I'm not sure where I stand.
Get a clearer picture of your money and where it goes.
Financial coaching & education with a personal approach
Make sense of your money.
Make decisions with confidence.
Money can be hard to talk about. Whether you're unsure where you stand, thinking about the future or simply have questions, I'll listen, explain things clearly and help you understand your choices.
Former financial adviser with almost two decades of experience in finance.
One-to-one coaching and education. No judgement, no sales pitch and no obligation to book.
What's on your mind?
Sometimes the hardest part isn't the numbers.
You don't need to have all the answers. Whatever is on your mind, we can talk it through without judgement.
I'm looking after everyone's finances.
Have someone to talk things through with, rather than carrying it all alone.
I'm thinking about retirement.
Understand your pensions and the different choices you may face.
I want my money to go further.
Make sense of your spending and find ways to save towards what matters to you.
Simple, upfront pricing
How I can help
Whether you want to talk something through or understand your finances in more detail, there's an option to suit you. No ongoing commitment.
Coaching Session
£50
A 45-minute conversation about whatever's on your mind, with space to ask questions and get clear, straightforward explanations.
What's includedMoney MOT
£150
Get a clearer picture of your finances, understand what's happening with your money and take away a written summary of your priorities.
What's includedDeep Dive Package
£200
Understand your pensions or another financial topic in depth, with two one-hour sessions and a personalised report to refer back to.
What's includedStart with a free 20-minute introductory chat to find out how I can help, what it costs, and whether it's right for you. Explore services & pricing
The person behind Thistle & Oak
Hello, I'm Michael.
I'm a former financial adviser with almost two decades of experience working in finance, based in Callander and serving clients across Stirlingshire and the UK.
I started Thistle & Oak because everyone deserves the chance to ask money questions, understand their options and feel listened to, whatever their financial situation.
A little more about meNo need to have it all figured out
Let's talk about what's on your mind.
Send me a little about what you'd like help with. We can arrange a free 20-minute introductory chat, with no sales pitch or obligation.