Pension & Retirement Income Advice For Over-50s

At DM Pension & Investment Solutions Ltd, we help people across Glasgow, Lanarkshire and Central Scotland make confident decisions about pension drawdown, annuities and pension consolidation.

We are a family-run business led by father-and-son Chartered and Fellow Financial Planners, David and Matthew Mulholland, specialising in retirement income planning for people approaching or in retirement.

Supported by our wives within the business, we provide a personal and approachable service built around long-term relationships and clear financial guidance.

David and Matthew offer home visits across Central Scotland alongside telephone and online appointments for clients across the UK.

If you are considering pension drawdown, annuities or consolidating older pensions, complete our enquiry form and a member of our team will be in touch.

You have worked hard to save money for your retirement.

David & Matthew are FCA registered and have been awarded the prestigious Chartered Financial Planner designation by the Chartered Insurance Institute (CII). This is the industry's gold standard for individuals and firms of financial planners. It confirms that we have satisfied rigorous qualification criteria and membership conditions of the CII. It also involves a commitment to continuing professional development and adherence to an industry standard Code of Ethics and Conduct. David and Matthew have also passed the Advanced Diploma in Financial Planning and the Fellowship programme with the PFS which is the highest qualification awarded by the CII.

Testimonials

"Excellent independent pension advice David is very personable and took time to understand our concerns. He is extremely professional and helpful. He kept us informed of what to expect throughout the process and was available to explain things and answer any queries quickly. It felt very much like he took care of us the way he would have looked after his own family. The results were better than we thought possible – a very successful pension transfer. All his hard work and expertise are much appreciated. "

K Burke, East Kilbride

Google Review - 5 Stars
"David provided a fantastic service, provided excellent advice and managed the process of consolidating pensions seamlessly. His advice and knowledge was invaluable I felt totally confident working with DM Pensions. David took care of every detail and made the process very easy and simple, would highly recommended. "

Andy H

Google Review - 5 Stars
"We approached David for advice on the suitability of a pension transfer. We found David's professional knowledge, skills and experience to be invaluable. We also found David to be completely trustworthy and dependable. This was a first class experience from start to finish - we are completely satisfied with the outcome. We would have absolutely no hesitation in recommending David to family and friends for any future financial/pensions work. "

M Burke

Google Review - 5 Stars
"My husband and I met with David to discuss pension consolidation and advice regarding pension access and options. David was extremely thorough and able to gather all information required on which to base his personal advice / recommendations. He provided us with a very comprehensive Suitability Report and talked us through each section answering our questions and confirming next steps at all points along the way. We particularly liked David’s clarity and his desire to ensure we understood all implications. Regular weekly updates were very much appreciated and we would have no hesitation in recommending David for any Pensions and Investment solutions. "

M Hutton

Google Review - 5 Stars
"Excellent financial advice over several years. I am now in a position to have a comfortable retirement. "

M Lightbody, Carluke

Google Review - 5 Stars
"First appointed DM Pensions approx. 5 years ago, sound advice, then appointed DM Pensions to assist and advise March 2017, on my retirement. David was extremely helpful. Would like to say thanks again for your advice and to congratulate David of the way he worked on my retirement. Everything went through 100%."

W McParland, Uddingston

Google Review - 5 Stars
"Absolutely delighted with the service and the independent advice."

B Furman, Newton Mearns

Google Review - 5 Stars
"Always available when needed. Communication excellent and only wish I had sought advice ten years ago."

C Herbertson, Overton

Google Review - 5 Stars
"David was very reliable and filled me with confidence that would do the best for me."

J Hutchison, Uddingston

Google Review - 5 Stars
"The work David did for me was extremely helpful and very much appreciated. Excellent work would use the company again. Thank you."

K Gooding, Glasgow

Google Review - 5 Stars
"David was very prompt and helpful."

A Cutler, Rutherglen

Google Review - 5 Stars
"Very personal and first class service."

M Rennie, East Kilbride

Google Review - 5 Stars
"Really pleased I chose DM Pension & Investment Solutions Ltd. David provided first class service and helped me all the way through the process."

W Closs, Bellshill

Google Review - 5 Stars
"We are very happy with DM Pension & Investment Solutions Ltd. David is a very easy adviser to deal with. Everything is clearly explained and he always goes that extra mile to be helpful."

J Taylor, Carluke

Google Review - 5 Stars
"We found David to be friendly, punctual and supplied a genuine and professional service. I would certainly recommend to anyone."

J MacDermaid, Airdrie

Google Review - 5 Stars

Why Clients Choose Us

Chartered & Fellow Financial Planners

Both David and Matthew hold Chartered Financial Planner status and Fellowship qualifications, reflecting advanced professional knowledge and a commitment to maintaining high standards in financial planning.

Retirement Income Specialists

We specialise in helping people over 50 with pension drawdown, annuity advice and pension consolidation. We are also Defined Benefit pension transfer specialists.

FCA Regulated Advice

We are authorised and regulated by the Financial Conduct Authority, providing reassurance when making important retirement decisions.

A Genuine Family Business

As a father-and-son business supported by our wives, we pride ourselves on building long-term client relationships based on trust, personal service and straightforward advice.

Home Visits Across Central Scotland

We offer face-to-face home visits across Glasgow, Lanarkshire and Central Scotland for clients who value personal meetings in the comfort of their own home.

Flexible UK-Wide Appointments

For clients further afield, we also provide secure telephone and online meetings across the UK.

Get In Touch About Your Retirement Plans

Retirement Planning Services

Pension Drawdown Advice

Pension drawdown allows you to take income from your pension while keeping the remaining funds invested.

We help clients understand:

sustainable withdrawal strategies
investment risk
tax-efficient income planning
long-term retirement income management

Learn More About Pension Drawdown

Annuity Advice

Annuities can provide a guaranteed income for life and may suit clients looking for greater certainty in retirement.

We help clients compare:

lifetime annuities
fixed-term annuities
enhanced annuities
inflation-linked income options

Explore Annuity Options

Pension Consolidation

Many people accumulate several pension plans during their working life.

We help clients review and consolidate older pensions to simplify retirement planning and improve visibility over their retirement savings.

Find Out About Pension Consolidation

Helping People Over 50 Navigate Retirement Decisions

Retirement planning can feel complex, particularly when deciding how to turn pension savings into reliable retirement income.

Many people approaching retirement ask us:

Should I choose pension drawdown or an annuity?
Can I combine old pension plans?
How much tax will I pay on pension withdrawals?
How much income can I safely take?
How can I make my pension last throughout retirement?
Can I access my pension and continue working?
What happens to my pension when I die?

Our role is to help you understand your options clearly so you can make informed retirement decisions with confidence.

Get In Touch About Your Retirement Plans

OUR APPROACH

Clear Retirement Advice Without Pressure

We believe retirement planning should feel personal, understandable and tailored to your individual goals. Our approach focuses on:

listening carefully
understanding your retirement plans
explaining pension options clearly
avoiding unnecessary jargon
building long-term client relationships
helping clients feel comfortable and informed

Whether meeting in person, online or by telephone, our goal is to make retirement planning straightforward and approachable.

Speak To A Retirement Income Specialist

Whether you are approaching retirement, reviewing your pensions or exploring retirement income options, we are here to help.

Available For:

Home visits across Glasgow, Lanarkshire & Central Scotland
Telephone appointments
Online meetings across the UK

Frequently Asked Questions

What is pension drawdown?

Pension drawdown allows you to take money from your pension while the remaining funds stay invested.

Is an annuity better than drawdown?

It depends on your personal goals and attitude to risk. Annuities provide guaranteed income, while drawdown offers greater flexibility and investment potential.

Can I combine old pensions?

Yes. Pension consolidation allows many people to combine older pension plans into one arrangement, although it is important to review any guarantees or benefits before transferring.

When can I access my pension?

Most pensions can normally be accessed from age 55, rising to age 57 from 2028.

Can I take tax-free cash from my pension?

Many pensions allow you to take up to 25% of your pension tax free, depending on your circumstances and pension arrangements.

Is pension advice worth it?

Retirement decisions can have long-term tax and income implications. Professional advice can help you understand your options and avoid costly mistakes.

Retirement Advice Across Glasgow, Lanarkshire & Central Scotland

We provide home visits and retirement advice across: Glasgow, Lanarkshire including the following towns and villages: Airdrie , Baillieston, Bathgate, Bearsden, Bellshill, Blackwood, Blantyre, Bothwell, Busby, Cambuslang, Carluke, Clydebank, Coatbridge, Cumbernauld, East Kilbride, Falkirk, Hamilton, Lanark, Larkhall, Lesmahagow, Livingston, Motherwell, Newton Mearns, Paisley, Renfrew, Rutherglen, Shotts, Stirling, Stonehouse, Strathaven, Tannochside, Uddingston, Viewpark and Wishaw

We also work with clients throughout the UK through telephone and online appointments.

Get In Touch About Your Retirement Plans

DM Pension & Investment Solutions Ltd. Registered in Scotland No SC542084. Registered address - 6 Leesland, Uddingston, Glasgow, G71 6TW

The advice and / or guidance contained within this site is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.

Directors: David Mulholland FPFS and Matthew Mulholland FPFS

We are proud of the comprehensive and professional service we provide to our clients. However if you wish to make a complaint, please contact us. A summary of our internal complaints handling procedures for the reasonable and prompt handling of complaints is available on request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at www.financial-ombudsman.org.uk or by contacting them on 0800 023 4567

Independent financial adviser Glasgow ~ IFA Lanarkshire Scotland ~ Scottish financial advisor ~ Pensions Glasgow