Personal Money Management

Independent Financial Adviser  188 Lanark Road West, Edinburgh, EH14 5NX
First meeting at adviser's own cost
PMM are specialists in Retirement Planning, Pension Strategy, Estate Planning and Investment Management. We have been operating for 40 years and are signed up to The Pension Transfer Gold Standard code of ethics.
We can advise you on
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Annuity purchase
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Auto enrolment
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Defined benefit
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Pension consolidation
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Pension drawdown
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Pensions & divorce
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Pensions & retirement planning
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Pensions review
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Pensions transfer
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SIPPs
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Wealth management
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Ethical investments
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ISA / Unit Trusts / OEICs
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Investing for income
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Investment trusts
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OEICs
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Offshore investments
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Socially responsible investments
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Unit trusts
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Lump sum
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School fees planning
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Accident & sickness
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Critical illness
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Healthcare
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Income protection insurance
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Life insurance
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Payment protection insurance
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Capital gains tax
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Estate planning
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Income tax
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Taxation planning
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Corporate pension
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Employee benefits
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Group Pension/Stakeholder
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Group Protection/Life Insurance
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Group critical illness
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Group income protection
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Group life insurance
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Group private medical insurance
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Group risk
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Long term care
Response rating
9.0/10
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FCA authorised
Last authorised 18th October 2021
Meet our advisers
MR David Henderson BA DipFA
Adviser

This qualification assesses a knowledge and understanding of an ability to analyse pension and retirement planning issues.

The Diploma enhances knowledge in core areas such as regulation, investment principles, risk, taxation and personal financial planning using real-life scenarios to develop the essential skills to apply this technical knowledge in practice

DR Peter M Marshall MLIA (Dip)
Principal

This qualification assessed the knowledge and understanding of the UK regulation environment in the financial services industry together with types of mortgage products and repayment options and the giving of mortgage advice.

In order to have completed this qualification, individuals were required to obtain three units. These could have been selected from any combination of the available units at that time but must have included the compulsory G10 unit - Taxation and Trusts.

This examination assessed a knowledge and understanding of the UK tax system, the law and practice of trusts, but also an ability to advise individual clients on the tax treatment of their investments and the use of trusts to meet their current and foreseeable future needs.

This examination enhanced general pension knowledge, particularly in pension transfers and opt-out business.

To achieve DipPFS individuals must achieve 140 credits. At least 80 credits must be at Diploma or AFPC level.

This examination assessed a knowledge and understanding of investments and an ability to advise individual clients on the construction of investment portfolios to meet both their current and foreseeable future needs.

This examination assessed knowledge and understanding of income generating options and applying the knowledge to retirement planning situations.

What our clients say
My initial reason for approaching Personal Money Management was to obtain pension advice. The response I got opened my eyes to an entirely different way of managing my financial affairs which significantly improves my outlook as forced leisure time approaches. Both Peter and David have been fully supportive, patient and immensely helpful in shaping my complicated investment portfolio into something even I can understand. David has shown unending charm and politeness to my many and frequent "barmy questions" which confirms his ability to continue to always see the bigger picture and offer sound and practical financial advice at all times.I tend to think of PMM as an anchor in turbulent times and am happy to endorse their sterling efforts on my behalf.
Mr Robert McDougall, Chief Executive, Edinburgh
Throughout my industrial career and later my university career, my finances changed considerably. Fortunately, through Personal Money Management, they have been expertly managed, reducing significantly my Income Tax bill and dramatically eliminating my potential Inheritance Tax bill. For both these miracles I am forever grateful.
Dr R F Neale, Edinburgh
What has impressed me about Personal Money Management is their thoroughness and great communication skills. I have always felt that I got the best advice that matched my needs, whilst at the same time feeling in control.
Mr Roy Bates, Group FD Corgi Toys (Retired), Isle of Wight
After a career in academia I established a technology management business. I approached PMM to assist with my complex changing pension and investment requirements. Over nearly twenty years I have found them to effectively analyse situations, provide excellent clear advice and implement the agreed course of action efficiently. They provide excellent reports on discussions which are of great assistance. It is a pleasure to do business with a team that puts your needs first and are there to support their clients.
Professor Emeritus James L Murray, Edinburgh
Throughout my career I have always admired professionalism. When it came to organising my complicated and diverse pension and investment arrangements, PMM displayed superb technical knowledge and real professionalism in their handling of my affairs. I wouldn’t hesitate to recommend their services.
Mr G W Bennett, CEO AR Global (Retired), ex MD Loctite, Kent
Personal Money Management was recommended to me by a colleague who had successfully used their services. My challenge was around pensions, in particular a company scheme moving from defined benefits to defined contributions, as well as the scheme’s future being in some doubt. David at PMM guided this novice through various options, dealing with the “daft laddie” questions in a friendly, non-technical way, leading to an agreed plan of action for the future. We are at a relatively early stage in our business relationship, but I have sufficient confidence in the company to recommend them to anyone who is looking for impartial advice delivered in a user friendly way.
Mr George Veryan, Operations Director, Trust Housing Association (Retired), Glasgow
For some time my savings and investments have been scattered in too many places and products. Personal Money Management helped me take charge of my money and gave me a clear report which showed me exactly where I was. They then explained clearly, with no jargon, where I should be. They organised everything and I am now happier and clearer about where my investments are. I would not hesitate to recommend Personal Money Management.
Mrs Elizabeth Erasmuson, Edinburgh
Over the last twenty years my pension and tax situation has been exceptionally complicated, fortunately Personal Money Management has guided me through the bewildering tax and pension world and allowed me to minimise my tax while maximising my pension funds. Now in retirement they continue to advise me on the complicated world of annuities, income withdrawal and phased techniques regarding the accumulated pension pot.
Mr Andy McGowan, Kirkcaldy
As a Human Resources professional I am well aware of the complexity of pensions and the ramifications of getting it wrong. When I had to make a complicated change to my own pension plans I sought advice from PMM. They gave me clear guidance, explained the choices that were right for my individual circumstances and facilitated the transfers smoothly. Their fee structure was straightforward and clear. I now have pension arrangements that I know are right for me. I am very happy to endorse Personal Money Management and would have no hesitation in recommending their services to both personal contacts and business clients.
Kenny Nicholson, Chartered FCIPD, Director, Guardian People Solutions, Glasgow
As an academic and business man I always appreciate it when people I interact with on a professional level are true experts in their chosen field. I can safely say that is absolutely true of Personal Money Management. I have used their services for many years and would not hesitate to recommend them.
Professor Emeritus Carl Pidgeon, Edinburgh
I engaged Personal Money Management to advise me on retirement strategy and my 5 deferred pensions. With one particular pension we encountered considerable technical difficulties that seemed impossible to overcome. Thanks to the professionalism and perseverance of Personal Money Management the transfer was completed and I now have a structured plan that I understand and can control.
Mr Ken Wallace, Balerno, Edinburgh
About us

Personal Money Management is a firm of Independent Advisers formed by Dr Peter M Marshall providing a personal and professional service to individuals and small businesses.

We provide financial planning advice on pensions, retirement, investments, tax, protection and estate planning. We are able to offer this advice at our suite of offices in Currie, at your home, or at your place of business.

Our services

We excel at Pensions, Retirement Planning, Investment and Estate Planning. They all require a deep understanding of the client, their life, their views their aspirations. We take huge pride in the fact that 98% of our clients stay with us for life. You have to deliver exceptional service levels to gain that degree of loyalty. We are much more than a service provider to them, they are much more than a number to us.

Where to find us
Head office address: 188 Lanark Road West, Currie, Edinburgh, EH14 5NX
Preferred clients
Minimum wealth (income/assets)
£51,000
Minimum pension value
£251,000
Minimum mortgage value
£0
Advice methods
  • phoneButton
    Telephone
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    Face to face
Response rating
9.0/10
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FCA authorised
Last authorised 18th October 2021

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