Financial Planning for Individuals & Families
Life’s big decisions are easier when your finances are in order. Whether you're building wealth, preparing for retirement, or navigating major life changes, we help you take control — with clarity, confidence, and a plan rooted in what matters most to you. Scroll down to find out more.
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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 would recommend us to their friends or family – and all said they have done so already!
Your Financial Life, In Sync With Your Real Life
From juggling pensions and tax to making investment decisions or protecting your loved ones, personal finances can become complex — quickly. And if you’re like most successful professionals or families, your financial life may have evolved without a clear plan tying everything together.
That’s where we come in.
At Transform we go beyond traditional financial advice. We integrate Life Planning through our registered life planner — helping you uncover your deepest aspirations and align every financial decision with the life you want to live.
What Can Go Wrong Without a Financial Plan?
Without a comprehensive financial plan, life’s big moments can bring unnecessary stress and uncertainty. You might be wondering:
💬 “Will I have enough for retirement?”
💬 “Am I paying more tax than I need to?”
💬 “How do I protect my family if something unexpected happens?”
💬 “Can I make the most of my investments and grow my wealth?”
These are big questions that can keep anyone awake at night.
Without addressing these concerns, you could face:
- Running Out of Money: Poor coordination of pensions and savings can derail your lifestyle goals during retirement.
- Overpaying the Taxman: Without tailored tax planning, you may be giving away more than necessary.
- Family Exposure to Risk: A lack of protection planning can leave your loved ones financially vulnerable if the unexpected happens.
- Missed Investment Growth: Without a strategic, diversified approach, your wealth may not be working as hard as it could be.
What You Get
What to Expect From Your Financial Planning Journey
✔ Discovery Session – A free 60-minute consultation to understand your goals and see if we’re the right fit.
✔ Three Life Planning Sessions (10 hours total) – Deep, structured conversations that bring clarity and direction to your future.
✔ Comprehensive Financial Review – We review pensions, savings, tax, estate planning, and more — with no stone unturned.
✔ Scenario Planning – Explore “what if?” moments, from early retirement to unexpected illness, using our powerful cashflow modelling tools.
✔ Tailored Financial Plan – A clear, bespoke document that aligns every element of your finances with your goals.
✔ Ongoing Support – Your plan will evolve with your life. We provide regular reviews and proactive advice to keep you on track.
Why Clients Trust Us
✅ We Keep It Real
Independent advice that comes with no jargon or fluff—just honest, straightforward advice you can trust.
✅ Tailored to You
Every family and individual is unique. We create personalised plans that align with your life goals and values.
✅ Empathetic Advisors
We listen. We care. And we make space for both the emotional and practical sides of money.
✅ Holistic Approach
From tax to investments to life planning, we bring all the pieces together into one joined-up service.
Angus Kirk
Director & Financial Planner
Shadi Kirk
Director & Financial Planner
Danielle Wilson
Financial Administrator
Our Team. What Makes Us Different?
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.
What It Costs
Our Transparent Pricing
Discovery Session: Free of charge
Full Financial Planning Service: £3,995–£7,995 (depending on the complexity of your financial affairs)
If you’ve already completed our Life Planning service, we deduct £2,495 from this fee.
Implementation Fee: £1,245 + 0.5% of assets advised (capped at £6,000)
Ongoing Management Fee: 1% of investible assets (minimum £2,500/year, capped at £26,000)
Real Clients. Real Stories.
FAQs
What is Financial Planning?
Financial planning involves defining your life goals, evaluating your current financial situation, and creating a roadmap to achieve those objectives. It includes analysing your income, spending, assets, and liabilities to build tailored strategies for saving, investing, and managing money effectively.
What Does a Financial Planner Do?
Financial planners collaborate with you to identify your life and financial goals, then develop strategies to achieve them. You should seek their advice when making complex financial decisions or during major life events such as marriage, starting a family, retirement planning, divorce, or coping with the loss of a loved one.
Is this different from business financial planning?
Yes — business financial planning focuses on aligning your company and personal finances. This service is designed for individuals and families, even if you’re a business owner.
How long does it take to create my financial plan?
We can complete your financial plan within a few weeks.
What level of wealth do I need to use your service?
We typically provide the most value to individuals with at least £500,000 in investable assets (excluding property) or high incomes.
How often should we meet each year?
At a minimum, we recommend an annual review. However, we’re available to support you whenever you need us.
Ready to Start Your Journey?
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.
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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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