0330 038 8942
Based in Livingston
View locationTop Rated 2026
Top Rated advisers have met the qualification criteria for VouchedFor's Top Rated Guide, as determined by their client feedbackVerified since: March, 2024
5 out of 5
Checks carried out by VouchedFor
FCA Regulated
Steven and/or the firm they work for (or are appointed representatives of) is regulated as appropriate by the Financial Conduct AuthorityLast checked: 08 October 2026
Steven and/or the firm they work for (or are appointed representatives of) is regulated as appropriate by the Financial Conduct Authority
22
Recent Client Reviews
Steven has received 22 client reviews in the past 12 months; 100% of these have been verifiedVerified reviews: 100%
Steven has received 22 client reviews in the past 12 months; 100% of these have been verified
Restricted Financial Adviser
When choosing products or providers, restricted advisers have a limited selection which they can choose from. They may consider products from some, but not all, providers.Last checked: 31 August 2026
When choosing products or providers, restricted advisers have a limited selection which they can choose from. They may consider products from some, but not all, providers.
1
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Steven has added their qualifications to their profile. You can see them by clicking on the ‘qualifications’ tab below1 qualification certificate available to view
Steven has added their qualifications to their profile. You can see them by clicking on the ‘qualifications’ tab below
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About
Most people I work with have done well. Good career, good income, sensible decisions along the way. But they've never had someone sit down with them and show them clearly what it all adds up to, or what it's going to do for the life they actually want. That's where I start. Not with products or paperwork, but with you. What matters most, where you want to go, and what your money needs to do to get you there. I work with professionals and couples, mainly in their 40s and 50s, who are asking questions like: • Can I afford to retire when I want to? • Am I making the most of what I've built? • Is my family properly protected? • What should I actually be doing with my pensions and savings? My advice covers retirement planning, pensions, investment planning, protection, and estate planning. I provide financial advice in Edinburgh and the wider central belt of Scotland. I've been a VouchedFor Top Rated adviser for 2025 and 2026, based on reviews from clients who value clarity, honesty, and advice that actually makes sense. Because I've never believed money is the point. The life it makes possible is. The value of an investment with St. James's Place will be directly linked to the performance of the funds you select and the value can therefore go down as well as up. You may get back less than you invested. An investment in equities does not provide the security of capital associated with a deposit account with a bank or building society. The levels and bases of taxation and reliefs from taxation can change at any time. The value of any tax relief depends on individual circumstances. Auto-Enrolment products are not regulated by the Financial Conduct Authority. This Partner/Partner Practice is an Appointed Representative of and represents only St. James's Place Wealth Management Plc (which is authorised and regulated by the Financial Conduct Authority) for the purpose of advising solely on the Group's wealth management products and services, more details of which are set out on the Group's website at www.sjp.co.uk/products. The ‘St. James’s Place Partnership’ and titles ‘Partner’ and ‘Partner Practice’ are marketing terms used to describe St. James’s Place representatives. SJP Approved xx/xx/xxxx