Transform Your Finances. Live Your Best Life.
At Transform, we empower clients across Scotland to make the right financial decisions to lead the most fulfilling life. Our financial planning service gives you the confidence and clarity to live your life on your terms.
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of our clients think that working with us has helped or will help them achieve their financial goals.
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of our clients said they were satisfied that we understand their needs, objectives and goals.
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of our clients would recommend us to their friends or family – and all said they have done so already!
Tailored Financial Planning Services
Who We Help
We’re here to help successful individuals, prosperous families and business owners in Edinburgh and across Scotland make confident financial decisions. Whether you’re planning for retirement, navigating a life-changing event, or want to make a positive impact for something you care about, husband-and-wife duo Shadi and Angus are here to help plan your best life.
Financial Planning for High Income Individuals & Families
From accumulating wealth to planning your retirement, we help high-income individuals and households create a financial plan that works for now and the future.
Financial Planning for Business Owners
We help business owners plan both personal and business finances ensuring you build wealth, protect assets, prepare for exit, and secure your family’s future.
Financial Wellbeing for People Worried About Money
Our financial wellbeing program combines financial advice with NLP-based coaching and emotional insight to help you break old money habits and manage anxiety.
Employee Support Program for HR Directors in Corporates
Our financial wellbeing employee assistance program supports employers and HR Directors who want to enhance wellbeing in the workplace.
Independent Advice You Can Trust
When You Might Need Our Expertise
There might be several scenarios that may prompt you to seek our financial planning advice. If you’re thinking any of the following, discover how we can help you:
“I’m ready to stop working — but can I afford to?”
“I’ve come into money unexpectedly — what should I do?”
“I want to start investing — where do I begin?”
“I’m selling my business — how do I reduce my tax bill?”
Removing the Stress Around Money
Financial Challenges We Help You Overcome
We understand that financial success doesn’t always equal financial clarity. You might be feeling:
Uncertain About Your Finances
You want clarity on your options to secure a stable financial future for you and your family.
A Lack of Financial Organisation
With multiple accounts and investments in different places, you’re unsure how to bring them all together.
Financial Disinterest
You find managing your money confusing or tedious, and you’re unsure how to make it work better for you.
Overwhelmed by Decisions
You feel unsure about which financial choices to make or how to plan for the future, leaving you feeling overwhelmed.
A Brighter Future
We Bring Purpose to Your Life
Here’s what you can expect when you work with us:
✅ Confidence: Our expert advice keeps you on track, helping you make the right adjustments today for the lifestyle you desire tomorrow.
✅ Wellbeing: Our expert advice keeps you on track, helping you make the right adjustments today for the lifestyle you desire tomorrow.
✅ Peace of Mind: We’ll create a financial plan and take care of the details, so you can focus on enjoying life without the stress of managing finances.
✅ Fulfilment: Our financial strategies are designed to inspire optimism and help you achieve the life you’ve always dreamed of.
Our Unique Services: Going Deeper Than Just Numbers
Holistic Financial Planning Expertise
Our financial planning service takes a holistic view of your life and covers all the essential elements to give you complete peace of mind.
Find Your Purpose With Life Planning
Using the EVOKE® model, we help you uncover what truly matters to you — then build your finances around it. Ideal if you’re at a crossroads or craving a more meaningful direction.
Guiding You Through Life's Key Milestones
From buying your first home to planning your legacy, we provide tailored financial planning aligned with where you are now—and where you’re heading next.
Guiding You Through Life-Changing Events
Whether you’ve got an unexpected inheritance from a long-lost relative to winning the National Lottery, we provide strategic guidance on how to maximise your new found wealth.
Your Journey With Us
Our Process: Simple, Personalised & Clear Advice
When it comes to how we work together, we favour a gentle and nurturing approach. Spread across six stages, our process involves a lot of collaboration and exploration. It all begins with a friendly conversation that is free and carries no-obligation to sign up to our service.
What Makes Us Different
Why Choose Us
At Transform we talk about you before you talk about the numbers. We understand that money can be a source of stress, confusion, or even fear—we’re here to change that.
Our mission is to empower you, boost your confidence, and help you take control of your financial future. With our clear and straight-forward advice, you’ll gain more than just a financial plan—you’ll gain the freedom to live life on your own terms.
✔ Tailored Advice
No one-size-fits-all solutions. We create bespoke plans that are centred and aligned with your lifestyle, goals, and financial circumstances.
✔ Expertise You Can Trust
We blend years of experience with modern financial strategies, ensuring you receive the best advice tailored to today’s world.
✔ Friendly, Fun, and Honest
We’re not your average financial planners. With us, you’ll get straightforward advice that’s light-hearted, simple, and easy to understand.
✔ A Husband-and-Wife Team
Shadi and Angus bring a personal, collaborative approach to your financial planning. Their shared vision and unique dynamic allow us to understand and support both individual and family financial goals.
Angus Kirk
Director & Financial Planner
Shadi Kirk
Director & Financial Planner
Danielle Wilson
Financial Administrator
Meet the Team Behind Transform
We’re a husband-and-wife team who believe financial planning should be personal, not transactional. Clients choose us for our warmth, honesty, and straight-talking advice.
Real People. Real Stories.
Ready to Build a Better Financial Future?
Your financial future starts with a single conversation — no cost, no pressure, just honest advice from a team who cares.
Transform Financial Planning (FP) is a trading style of Bridge Investments Partners Ltd. Bridge Investments Partners Ltd is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register https://register.fca.org.uk/ under reference no. 608975.
Registered in Scotland. Company Number: SC456760. Registered Address: 19 Monktonhall Place, Musselburgh, Scotland, EH21 6RR.
The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK. Regulations, levels and bases of taxation are subject to change. The value of your investment can go down as well as up and you may not get back the full amount you invested.
The Financial Conduct Authority does not regulate Inheritance Tax Planning, Business Planning, Will Writing, Taxation and Trust Advice. The firm is not responsible for the content of external links. The content is aimed at UK residents or residents of MiFID countries. See our Website Terms of Use.
Making a Complaint
If you wish to register a complaint, please email hello@transformfp.com or write to us at Transform FP, Compliance Officer, 129-131 Comely Bank Road, Edinburgh, EH4 1BH UK, or telephone us on 0131 315 222.
A summary of our internal complaints handling procedures for the reasonable and prompt handling of complaints is available on request. If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at www.financial-ombudsman.org.uk or by contacting them on 0800 023 4567.
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