FAQs

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Do you offer independent financial advice?

Yes. Keith Roseburgh Financial provides independent financial advice for clients in Dalkeith, Edinburgh and the Lothians. You can find out more about Keith and his approach on the About Keith page.

Does the Financial Conduct Authority (FCA) regulate you?

Keith Roseburgh Financial Limited is an Appointed Representative of ValidPath Limited which is authorised and regulated by the Financial Conduct Authority, Firm Reference Number 197107.

Can I choose between meeting in person or on a video call?

Yes. You can choose to meet Keith in person or by video call, depending on what is most convenient and comfortable for you. The aim is to make getting advice straightforward and easy to fit around your life.

Where are face-to-face meetings held?

Face-to-face meetings are usually held at your home. Keith does not operate from a client-facing office, so meetings can take place in a comfortable and convenient environment for you.

How long has Keith Roseburgh been providing financial advice?

Keith has 28 years of experience providing financial advice. He has worked as an independent financial adviser for 13 years.

Where are you based, and do you work with clients outside your local area?

Keith is based in Dalkeith and works with clients outside the local area. He supports clients across Edinburgh, Midlothian, West Lothian and East Lothian.

Is Keith Chartered or Certified?

Keith is a Chartered financial planner. This reflects his commitment to high standards of professionalism, and you can read more about what Chartered status means on the Chartered financial planners page.

Does your firm hold Chartered status as awarded by the Chartered Insurance Institute (CII)?

Keith holds Chartered status as an individual, but the firm itself does not hold Chartered status. This means clients work directly with Keith as a Chartered financial planner.

Does your firm hold Accredited status as awarded by the Chartered Institute for Securities & Investment (CISI)?

No. Keith Roseburgh Financial does not hold Accredited status from the Chartered Institute for Securities & Investment. Keith is a Chartered financial planner as an individual.

Do you have client reviews or testimonials, and where can I view them?

Yes. You can read client feedback through Keith's Case studies and on VouchedFor, where clients have shared their experiences of working with him.

What makes Keith Roseburgh Financial different from other financial advisers?

Keith's approach is built around high-quality independent financial advice and planning, delivered in a convenient and comfortable environment. He takes time to explain things clearly, in plain English, so clients feel looked after and confident about their financial decisions.

What is your FCA registration number?

Keith Roseburgh Financial Limited is entered on the Financial Services Register under firm reference number 941299, and Keith is registered individually under KXR00061 on the FCA Register.

What are the key towns, cities and areas you work with clients in?

Keith works with clients in Edinburgh, Midlothian, West Lothian and East Lothian. He can also work with clients outside his immediate local area where appropriate.

Advice areas

Can you advise on mortgages?

Yes. Keith Roseburgh Financial can advise on mortgages.

Can you advise on equity release?

Keith can advise on equity release, but does not usually provide this advice directly as it is a specialist area. Where appropriate, he can refer clients to a specialist.

Can you advise on personal pensions?

Yes. Keith can advise on personal pensions, including how they fit into your wider retirement planning.

Can you advise on occupational pensions?

Keith can advise on occupational pensions, but not on defined benefit transfers. If you need advice on a defined benefit transfer, he has an adviser he can refer you to.

Can you help me consolidate multiple pensions?

Yes. Keith can help you review and consolidate multiple pensions where this is suitable for your circumstances.

Can you help me take my pension tax-efficiently?

Yes. Keith can help you consider how to take your pension tax-efficiently as part of your retirement planning.

Can you help with ethical or sustainable investing?

Yes. Keith can help with ethical or sustainable investing where this is important to you.

Can you help me invest an inheritance I have received?

Yes. Keith can help you invest an inheritance you have received, taking into account your goals, timescales and attitude to risk.

Can you advise on self-invested personal pensions (SIPPs)?

Yes. Keith can advise on self-invested personal pensions, also known as SIPPs.

Can you advise on final salary or defined benefit transfers?

No. Keith does not advise on final salary or defined benefit transfers. If this is something you need, he has an adviser he can refer you to.

Do you offer advice on long-term care or later-life planning?

No. Keith does not currently offer advice on long-term care or later-life planning.

Can you help with Inheritance Tax planning or estate planning?

Yes. Keith can help with Inheritance Tax planning and estate planning. The Financial Conduct Authority does not regulate tax planning and estate planning.

Can you advise on investments such as ISAs?

Yes. Keith can advise on investments such as Individual Savings Accounts, commonly known as ISAs.

Can you advise on protection such as life insurance, critical illness cover and income replacement?

Yes. Keith can advise on protection, including life insurance, critical illness cover and income replacement.

Fees and value

Do you offer a free initial consultation?

Yes. Keith offers an initial consultation at his expense. This gives you the opportunity to discuss your situation before deciding whether to proceed.

How do you charge for financial advice?

Keith charges a financial plan fee of £1,500. There is also a 1% implementation fee.

What is your minimum fee?

Keith's minimum fee is £1,500. If Keith does not feel he can add value based on the fees charged, he will not recommend that you become a client.

What do you typically charge for a financial plan?

A financial plan typically costs £1,500. Any implementation fee would be discussed with you before you decide whether to proceed.

Do you charge fixed fees or a percentage of my investments?

Keith charges a percentage-based fee for implementation. The financial plan fee is £1,500.

Do you get commission?

Keith only receives commission on protection products. He will explain this to you where it applies.

Do you charge VAT?

No. Keith does not charge VAT.

How do I know if your fees are competitive?

Keith's fees are similar to other financial advisers. He will explain the fees before you decide whether to proceed, so you can make an informed decision.

How do your fees compare to other financial advisers?

Keith's fees are similar to other financial advisers. You will receive a fee proposal before committing to any work.

How can I find your fees?

Keith's fees are available on request. You can ask for fee information when you get in touch through the Contact page.

Trust, safety and compliance

Are my investments protected by the Financial Services Compensation Scheme (FSCS)?

Yes. Eligible investments may be protected by the Financial Services Compensation Scheme. Keith can explain what this means for your circumstances.

What happens if something goes wrong or I have a complaint?

If something goes wrong or you have a complaint, you should contact Keith Roseburgh Financial first. If needed, you can then escalate it through the firm's complaints procedure.

How do you keep my personal data secure?

Client information is stored securely, mainly by electronic means. Paper copies are kept to a minimum, held in locked filing cabinets while needed, and shredded when no longer required.

Are you insured to give financial advice?

Yes. Keith Roseburgh Financial is insured to give financial advice.

How can I check your FCA registration and authorisation?

You can check Keith Roseburgh Financial Limited on the Financial Services Register under firm reference number 941299, and Keith is registered individually under KXR00061 on the FCA Register.

Do you have client stories or case studies I can read?

Yes. You can read Case studies here and find client feedback on Keith's VouchedFor profile.

How do you measure client satisfaction?

Keith measures client satisfaction through his VouchedFor score, where you can also view client feedback.

Are you featured on VouchedFor?

Yes. Keith is featured on VouchedFor, where clients can leave reviews of their experience.

Who we work with

Can you help me retire early?

Yes. Keith can help you understand whether retiring early may be possible and how your pensions, investments and wider finances could support that goal.

Can you help me plan my retirement?

Yes. Retirement planning is one of the key areas Keith helps clients with. You can read more about the types of clients he supports on the About you page.

What type of clients do you typically work with?

Keith typically works with clients who are looking towards retirement and want to get their pensions and investments in order. He also helps clients who may be considering retiring early.

Do you work with younger clients who are still building wealth?

Yes. Keith can work with younger clients who are still building wealth, subject to the minimum fees.

Do you work with company directors or self-employed clients?

Yes. Keith works with company directors and self-employed clients.

Do you work with clients approaching retirement or already retired?

Yes. Keith works with clients who are approaching retirement and clients who are already retired.

Can you help clients who have inherited money?

Yes. Keith can help clients who have inherited money and want advice on how to invest or manage it.

Can you help clients who have sold, or are in the process of selling, a business?

Yes. Keith can help clients who have sold, or are in the process of selling, a business.

Can you help clients manage their finances after a bereavement?

Yes. Keith can help clients manage their finances after a bereavement.

Do you specialise in working with business owners, retirees or professionals?

Keith does not specialise in just one area. He works with a range of clients, including business owners, people approaching retirement, and those already retired.

Do you offer financial advice for expats or non-UK residents?

No. Keith does not currently offer financial advice for expats or non-UK residents.

Can you help if I already have existing investments or pensions elsewhere?

Yes. Keith can help if you already have investments or pensions elsewhere. He can review your existing arrangements and consider how they fit with your goals.

Is there a minimum amount of investable assets or income I need to become a client?

There is no minimum amount of investable assets or income, but the minimum fee applies. If Keith does not feel he can add value based on the fees charged, he will not recommend that you become a client.

Working together

How can I book an initial meeting?

You can book an initial meeting by phone or email. The easiest way to get started is to use the details on the Contact page.

Do I have to pay for an initial meeting?

No. The initial meeting is held at Keith's expense, so you can have an initial conversation before deciding whether to move forward.

What do I need to bring to an initial meeting?

It is helpful to have your financial information available, along with an idea of your goals and dreams for the future. This gives Keith a clear starting point for understanding your current position and what you would like to achieve.

What happens in the first meeting?

The first meeting is a fairly informal conversation about what you are looking to achieve. Keith will also take a basic look at your current financial situation, so he can understand where you are now and what support may be useful.

How long should I allow for an initial meeting?

You should allow around 60 to 90 minutes for an initial meeting. This gives enough time for a proper conversation about your circumstances, goals and any questions you may have.

Do I have to sign up to your services at an initial meeting?

No. If you and Keith feel you are a good fit for each other, he will prepare a fee proposal for the work required. You can then take your time to decide whether you would like to proceed.

Do you have a female financial adviser I can work with?

No. Keith is the only financial adviser at Keith Roseburgh Financial, so there is not currently a female adviser available.

What happens if my financial adviser is away on holiday?

You would usually contact Keith first by email or phone. If you need urgent help while Keith is away, a locum would be available.

How often will I hear from my financial adviser?

You will hear from Keith at least once a year as part of your ongoing review. You will also receive a monthly newsletter, and you can get in touch outside this if you need support.

Do you offer cashflow forecasting or planning as part of your service?

Yes. Cashflow forecasting and planning can form part of Keith's service, helping you understand how your finances could support your future plans.

What happens if my circumstances change?

If your circumstances change outside your usual yearly contact, Keith can review your situation. There is no additional cost for this unless new advice is required.

Can you work alongside my accountant or solicitor?

Yes. Keith can work alongside your accountant or solicitor where this is helpful for your wider financial planning.

Can you coordinate with my mortgage adviser if they need information from you?

Yes. Keith can coordinate with your mortgage adviser if they need information from him. Keith Roseburgh Financial also offers mortgage advice.

What happens if my adviser leaves the firm?

Keith is the only financial adviser at Keith Roseburgh Financial, so this situation does not currently apply in the same way it might at a larger firm.

Can I see an example of a financial plan?

Yes. Keith can show you an example of a financial plan, so you can understand what the process and output may look like.

Will I be able to see the value of my investments online?

Yes. You will be able to see the value of your investments online.

Do you provide an online portal for clients to view their investments?

No. Keith does not currently provide an online investment portal because the reliability of third-party systems is not always accurate.

How often will I meet with my financial adviser?

You will usually meet with Keith once a year. Further meetings can be arranged outside the yearly meeting if needed.