you to initially look for an adviser?

Needed to made a decision about a pension

How has Scott Gallacher helped you?

Helped us to sort out the pros and cons and made an informed decision. Since then, Scott has helped us plan for retirement with helpful suggestions and appropriate products.

Have you seen the outcome you were hoping for?

Yes, we feel confident that we will be financial secure when we retire.

What could they have done better?

Nothing

What were the circumstances that caused you to initially look for an adviser?

Pending retirement

How has Scott Gallacher helped you?

My savings are managed by someone I trust and like. This helps when the markets reel from the inevitability of a screwed up world.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Seriously? Read my ratings for him.

What were the circumstances that caused you to initially look for an adviser?

Independent expert advice before retirement

How has Scott Gallacher helped you?

Consolidate investments, professional advice

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

What were the circumstances that caused you to initially look for an adviser?

I felt that I needed someone to sort out my investments.

How has Scott Gallacher helped you?

Ensured that my money is invested in ways that suit me and feel confident in the advice I receive. Scott has continued to achieve both.

Have you seen the outcome you were hoping for?

Definitely

What could they have done better?

Nothing

What were the circumstances that caused you to initially look for an adviser?

Setting up a private pension plan

How has Scott Gallacher helped you?

He has setup my finances and given me advice to support early retirement

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing to complain about

Please provide a brief comment about your experience with Scott

Excellent information imparted.

What were the circumstances that caused you to initially look for an adviser?

We have worked with Scott for a number of years and initially wanted financial advice regarding our pension

How has Scott Gallacher helped you?

Scott placed our investment in an fund which has given us impressive returns.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

Please provide a brief comment about your experience with Scott

Scott was incredibly helpful, confirming pretty much everything I'd already found out about inheritance tax but making me aware of a number of additional considerations which will be really useful in helping my mother to plan and manage her estate to minimise IHT.

What were the circumstances that caused you to initially look for an adviser?

Pension drawdown advice to include all aspects of financial planning for the future

How has Scott Gallacher helped you?

With all aspects of financial planning for the future after taking early retirement

Have you seen the outcome you were hoping for?

100% Scott has been a huge support over the past five years. Initially giving great advice and setting up documentation and a robust future plan with fantastic annual reviews.A world class service

What could they have done better?

Nothing whatsoever Everything has been fantastic and that continues to be the case

What were the circumstances that caused you to initially look for an adviser?

When I sold my business 0

How has Scott Gallacher helped you?

With advice on investments and general pension management.

Have you seen the outcome you were hoping for?

Yes, his advice has been excellent.

What could they have done better?

Nothing that I am aware of

Please provide a brief comment about your experience with Scott

Scott explained his professional services and costs very clearly to me.

Please provide a brief comment about your experience with Scott

A highly professional individual, who spoke a lot of common sense and was obviously very competent in his field of work. I found him very engaging and easy to talk to.

What were the circumstances that caused you to initially look for an adviser?

Following the death of my husband

How has Scott Gallacher helped you?

Scott Gallacher of Rowley Turton has acted as my Independent Financial Adviser nearly 12 months now and he has provided such excellent financial planning advice. Not only that but he has been very patient with me during a difficult year and explained everything in a way that I can easily understand. To have access to that knowledge and support from Scott particularly following a major life event is invaluable and I would highly recommend Scott and the team at Rowley Turton

Have you seen the outcome you were hoping for?

Yes

Please provide a brief comment about your experience with Scott

A very honest opinion was given alongside honest facts. Very impressed and grateful. Thank you.

Please provide a brief comment about your experience with Scott

Scott is very personable. He listens to what you've got to say and considers his answers before providing his thoughts.

Please provide a brief comment about your experience with Scott

Scott called me very soon after I requested help with some questions on IHT. He introduced himself to my satisfaction, quickly understood my questions and after checking some reference documentation, that he subsequently made available to me, provided clear answers. He then checked that I was aware of other aspects that would allow the executors of my estate to minimise IHT liability. I would have no hesitation on consulting him further on IHT planning. Thank you Scott.

What were the circumstances that caused you to initially look for an adviser?

Final salary opt out that had gone seriously wrong with my previous advisor. Funds awaiting investment for over 6 months as a result. Due to unique personal circumstances, I needed a broad, long term view on my options as well as the initial reinvestment in a SIPP.

How has Scott Gallacher helped you?

Fantastic initial advice (on external recommendation) that provided reassurance on the back of the poor experience I had with an offshore advisor and company. Subsequent challenges in transferring were patiently and professionally dealt with by Scott and his team at every step. Scott is always available to provide succinct, balanced and calm insights throughout the relationship.

Have you seen the outcome you were hoping for?

Transfer completed and monies invested - yes. Growth and benefits still to be tracked and reviewed.

What could they have done better?

Genuinely nothing. I'm incredibly grateful to Scott and his team for their professional, accessible and authentic approach to client management. Looking forward to a long and hopefully financially beneficial relationship!

What were the circumstances that caused you to initially look for an adviser?

Seeking investment and future planning advice.

How has Scott Gallacher helped you?

He's helped us to make prudent investment decisions and feel confident that our retirement plans are realistic.

Have you seen the outcome you were hoping for?

Yes.

What were the circumstances that caused you to initially look for an adviser?

I was approaching retirement and wanted to be confident that I had enough money to maintain a reasonable standard of living. I also wanted to know that my family would be provided for if I was not around.

How has Scott Gallacher helped you?

Scott has been able to demonstrate what my financial future might look like. I feel confident that my financial affairs are in order.

Have you seen the outcome you were hoping for?

Definitely.

What could they have done better?

A 6 monthly interim report on investment performance would be helpful.

What were the circumstances that caused you to initially look for an adviser?

The minefield of pension references and the mixture of pensions we had over the years. Scott provides us with a clear understanding of these and simplifies the outcomes whenever possible.

How has Scott Gallacher helped you?

Scott breaks everything down into elements of life which are pertinent later in your years. There is no 'looking back' and everything is focused on the future and the 'best' place to be considering all options. His advice brings a sense of 'calm' to my life, however, I'm still aware of the risks where investments are involved.

Have you seen the outcome you were hoping for?

My pension is in a great place. We are currently looking at my wife and early retirement. Scott is providing us with some thought provoking options to take on board for an important decision to be be made. Considering the outcome I've had, I can't see an issue looking forward.

What could they have done better?

I'm not sure if things could be better considering the global issues we currently face. I do see a number of other financial offerings which are tempting at about 8% or more but can't see that being sustained for a long term, but they are tempting and I would like to hear more from my advisor regarding the pros/cons of such offers. Particularly if the rates are tied/locked in for a fixed period and no penalties apply.

What were the circumstances that caused you to initially look for an adviser?

Tax planning

How has Scott Gallacher helped you?

Minimising the tax take on our capital

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Invested more wisely

What were the circumstances that caused you to initially look for an adviser?

Dissatisfaction with previous Adviser, and recommended to Scott.

How has Scott Gallacher helped you?

Helped me with my Investments, but more importantly on all of my Wife,s when she passed away 4 years ago.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Nothing.

What were the circumstances that caused you to initially look for an adviser?

We were looking for advice about an existing pension

How has Scott Gallacher helped you?

Scott has enabled us to plan for our retirement using a variety of financial products allowing us flexibility.

Have you seen the outcome you were hoping for?

Yes. We were advised about the pros and cons of the scheme which meant we could make an informed decision with confidence.

What could they have done better?

Nothing. Very happy with the service.

What were the circumstances that caused you to initially look for an adviser?

To provide professional knowledge to provide for myself and going forward my family

How has Scott Gallacher helped you?

Enormously we meet each year for a financial review.

Have you seen the outcome you were hoping for?

Yes certainly have.

What could they have done better?

I think the service they provide is already top notch.

What were the circumstances that caused you to initially look for an adviser?

Pension planning

How has Scott Gallacher helped you?

Outstanding advice

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

What were the circumstances that caused you to initially look for an adviser?

Retirement planning

How has Scott Gallacher helped you?

Scott has given me honest advice about how to best plan for retirement including future plans

Have you seen the outcome you were hoping for?

Yes

What were the circumstances that caused you to initially look for an adviser?

Independant financial planning

How has Scott Gallacher helped you?

With good professional advice

Have you seen the outcome you were hoping for?

Yes, over a number of years and a variety of subjects

What could they have done better?

Not a lot, Scott has answered all our questions

What were the circumstances that caused you to initially look for an adviser?

Divorce

How has Scott Gallacher helped you?

In numerous ways, as and when he could be of service; professional, generous with advice and time.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

What were the circumstances that caused you to initially look for an adviser?

Financial advice in run up to retirement.

How has Scott Gallacher helped you?

He has given practical advice and has a realistic view.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

There is a software module that I would like to be able to access.

What were the circumstances that caused you to initially look for an adviser?

Not at all satisfied with my bank.

How has Scott Gallacher helped you?

His advice has made me feel confident in making financial and personal decisions.

Have you seen the outcome you were hoping for?

Yes I think so.

What could they have done better?

Difficult to say but accept there is always room for improvement.

What were the circumstances that caused you to initially look for an adviser?

Pension pots needed consolidating

How has Scott Gallacher helped you?

Annual meetings and advice

Have you seen the outcome you were hoping for?

Yes

What were the circumstances that caused you to initially look for an adviser?

I wanted to take responsibility for the decisions relating to my pension pot

How has Scott Gallacher helped you?

Scott takes the time to present and discuss the options available, clearly explains the positive and adverse implications, however always being mindful and respectful of your chosen investment preferences

Have you seen the outcome you were hoping for?

Yes. I wanted to ensure the level of risk being taken would not adversely impact my future pension

What could they have done better?

Nothing really. Scott is always available whether 1:1, over the telephone or via email, again taking time to ensure I am achieving my desired outcomes

What were the circumstances that caused you to initially look for an adviser?

To get advice with the sale of a house that was inherited and how best to invest following the sale

How has Scott Gallacher helped you?

He has explained the many various ways to best invest the assets to provide an income and long term savings

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Not to my knowledge - it is a complex subject and it was brilliant to have an expert who really knows his stuff to able to explain in simple terms.

What were the circumstances that caused you to initially look for an adviser?

For retirement advice and planning

How has Scott Gallacher helped you?

He has guided us through the process of managing savings and pensions. Have already recommended him several times with successful outcomes

Have you seen the outcome you were hoping for?

Absolutely

What could they have done better?

Nothing

What were the circumstances that caused you to initially look for an adviser?

Death of husband.

How has Scott Gallacher helped you?

Trusrworthy advice and support for managing investments and savings

Have you seen the outcome you were hoping for?

Yes my finances were organised.

What could they have done better?

Nothing

What were the circumstances that caused you to initially look for an adviser?

We have been with Scot for many years and Initially asked for his financial advice regarding investments and pensions and providing for our daughters and grandchild ( hopefully more of the latter )

How has Scott Gallacher helped you?

Advice Via email , phone and personal visits our investments have grown , we do not want high risk investments and Scott and our investments have grown over the years

Have you seen the outcome you were hoping for?

growth in our invested capital and ISA s

What could they have done better?

Possibly but we did not want risky investments

What were the circumstances that caused you to initially look for an adviser?

Better return on long term investment

How has Scott Gallacher helped you?

Setting up the investment platforms and managing.

Have you seen the outcome you were hoping for?

Yes, but varies, as expected with market forces and world events.

What could they have done better?

Nothing as requirements met so far.

What were the circumstances that caused you to initially look for an adviser?

to consolidate and understand several small pensions, and for lump sum investment

How has Scott Gallacher helped you?

We are cautious investors, his advice helps us to make informed decisions

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

We are entirely happy with the service we receive

What were the circumstances that caused you to initially look for an adviser?

Retiring and wished to take stock of finances

How has Scott Gallacher helped you?

Made me realise I have sufficient for long term and able to enjoy life now!

Have you seen the outcome you were hoping for?

Mostly. Initially excellent then Brexit and Covid affected savings but now recovering well

What could they have done better?

Nothing really.