Our Financial Planning Expertise
Your financial life is rarely simple. That’s why we offer more than just advice—we deliver expertise in the areas that matter most. Scroll down to learn more.
Practical. Personal. Expertly Delivered.
Why Expertise Matters in Financial Planning
At Transform, we don’t offer standalone products or one-size-fits-all plans. Instead, we build integrated financial strategies that draw on deep technical expertise across several key areas. These specialisms support your wider goals—whether you’re planning for retirement, managing investments, protecting your family, or passing on wealth.
What Clients Need
Most clients don’t come to us asking for “cashflow modelling” or “tax wrappers”—they come with real-life questions:
- “When can I afford to retire?”
- “Will my family be okay if something happens to me?”
- “Am I paying too much tax?”
- “How do I turn my savings into income?”
Our role is to translate those questions into smart, technically sound solutions that give you clarity and control over your financial future.
With Transform, you don’t need to know the jargon—we bring the expertise to you, and explain it clearly.
Advisers You Can Trust
Meet Our Experts
We’re a husband-and-wife team – ably supported by Danielle – who believe financial planning should be personal, not transactional. Clients choose us for our warmth, honesty, and straight-talking advice.
We're Specialists In These Areas
Retirement Planning & Pensions
Make work optional—on your terms.
From workplace pensions and SIPPs to income drawdown and annuity options, we’ll help you navigate the pension landscape. Our retirement planning service helps you transition smoothly, with a tax-efficient strategy that supports your lifestyle.
Estate Planning & Inheritance Tax
Plan your future with confidence.
Cashflow modelling shows you how your financial future could unfold—year by year. It helps answer big questions like “Can I afford to retire?” or “Will I run out of money?” by visualising your income, spending, and assets over time.
Investment Management
Grow your wealth with purpose.
Our investment advice is goal-driven, not product-led. We’ll help you design an investment strategy that aligns with your risk profile, time horizon, and long-term objectives—whether you’re building wealth or drawing income.
Life Planning
Financial advice that starts with your purpose.
Sometimes, it’s not about money—it’s about meaning. Our life planning service helps you uncover your true goals, values and purpose that supports the life you really want to live.
Cashflow Modelling
Plan your future with confidence.
Cashflow modelling shows you how your financial future could unfold—year by year. It helps answer big questions like “Can I afford to retire?” or “Will I run out of money?” by visualising your income, spending, and assets over time.
Financial Protection
Peace of mind for life’s ‘what ifs’.
We advise on life cover, income protection, and critical illness policies tailored to your circumstances. It’s about ensuring that you and your family are financially secure—no matter what the future holds.
Financial Wellbeing
Feel calmer, more confident, and in control.
We help clients overcome financial stress and reconnect with their values through guided coaching. Whether you’re struggling with money habits or simply want to change your relationship with wealth, this service helps you shift your mindset and make clearer decisions.
Tax Planning
Make work optional—on your terms.
From workplace pensions and SIPPs to income drawdown and annuity options, we’ll help you navigate the pension landscape. Our retirement planning service helps you transition smoothly, with a tax-efficient strategy that supports your lifestyle.
Experts You Can Trust
Why Clients Choose Our Advice
✅ Independent – We’re not tied to products or providers.
✅ Integrated – Each area of expertise works together to support your bigger picture.
✅ Personal – No jargon, no off-the-shelf solutions. Just advice that fits.
✅ Tailored – Designed for real people—business owners, professionals, couples, families—navigating real life.
We bring clarity to complexity—helping you feel more confident, in control, and financially secure.
0%
of our clients think that working with us has helped or will help them achieve their financial goals.
0%
of our clients said they were satisfied that we understand their needs, objectives and goals.
0%
of our clients would recommend us to their friends or family – and all said they have done so already!
Client Stories
FAQs
Do you cover all these elements, or just some in my financial plan?
We cover everything. We’ll assess your personal situation, goals, and depending on your financial complexity we might spend more time focused on some areas over others. Our advice is tailored—never templated.
What’s the difference between financial planning and investment advice?
Financial planning covers the full picture—retirement, protection, tax, estate planning, and more. Investment advice is just one part. At Transform, we make sure your investment strategy supports your wider life goals, not the other way around.
Is it possible to make changes to my plan as my life evolves?
Yes. Your plan is reviewed regularly to reflect changes in your life, finances, or goals. Whether you’re retiring earlier, selling a property, or adjusting for inflation, we’ll help you stay on course with confidence.
Want Expert Support That Puts Your Goals First?
You don’t need to figure this all out alone.
At Transform, we give you the clarity and confidence to make decisions that enhance your life — not complicate it.
Book a discovery consultation and take the first step to take control of your financial future.
We also help people who are...
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.
Production