Later Life Advice in Scotland

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We help guide you through the complexities and plan for the future, whether it be saving tax, providing a lifetime income or how to manage your care costs or those of a relative. 
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  • Just Retirement Solutions (JRS) identifies on average £232 in unclaimed state benefits per person annually
  • This report reviews the 1800 or so unit linked mainstream pension funds that are available to UK savers. It takes a ten year view, covering the period up to 31st August 2009, effectively a review of the first decade of the new millennium.
  • The report is a damning indictment of the state of this market, revealing a number of very striking conclusions; the main thrust of which is the management of funds in this area which has left pension savers in an invidious position. Just one figure of the many we have found demonstrates this: the combined increase in value of all pension funds over the past ten years* is a paltry 21.8%. This is very roughly 2% per year: this is the combined effort of the pension fund industry measured as a weighted return to their policy and plan holders.
Watt Financial Solutions
 Independent Financial Advisers
 Suite F, 30 Newmarket Street
 FK1 1JQ
Tel: 01324 888824
Meeting Office also at Charing Cross, Glasgow.

For Investment Planning we make recommendations based upon the Whole of Market.

The levels, bases and reliefs of taxation are subject to change.

The guidance provided within this website is subject to the UK regulatory regime and is, therefore, primarily targeted at consumers based in the UK. This site does not confer any form of personalised financial advice, should you wish to receive specific financial advice please contact us. 

Watt Financial Solutions is an
appointed representative of TenetConnect Services Ltd,
which is authorised and regulated by the Financial Services Authority. 
TenetConnect Services Ltd is entered on the FSA register under reference 150643.