Fiona MacLeod
Leads retirement income engagements and joint meetings with couples. Previously spent a decade advising public-sector pension holders across central Scotland.
Practice
A coastal Scotland practice for careful money decisions
Harbour Crest Financial grew from advising teachers, NHS staff, and owner-managers who needed retirement plans they could explain at the kitchen table — not presentations built for a boardroom.
Why we practise this way
Clients arrive with overlapping workplace schemes, half-finished ISA contributions, and a leave date that keeps moving. Our job is to slow the conversation enough to order those facts, then write advice that a partner or adult child can follow.
We stay deliberately small. That limits how many full retirement plans we take on each quarter, and it keeps the same adviser involved from discovery call to follow-up.
People you may meet
Callum Reid
Focuses on workplace pension reviews and investment consultations for mid-career clients. Coordinates document collection before planning meetings.
How we work with clients
We prefer fewer, deeper engagements. Advice is personal and regulated under UK rules; we do not sell guaranteed market outcomes. Where a solicitor or accountant should lead — wills, company accounts — we say so and introduce rather than stretch beyond our remit.
- Written fees before advice work
- Recommendations you can share with family
- Clear boundary between advice and legal or tax filing work
Grounded in GB practice
Our office sits at 3872 Mavis Drive, Quigley-on-Miller, Scotland, United Kingdom. Much of our face-to-face work serves households across Scotland; video consultations extend the same process to clients elsewhere in the UK who already hold UK pensions and tax wrappers.
Visit or write to usAsk whether we are the right fit
A short enquiry is enough. If another firm suits your situation better, we will say so plainly.
Get in touch