We realised that we needed the help of a financial adviser when my husband was due to retire. The pension he had paid into was money purchase as opposed to a final salary scheme. We felt the options we had to choose from were so complex, so we contacted Andy Holland from Strathayr Financial Services.

The pension Andy advised us to take was one that if anything happened to my husband – Ian – I would still get the full amount. Sadly, my husband died quite soon afterwards and if it hadn’t been for Andy’s advice, I am quite sure we might have taken a pension that ‘died’ with my husband. I am eternally grateful for the advice I received from Andy and firmly believe that if I hadn’t contacted him when I did, I might not be in the financial position that I am today.