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Darsco Wealth – Retirement and Financial Planning Edinburgh

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Countryside scene representing long-term financial and retirement planning

Retirement Planning for your best life.

Our advice service is designed to fit to you and your unique life. Your financial plan and delivery against the plan is as unique as you are.

Schedule a call

What we will do:

Build you a financial plan

We will build you a robust financial plan for your retirement and monitor your objectives regularly to make sure you're still on track.

Simplify your situation

We will simplify your circumstances, identify solutions and talk to you in a way you’ll enjoy and understand.

Discuss

We will regularly discuss your plan with you, with our advice designed to help you to achieve the financial future and life that you desire.

What we won't do:

Only look at your money

We will never recommend anything unless we completely understand your whole life. It's only then that we can say what works for you.

Leave you in the lurch

True financial planning only works when you make adjustments to stay on track. We'll be on hand to help you live your best life.

Put you in a telephone queue

Our small, focused team are contactable around the clock, meaning you won't need to hear hold music.

Our 3 step process:

Discuss your financial goals and retirement plans

1

Discuss

We meet with you to discuss and help you understand what it is you want to achieve.

Design a financial plan tailored to your life

2

Design

We’ll design you a plan that helps you get to where you want to be.

Adapt your plan as circumstances change

3

Adapt

We’ll regularly monitor and adapt your plan to make sure that you always stay on course.

What this costs...

We offer independent financial planning, with no hidden costs.

We provide a personal but professional service, with the knowledge that everyone is an individual with differing needs and wants and meeting these always comes first.

We’ll always agree upfront what the fees are and these will be fixed at the start which is, in our view, a more appropriate approach to paying for financial planning advice. Fees are based on the work and complexity involved in creating and maintaining your financial plan.

Our process consists of 4 stages:

Trusted financial planning partnership

Initial Chat

This is free of charge and is focused on you, not your money. For us, it’s about getting to know you, your family and your ambitions, as well as understanding what makes you tick and keeps you awake at night.

We will, of course, discuss money, how you feel about it, how it makes you feel and understand what it is that drives you (or holds you back), for us this is key so that we can help you achieve your goals.

Cost: Free

Clear financial planning advice and guidance

Developing the plan.

If you decide to work with us after the initial meeting, then you’ll be asked to complete our Client Agreement and we’ll start to dig deeper into understanding what’s going on.

We will gather all the necessary information on your circumstances, followed by a full analysis of where you are, where you want to be and your desired outcomes. By doing this, we’ll create a set of recommendations and then we’ll present these to you, even if it’s not what you want to hear, we’ll be honest and objective so that you have the complete picture.

Cost: £1500

this amount will be deducted from any implementation charges

Tailored financial planning solutions

Implementation.

At this stage, you can make the decision to take the recommendations provided in Stage 2 and implement them yourself, or whether you want to work together. We believe so passionately about this, that we’ll only implement the recommendations if you agree to working together going forward.

We’ll implement the recommendations, produce the full financial plan, run cashflow models, remove the administrative burden, giving you the peace of mind and security of knowing that everything is done for you.

Cost: Up to 1%

of the initial investment up to a maximum of £10,000 as an initial fee.

Ongoing financial planning and review process

Ongoing Service.

It’s our view that you’ll achieve more working with us, so we’ll manage your plan, offering a ‘coffee and catch up’ as well as a more formal annual review meeting to monitor your changing circumstances.

There are circumstances where ongoing service isn't appropriate, ie lifetime annuity products, if this is the case we'll tell you.

As they say, life is what happens when you're busy making plans, so we recognise that catching up is critical. We will always be available on an ongoing basis to discuss any queries or concerns you may have, providing a sounding board for what’s on your mind.

Cost: Up to 1%

of the initial investment, agreed at the outset and fixed as a regular monthly amount, up to a maximum of £10,000pa.

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