Most people I meet hold two, three, sometimes five pensions from former employers — and no real picture of what they add up to. My free Pension Health Check gives you a plain-English answer, with no obligation attached.
By submitting, you agree to be contacted by Joseph Taylor of MAP – Money Advice & Planning Ltd about your enquiry. Details are never sold or shared. Opt out at any time.
I'll text you within a few minutes to confirm. If you'd rather choose your own time, go straight to my diary:
Choose a time →This isn't a sales call. The first conversation is about understanding what you hold and what retirement should look like — then I'll tell you plainly whether I can help.
The check above tells me enough to make our first call genuinely useful, rather than starting from nothing.
Twenty to thirty minutes, by phone or video, at a time that suits you — mapping out what you hold and what your options are.
You'll know where you stand. If it makes sense to work together, costs are set out plainly before you commit to anything.
I've spent my career helping people across Scotland make sense of their pensions: tracing old workplace schemes, weighing up whether to consolidate, and building retirement income that actually holds up.
Independent means I answer to you, not a provider. Local means when we speak, you're speaking to me — not a call centre reading from a script.
"I had four pensions from different jobs and no idea what any of them were doing. Joe laid it all out in one meeting — I finally feel like I've got a plan."— Client, Glasgow
Illustrative for demo purposes — real testimonials must be genuine, documented, and compliance-approved before use.
Yes. The check and first conversation cost nothing and carry no obligation. Any fees are agreed with you in writing before work begins — you'll never be surprised by a charge.
No — and sometimes you shouldn't. Some older schemes carry guarantees that would be lost on transfer. Part of my job is telling you when leaving things be is the right answer.
Very common. Tracing pensions from previous employers is part of the process — people are often pleasantly surprised by what turns up.
Not at all. I work with clients across Scotland, mostly by phone or video, at whatever time suits — including evenings.
Four questions, one honest answer about where you stand. No jargon, no pressure, no obligation.
Start your free Pension Health Check