Investment Portfolio Review
An independent look at your existing holdings — fees, risk alignment, and whether the mix still matches your time horizon.
Read moreBruen Bridge · Scotland
Financial advice that reads like a ledger, not a brochure
Westmere helps UK households map pensions, investments, and family wealth into plans you can discuss at the kitchen table — measured, regulated consulting without the jargon fog.
Flagship consultation
Retirement Income Planning
For individuals and couples within a decade of leaving work — or already drawing pensions — we build a written income map: State Pension, workplace pots, ISAs, and the order in which to draw them so monthly spending stays grounded.
- 90-minute planning meeting, office or video
- Cashflow projection against your lifestyle budget
- Written recommendations within ten working days
Related consultations
Other ways we work with you
Each engagement is scoped separately. Fees are agreed before work begins.
Inheritance & Estate Conversations
Practical discussions on gifts, trusts, and how family wealth might pass on — coordinated with your solicitor where needed.
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Workplace Pension Guidance
Help choosing contribution levels, fund options, and whether additional voluntary contributions make sense for your salary.
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How meetings feel
Ledgers before slogans
We start with what you already hold — pension statements, fund valuations, and the spending you refuse to guess at. Recommendations arrive in writing, with room for a mild reservation if the numbers do not stretch as far as hoped.
How we adviseFrom recent clients
Evidence from the work itself
“We came in with three different pension statements and no idea how they fitted together. The retirement income plan laid out a monthly figure we could actually live on — though I still wish we had started the paperwork two months earlier; gathering old statements took longer than expected.”
Margaret H. — Retirement Income Planning, Edinburgh commuting client
“The portfolio review flagged charges I had stopped noticing. No hard sell to move everything overnight — just a clear note on which funds were dragging and which to leave alone.”
James O. — Investment Portfolio Review
Field notes
Guides from the advice desk
When to review your State Pension forecast
A State Pension forecast is a starting point, not a finish line. Here is when it is worth checking again before you lock in retirement dates.
ISA allowances and the December rush
Using the annual ISA allowance need not wait until March. A quieter winter review often leaves room for better fund choices.