Business Details
Your Trusted Partner for Financial Planning Solutions
At Moran Wealth Management, we specialise in crafting tailored financial strategies that prioritise our clients' long-term goals. With decades of combined experience in wealth management, our team focuses on understanding individual circumstances to deliver bespoke solutions. Our expertise spans investment planning, retirement strategies, and protection services, ensuring comprehensive support for entrepreneurs, investors, and families. We uphold a reputation for transparency, ethical practices, and a commitment to client education, fostering trust through consistent communication.As an appointed representative of St. James's Place Wealth Management, we adhere to rigorous regulatory standards while maintaining a personal, relationship-driven approach. Our dedication to continuous review and adaptation ensures clients remain aligned with their financial objectives, even amid changing circumstances. This client-first philosophy has earned us enduring partnerships and numerous referrals, reflecting our core belief that success is measured by our clients' confidence in their financial future.
Services
Investment Planning
Retirement Strategies
Protection Planning
Mortgage Advice
Wealth Management
Business Owner Services
Intergenerational Planning
Long Term Care
Education Planning
Highlights and features
- We offer bespoke financial strategies tailored to individual client needs
- Our team holds over 15 years of combined experience in wealth management
- We maintain face-to-face relationships for deeper client understanding
- Our solutions combine St. James's Place Group's resources with local expertise
- We operate as a family company with genuine client-focused values
Associations and certifications
- Financial Conduct Authority
What people say
Exceptional service
Trustworthy advice
Personal touch
Professional support
Long-term partnership
Services
Investment Planning
Our investment planning service creates tailored portfolios aligned with your risk profile and financial goals. We utilise St. James's Place's comprehensive fund range while maintaining regular reviews to adapt to market changes. Clients benefit from strategic asset allocation and transparent performance reporting, ensuring their investments remain on track for long-term growth.
Retirement Strategies
We develop comprehensive retirement plans considering current assets, desired lifestyle, and tax efficiency. Our approach includes pension consolidation, income projections, and phased retirement strategies. Regular reviews ensure clients maintain financial security throughout their retirement years, with adjustments made for changing circumstances or regulations.
Mortgage Advice
Our mortgage advisory service covers first-time purchases, remortgaging, and buy-to-let investments. We assess clients' financial situations to recommend suitable products, considering interest rates, repayment terms, and future plans. The service includes ongoing support through the mortgage process and regular reviews of changing needs.
Protection Planning
We design protection strategies to safeguard clients' financial security against unforeseen events. This includes life insurance, critical illness cover, and income protection policies tailored to individual circumstances. Our approach ensures adequate coverage while balancing affordability and long-term financial objectives.
Wealth Management
Our holistic wealth management service integrates investment, retirement, and protection planning with tax-efficient strategies. We address intergenerational wealth transfer, estate planning, and business succession to preserve family legacies. Regular reviews ensure comprehensive strategies evolve with clients' changing needs and market conditions.
People
Nicola Crosbie
Financial Adviser
With over 15 years' experience, Nicola specialises in creating tailored financial solutions for individuals and families. Her expertise in retirement planning and investment strategies has earned numerous client referrals. She maintains a personal approach, regularly visiting clients at home when needed.
Mike Moran
Partner
As co-founder, Mike brings extensive wealth management experience, focusing on business owner solutions and intergenerational planning. He works closely with Nicola to ensure consistent service quality across all client relationships, maintaining the firm's family-oriented values.
Questions
What financial services do you specialise in?
We specialise in investment planning, retirement strategies, mortgage advice, protection planning, and comprehensive wealth management tailored to individual needs.
How do you personalise financial plans?
We conduct detailed consultations to understand your unique circumstances, goals, and risk tolerance before creating and regularly reviewing customised financial strategies.
Are you regulated by financial authorities?
Yes, we operate as an Appointed Representative of St. James's Place Wealth Management, which is authorised and regulated by the Financial Conduct Authority.
Do you work with clients outside Scotland?
While based in Lochwinnoch, we maintain long-term relationships with clients across the UK, including those who have relocated to different regions.
How often are financial plans reviewed?
We recommend annual reviews but provide ongoing support for any changes in your circumstances or financial regulations that might affect your plan.
