Keith Roseburgh

First impression from a user who is not yet a client

October, 2024

Please provide a brief comment about your experience with Keith

Lucid, coherent and generally knowledgeable but completely to the points at issue. In a down to earth and friendly way Keith helped me to choose the best options and assisted my successful applications. Not a second was wasted yet he was a very relaxed mentor. An altogether rewarding experience ;)

Repeat review from verified client

July, 2024

This review is a follow-up review from a client who left a review previously.

How has Keith Roseburgh helped you since your last review?

He has done exceptionally well with my investments

First impression from a user who is not yet a client

July, 2024

Please provide a brief comment about your experience with Keith

Really clear concise and focused advice, relating to my situation. Useful checking on different possible scenarios that arose through our conversation. Offer to respond to any subsequent queries that occurred later.

Repeat review from verified client

May, 2024

This review is a follow-up review from a client who left a review previously.

How has Keith Roseburgh helped you since your last review?

We have continued to receive first class service and advice on financial matters, including pension drawdown, savings and tax planning.

Repeat review from verified client

May, 2024

This review is a follow-up review from a client who left a review previously.

How has Keith Roseburgh helped you since your last review?

Now that we have both retired Keith has helped us with our monthly expenditure and helped us invest our money wisely. He is very focused on our best interests and monitors our investments regularly.

Repeat review from verified client

May, 2024

This review is a follow-up review from a client who left a review previously.

How has Keith Roseburgh helped you since your last review?

Over the last year I’ve had no need to contact Keith other than my annual review. However it is reassuring to know he is only a phone call away. This was demonstrated when Keith provided my wife with some very clear financial advice when dealing with her sister’s finances

Keith's reply

Thanks for the kind messages. Looking forward to our meeting this year

Repeat review from verified client

April, 2024

This review is a follow-up review from a client who left a review previously.

How has Keith Roseburgh helped you since your last review?

Keith has helped me to draw some of my tax free sum for some home improvements and explained the step by step process.

Repeat review from verified client

April, 2024

This review is a follow-up review from a client who left a review previously.

How has Keith Roseburgh helped you since your last review?

Keith is always available to give me advice when I need it and has helped me with pension drawdown.

Repeat review from verified client

April, 2024

This review is a follow-up review from a client who left a review previously.

How has Keith Roseburgh helped you since your last review?

Just keeping us informed on how our investments are doing and advising us on the best way forward

Repeat review from verified client

April, 2024

This review is a follow-up review from a client who left a review previously.

How has Keith Roseburgh helped you since your last review?

Keith carried out his annual visit, this is part of our financial planning. Keith had prepared an assessment of the growth of our investments and we went through the information verbally. Both written information and verbal information was presented in a manner that we could easily understand and to grasp concepts. Keith provided scenarios in relation to any requests to access funds and gave us advice as required. We are completely happy with the service Keith has provided to date. Keith remains professional throughout meeting but is friendly and my husband and I feel comfortable asking questions.

Keith's reply

thank you for the kinds words. Its a pleasure helping you secure your financial future and to enjoy retirement

First impression from a user who is not yet a client

January, 2024

Please provide a brief comment about your experience with Keith

Very informative and helpful

First impression from a user who is not yet a client

January, 2024

Please provide a brief comment about your experience with Keith

He persevered with me even though I missed many calls and was very kind

Repeat review from verified client

December, 2023

This review is a follow-up review from a client who left a review previously.

How has Keith Roseburgh helped you since your last review?

Same excellent service as before

Repeat review from verified client

December, 2023

This review is a follow-up review from a client who left a review previously.

How has Keith Roseburgh helped you since your last review?

Keith explains in detail about my pension scheme.

Repeat review from verified client

July, 2023

This review is a follow-up review from a client who left a review previously.

How has Keith Roseburgh helped you since your last review?

He had done the best with my investment as it has increased

Repeat review from verified client

July, 2023

This review is a follow-up review from a client who left a review previously.

How has Keith Roseburgh helped you since your last review?

He discussed for the future

Review from verified client

May, 2023

What were the circumstances that caused you to initially look for an adviser?

Retirement

How has Keith Roseburgh helped you?

Provided reassurance and excellent advice regarding savings, pensions and taxation. Organised pensions and drawdowns and provided regular updates on financial position.

Have you seen the outcome you were hoping for?

Yes. Despite a downturn in the financial markets we do not feel panicked. Keith is always on hand to offer up to date advice.

What could they have done better?

Nothing

Review from verified client

May, 2023

What were the circumstances that caused you to initially look for an adviser?

Wanted help and advice on current savings and pension scheme.

How has Keith Roseburgh helped you?

Keith looked at all our savings, policies and pension scheme. Looked at other options for us to consider and change to. if we wished to do so.

Have you seen the outcome you were hoping for?

Yes we have been delighted with the outcome of changing and all the advice he has given us.

What could they have done better?

Nothing. Keith is an excellent advisor and always available to help us and answer any questions we may have. Keeps us regularly up to date with any information that may be of interest or help to us.

Review from verified client

May, 2023

What were the circumstances that caused you to initially look for an adviser?

Wanted advice on savings and investment

How has Keith Roseburgh helped you?

Given sound advice & discussion

Have you seen the outcome you were hoping for?

Yes in general

What could they have done better?

N/A

Repeat review from verified client

April, 2023

This review is a follow-up review from a client who left a review previously.

How has Keith Roseburgh helped you since your last review?

Keith has provided a regular newsletter on financial matters that has appropriate and relevant articles and information on matters to consider. He also provided no cost advice to a friend who I suggested should contact him.

Repeat review from verified client

April, 2023

This review is a follow-up review from a client who left a review previously.

How has Keith Roseburgh helped you since your last review?

Keith helped me to get a better understanding of of other pension s that I have and explained the forms great help

Keith's reply

Thanks Paul

Review from verified client

April, 2023

What were the circumstances that caused you to initially look for an adviser?

I needed advice on my retirement needs

How has Keith Roseburgh helped you?

Keith helped me with advice on my pension pots and isa.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing,I am happy with the outcome.

Review from verified client

April, 2023

What were the circumstances that caused you to initially look for an adviser?

To invest money which we had in yhe bank

How has Keith Roseburgh helped you?

Yes he has been our advisor since he started on his own.

Have you seen the outcome you were hoping for?

Not really but the state of the country is in you just have to wait and not panic

What could they have done better?

No Been well advised what to do

Repeat review from verified client

April, 2023

This review is a follow-up review from a client who left a review previously.

How has Keith Roseburgh helped you since your last review?

Keith has helped me with advice in pension draw down and isa and is always available for advice

Repeat review from verified client

April, 2023

This review is a follow-up review from a client who left a review previously.

How has Keith Roseburgh helped you since your last review?

Keeps me upto date with what is going on in the pensions market

Repeat review from verified client

April, 2023

This review is a follow-up review from a client who left a review previously.

How has Keith Roseburgh helped you since your last review?

Kept us informed of our present financial situation and the best return we can get for out capital

Review from verified client

March, 2023

What were the circumstances that caused you to initially look for an adviser?

My husband and I both had private pensions and we needed advice and support to make decisions and access the finance.

How has Keith Roseburgh helped you?

Keith came to our home and. We explained our circumstances. He explained how he could help us and what needed to be done. Keith listened to our views and proposed an action plan. Keith remained in contact and carried out 2 more visits. Keith gave us advice and choices about how to use the money now and in the future. Set up a plan and spreadsheet . Keith invested the money for us and explained how we could use drawdown to access what we needed.

Have you seen the outcome you were hoping for?

Absolutely, it was a minefield for both of us. Keith explained and gave us choices throughout the process. We could not have managed this situation by ourselves.

What could they have done better?

Nothing! We are completely satisfied.

Keith's reply

Hi June Thanks for the review really appreciated.

First impression from a user who is not yet a client

February, 2023

Please provide a brief comment about your experience with Keith

Keith was very helpful and upfront even though he couldn’t help with my particular situation.

Keith's reply

Thanks Fizza. Hope you find a solution to your issue

Repeat review from verified client

December, 2022

This review is a follow-up review from a client who left a review previously.

How has Keith Roseburgh helped you since your last review?

Keith has provided sound advice and explanations as required.

Repeat review from verified client

December, 2022

This review is a follow-up review from a client who left a review previously.

How has Keith Roseburgh helped you since your last review?

Alway got time to advise me with any financial information

Review from verified client

July, 2022

What were the circumstances that caused you to initially look for an adviser?

Got lump sum after taking my pension from work

How has Keith Roseburgh helped you?

He made things simple to understand and helped me think about the future

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

Repeat review from verified client

July, 2022

This review is a follow-up review from a client who left a review previously.

How has Keith Roseburgh helped you since your last review?

Yes

Repeat review from verified client

May, 2022

This review is a follow-up review from a client who left a review previously.

How has Keith Roseburgh helped you since your last review?

Regular updates covering current legislation and financial planning advice relevant to our circumstances.

Repeat review from verified client

April, 2022

This review is a follow-up review from a client who left a review previously.

How has Keith Roseburgh helped you since your last review?

Although geographically we are 300 miles apart Keith is only a phone call away. I needed some advice in relation to a disabled relative’s finances. Keith listened to the problems and advised clearly how I should proceed protecting myself and the relative legally. The advice relieved a stressful situation.

Review from verified client

April, 2022

What were the circumstances that caused you to initially look for an adviser?

I had an opportunity to retire early and I wanted advice as to best use the money I had available and to help double check my own calculations.

How has Keith Roseburgh helped you?

Keith promptly understood my situation and was good as asking me what I wanted to do, not how much money I wanted to make. He then gave me options and provided information, guidance as to how I could choose which option would be best for me. There was no hard sell, no you should do, but rather a clear explanation of the upsides and downsides of various options.

Have you seen the outcome you were hoping for?

Yes. I have been at easy with the decisions I made.

What could they have done better?

Keith's advice was good for my situation. I haven't looked at other advice.

Review from verified client

April, 2022

What were the circumstances that caused you to initially look for an adviser?

Poor investment return

How has Keith Roseburgh helped you?

Assisted with investment portfolio

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

Repeat review from verified client

April, 2022

This review is a follow-up review from a client who left a review previously.

How has Keith Roseburgh helped you since your last review?

Regular email keeping me up to date with financial changes and advice

Review from verified client

April, 2022

What were the circumstances that caused you to initially look for an adviser?

Retirement

How has Keith Roseburgh helped you?

He has guided me through the options I had with my pension pots,which one to use as an annuity and which one to keep and draw down from.

Have you seen the outcome you were hoping for?

Absolutely delighted with the outcome so far.

What could they have done better?

Nothing as far as l am concerned.Keith explains everything clearly.

Review from verified client

April, 2022

What were the circumstances that caused you to initially look for an adviser?

Unhappy with investments tied to bank. Unhappy with pension performance

How has Keith Roseburgh helped you?

Helped to change everything about.

Have you seen the outcome you were hoping for?

Yes delighted

What could they have done better?

Nothing

Repeat review from verified client

April, 2022

This review is a follow-up review from a client who left a review previously.

How has Keith Roseburgh helped you since your last review?

Kept tabs on investment & given advice re COVID impact

First impression from a user who is not yet a client

April, 2022

Please provide a brief comment about your experience with Keith

very pleasant and informative

Repeat review from verified client

April, 2022

This review is a follow-up review from a client who left a review previously.

How has Keith Roseburgh helped you since your last review?

Keith has always made himself available to give me advice when I need it and very quick and efficient when I need to draw funds.I find it very reassuring to have him looking after my finances in such turbulent times.Keith is also a very personable guy and very relaxing to deal with.I would and have strongly recommended him to friends.I am 100% happy with the service I receive from Keith.

Repeat review from verified client

April, 2022

This review is a follow-up review from a client who left a review previously.

How has Keith Roseburgh helped you since your last review?

Always keeping me upto date on how my funds are performing

Repeat review from verified client

April, 2022

This review is a follow-up review from a client who left a review previously.

How has Keith Roseburgh helped you since your last review?

Kept us in touch with the state of the financial climate and advised us what we should do

Review from verified client

December, 2021

What were the circumstances that caused you to initially look for an adviser?

I retired from work a few years earlier than I had planned to do so and I wasn't sure if my savings and pension products would meet my longer-term future needs.

How has Keith Roseburgh helped you?

Keith helped me by setting out a comprehensive budget for my current and future living costs and challenging some of my assumptions where I might have been trying to 'cut some corners'. He further reviewed my pension products and made recommendations to move these to a new pension fund manager. Part of this process included Keith prompting (again through professional yet amiable challenge) to really think about my approach to risk and striking a balance between risk and the meeting of my future expectations. I agreed with Keith's recommendation to move my pension products and he managed this for me in a seamless manner. Keith further made the case for me to begin drawing down an income from my pension product in a tax efficient manner.

Have you seen the outcome you were hoping for?

Whilst still relatively early days, I'd say that Keith's services have helped me achieve some peace of mind and in doing so contributed to my well-being. The performance of my pension products (for which I now pay considerably less in fees) have thus far positively exceeded the original assumptions.

What could they have done better?

Difficult to say.

Keith's reply

Thank you Peter for the kind words and I look forward to continuing to provide you with the bespoke advice you require going forward

Review from verified client

December, 2021

What were the circumstances that caused you to initially look for an adviser?

Pending Retirement

How has Keith Roseburgh helped you?

Understanding options in terms of pension funds management

Have you seen the outcome you were hoping for?

Yes - so far

What could they have done better?

Nothing

Keith's reply

Thanks for leaving the review

Review from verified client

December, 2021

What were the circumstances that caused you to initially look for an adviser?

Pending retirement

How has Keith Roseburgh helped you?

Provided sound advice, explanations of available options, cashflow projection and ongoing advice/service

Have you seen the outcome you were hoping for?

Very much so

What could they have done better?

Nothing else at this moment in time

Review from verified client

November, 2021

What were the circumstances that caused you to initially look for an adviser?

Had a few pensions that needed advice on

How has Keith Roseburgh helped you?

Was a great help transferring and advising me on a few pensions i have. I needed advice and Keith explained clearly what I needed to do

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

No complaints whatsoever

Repeat review from verified client

October, 2021

This review is a follow-up review from a client who left a review previously.

How has Keith Roseburgh helped you since your last review?

He has continued with the setting up of my portfolio to include my legal and general pension

Repeat review from verified client

October, 2021

This review is a follow-up review from a client who left a review previously.

How has Keith Roseburgh helped you since your last review?

Sends e mails and financial advise on a regular timescale

First impression from a user who is not yet a client

September, 2021

Please provide a brief comment about your experience with Keith

I find finance very confusing but Keith helped me look at things in an easy to understand way.

Repeat review from verified client

July, 2021

This review is a follow-up review from a client who left a review previously.

How has Keith Roseburgh helped you since your last review?

He has invested my funds and I'm happy with the outcome

First impression from a user who is not yet a client

July, 2021

Please provide a brief comment about your experience with Keith

Prompt response to request for info , very helpful and informative. My questions were around inheritance tax , which were all answered , along with a couple of other points I had not considered. Thank you

Review from verified client

January, 2021

What were the circumstances that caused you to initially look for an adviser?

Looking to get a mortgage - first time buyer.

How has Keith Roseburgh helped you?

Keith sourced us a mortgage. Keith is very helpful - went above and beyond throughout the full mortgage application process.

Have you seen the outcome you were hoping for?

Yes - 100%

What could they have done better?

Nothing at all - Keith was excellent throughout the full process.

Review from verified client

October, 2020

What were the circumstances that caused you to initially look for an adviser?

extra finances for new house

How has Keith Roseburgh helped you?

advised me how to go about getting the extra money his advise was excellent

Have you seen the outcome you were hoping for?

yes

What could they have done better?

dont think he could have done anything better it all went smoothly

Review from verified client

October, 2020

What were the circumstances that caused you to initially look for an adviser?

First time buyers

How has Keith Roseburgh helped you?

Advised on options for buying house with new mortgage. Set up mortgage and sorted out life insurance, critical illness cover and income protection

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing. Brilliant from start to finish with all aspects. Easy to contact if any questions need answered

Review from verified client

October, 2020

What were the circumstances that caused you to initially look for an adviser?

early retirement due to ill health

How has Keith Roseburgh helped you?

Went through all my options with myself and my wife , and came up with a solution that i had nt thought of . This suited my needs and we are currently awaiting it to come into play , once all the financial / legal papers are processed.

Have you seen the outcome you were hoping for?

So far yes , but still to see in the long run.

What could they have done better?

Nothing so far .

Review from verified client

October, 2020

What were the circumstances that caused you to initially look for an adviser?

Preparing for retirement and wanted to e sure we could maintain our lifestyle in retirement.

How has Keith Roseburgh helped you?

Gave honest, personalised advice about what we could and couldn't do. He always talked through the various options. He also advised us about pension transfers we both wanted to explore

Have you seen the outcome you were hoping for?

Yes even better than expected .We are able to retire earlier than thought would be able to due to the advice and confidence Keith has given us.

What could they have done better?

Not sure Keith could have done anything better.

Review from verified client

July, 2020

What were the circumstances that caused you to initially look for an adviser?

I took early retirement and had funds that I didn't want to leave in the bank.

How has Keith Roseburgh helped you?

Keith advised me where to put my funds but explained that when I invest my funds may go up and down

Have you seen the outcome you were hoping for?

Yes I'm pleased with what had happened with my funds within a year

What could they have done better?

Keith couldn't have done anything better as explained everything to me that I could understand

Review from verified client

June, 2020

What were the circumstances that caused you to initially look for an adviser?

Retirement planning and redundancy

How has Keith Roseburgh helped you?

Reviewed joint finances end to end and gave clear and useful advice re investments and tax. Arranged transfer of pensions from previous employer schemes.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

N/A

Review from verified client

May, 2020

What were the circumstances that caused you to initially look for an adviser?

Retirement planning

How has Keith Roseburgh helped you?

We were offered an initial consultation to discuss our personal circumstances and a follow up meeting, both of which were conducted in a timeous and highly professional manner. The advice offered was tailored to suit our own personal circumstances and we were given a projected cash flow forecast, which made absolutely clear anticipated finances over our lifetime.

Have you seen the outcome you were hoping for?

The detailed forecast, and sound advice, gave us peace of mind to make the decisions we have decided upon for our future

What could they have done better?

We were entirely satisfied with the service provided. We would not hesitate to recommend the services of Keith Roseburgh to family and friends.

Review from verified client

April, 2020

What were the circumstances that caused you to initially look for an adviser?

Wanted to get a return on my savings.

How has Keith Roseburgh helped you?

Keith provided advise and recommendations of various ways forward and the impacts that would have on my money

Have you seen the outcome you were hoping for?

Yes, growth in moderate risk even in these uncertain times

What could they have done better?

I don’t think there was anything

Review from verified client

April, 2020

What were the circumstances that caused you to initially look for an adviser?

Remortgaging

How has Keith Roseburgh helped you?

He organised my remortgaging and found me the best deal

Have you seen the outcome you were hoping for?

Yes

Review from verified client

April, 2020

What were the circumstances that caused you to initially look for an adviser?

in 2015 I was made redundant and was advised to seek out an financial adviser for some guidance and advice on my pension pot , my daughter and I shopped around and found Keith who explained every thing I needed to know and assessed what my requirements were regarding my pension fund

How has Keith Roseburgh helped you?

Keith helped me by assessing the level of risk I would take regarding the investment of my fund , helped me draw out a percentage of my fund to help me get back on track after my redundancy .

Have you seen the outcome you were hoping for?

So far I have had no issues , Keith informs me with our annual meeting and explains how my pension is working for me and seems to be working , will have to wait and see if this COVD-19 has and adverse impact on my pension fund.

What could they have done better?

cant find fault in the service Keith has provided the annual review is well prepared, and explained well if I am not to sure of some of the pension jargon.

Review from verified client

April, 2020

What were the circumstances that caused you to initially look for an adviser?

Additional borrowing from my mortgage provider, requiring affordability assessment

How has Keith Roseburgh helped you?

Affordability assessment and submission of application

Have you seen the outcome you were hoping for?

Yes

Review from verified client

April, 2020

What were the circumstances that caused you to initially look for an adviser?

I was approaching 65 and needed independent advice on my financial standing.

How has Keith Roseburgh helped you?

He advised me on the pension schemes I had,which one to take as an annuity and the other to change onto a more flexible pot to draw down from

Have you seen the outcome you were hoping for?

Up until the present troubles I was delighted with the outcome and understand we are in quite different Financial Times and that makes me less worried with sound advice always available.

What could they have done better?

I am genuinely struggling to think of anything that I might nit pick about.

Review from verified client

April, 2020

What were the circumstances that caused you to initially look for an adviser?

I was offered redundancy as a pension. My acceptance of the terms was time limited and I need to get advice quickly.

How has Keith Roseburgh helped you?

Keith looked to understand my situation and what I wanted to achieve. He did not try to sell me products, rather gave me the options and explained how they could support what I wanted to achieve. he explained the pluses and minuses of the options so I could make informed choices.

Have you seen the outcome you were hoping for?

In the end I felt more confident in making the decisions I needed to make at a time when I was under time pressure from my employer. I would definitely recommend Keith.

Review from verified client

April, 2020

What were the circumstances that caused you to initially look for an adviser?

To restart my pension

How has Keith Roseburgh helped you?

He guided me through the different options

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

I have no complaints about the service received

Review from verified client

April, 2020

What were the circumstances that caused you to initially look for an adviser?

Needed help with retirement pension and savings

How has Keith Roseburgh helped you?

Keith helped with my pension and my savings and investments.

Have you seen the outcome you were hoping for?

Yes delighted with everything

What could they have done better?

Keith's help and advice has been excellent and don't feel anything could have been done better.

Review from verified client

April, 2020

What were the circumstances that caused you to initially look for an adviser?

Looking for better return on investment

How has Keith Roseburgh helped you?

Reviewed my finances and my requirements of my savings. He then went on to suggest an investment portfolio for me

Have you seen the outcome you were hoping for?

Generally yes

Review from verified client

April, 2020

What were the circumstances that caused you to initially look for an adviser?

I used Keith when he was employed with the Bank of Scotland and moved when he went on his own.

How has Keith Roseburgh helped you?

he advised us on financial investments

Have you seen the outcome you were hoping for?

He has kept us informed on all accounts of our investments

What could they have done better?

Not a lot as the state of the country is not very good for investments at the moment

Review from verified client

April, 2020

What were the circumstances that caused you to initially look for an adviser?

Pulling numerous companies pensions into one

How has Keith Roseburgh helped you?

Pulled it all together

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing, all good