Pension advice, Dunfermline, Fife IFA


As IFA's we will help you make the right choices when it comes to retirement saving. When you want to take your pension we will help with income drawdown, annuities and tax free cash.

Investment advice Fife


Investing in the financial markets, when done correctly, is a great way to save for the future. We have a long background in investment management, and will design a portfolio to suit you.

Mortgage advice from an experienced IFA


As your IFA we can arrange the most competitive mortgage deals available, and will take the stress and hassle out of the process. Even better, we often don't need to charge you a penny. 

Life insurance advice

Life insurance

Most people have either too much insurance or too little, or have policies that will never pay out. At no charge, we will design the right mix of cover for you, at the lowest possible cost. 

Final salary pension transfers, Fife

Final salary pension transfers

Final salary pensions are great in most cases, but transferring out to a personal pension can make sense for some people, and transfer values have never been higher.

Guardianship advice Fife


Working with the best local solicitors we offer expert, IFA-led advice for guardians, including appropriate investments for guardianships, and completing official management reports.

Buy to let mortgage advice - Dunfermline, Fife

Buy to let

We have long experience of both property investing and arranging buy to let mortgages. As IFAs we can arrange simple, quick fee-free mortgages for landlords at market-beating rates.

Trusts and care advice

Trusts and care

We work closely with specialist local solicitors to provide the best advice possible to trustees, guardians and people with a power of attorney over a loved one. 

Welcome to Wendy Cochran Independent Financial Advice

Wendy Cochran IFA is a fully qualified and registered independent financial adviser and mortgage adviser based near Dunfermline, Fife, with clients across the UK. Wendy can help individuals, companies and charities. An initial assesment of your situation is always free.

Wendy spent many years working in investment management for Edinburgh Fund Managers and Aegon Asset Management, directing client investments worth hundreds of millions of pounds, before leaving to qualify as an independent financial adviser and mortgage consultant. She is experienced in mortgage, life insurance, investment and pension work as well as specialising in providing advice relating to trusts, guardianships and powers of attorney.

Wendy works closely with fellow director Matthew Harris, who also has extensive investment and property market experience.

Latest News

Chart showing how long a DB transfer value might last in a SIPP, at different levels of investment growth

Final salary pension transfer client example

What did the client ask us to do? The client, a consultant from the south east of England who has just retired, asked us to provide advice on the transfer of his £1.5m final salary pension to a SIPP ...

Read more

Assets under management reach £30m

We are delighted to say that the amount of pension and investment money we manage for our clients has reached £30,000,000, up from £20,000,000 this time last year. Welcome to all our new clients, an ...

Read more

Final salary pension advice across the UK

Client story - When not to transfer a defined benefit pension

What did the client want? He asked us to transfer his two defined benefit pensions into a SIPP. He had been to other IFAs but found their fees too high. His reasons to transfer were as follows: The ...

Read more

Regulated by the Financial Conduct Authority (FCA no. 603653). Free initial review.