Amber River C&M

12/06/2026

⚽ It’s been a long road. But Scotland are in the World Cup!

Good things rarely happen overnight — whether it’s reaching a major tournament, building a future, or working towards your goals.

💙 It takes patience, preparation and a little bit of belief.

We’ll be cheering every step of the way.

⚽ 'Mon Scotland!

11/06/2026

🏡 Whatever your situation, call us for a no-obligation appointment, and take the first step on the path to home ownership.

Our mortgage advisers work with clients all over the north of Scotland and beyond to help them secure the right mortgage at the right price.

📞 We offer face-to-face meetings, telephone and video appointments at times to suit you.

Our friendly advisers have access to hundreds of mortgage products not available online or through your High Street banks.

🏡 Whatever your situation, call us for a no-obligation appointment, and take the fist step on the path to home ownership.

Email [email protected] or call 01343 814000, 01340 821192
or 01738 440690

10/06/2026

🍂 When you retire, you’ll have a few decisions to make over how to take your income.

Making the right one is important, because how you use your pension benefits can make a real difference over time.

🕰️ Pension drawdown lets you keep your pension invested while taking an income from it over time, so you can cover your income needs while allowing your pension to continue growing.

This flexibility can be useful, but it also requires careful planning.

There's an article on our website which may help - https://amberriver.com/pension-drawdown/what-is-pension-drawdown-and-how-does-it-work/

🍂 But your situation is unique, so come in and talk to one of our independent financial planners and discuss what's right for you.

Call
📞 Lossiemouth 01343 814000
📞 Dufftown 01340 821192
📞 Perth 01738 440690
Or email [email protected] and we'll get back to you.

05/06/2026

👇 Five simple reasons that it's never too soon to think about a pension...

📈 Putting even a little extra aside now will make a big difference
Start early and let compound interest do the heavy lifting.
Longer-term investments lead to larger pension pots.

💷 Free Money from the Government
Get tax relief on every contribution.
Typically, £100 becomes £125 if you're a basic rate taxpayer.

🕰️ Don't rely on the State Pension
The state pension age has been rising.
Even now, the full state pension is less than £250 per week.

🧳More Freedom Later
Extra pension savings give you options.
You could retire earlier or work less when you're older.

👩‍👦Leave a Legacy
Unused pension funds can pass to loved ones tax-efficiently.
Just name your beneficiary.

⌚ And the sooner you start, the more you’ll have!

Thinking about it?
Message us or call 01343 814000 / 01340 821192 / 01738 440690 to book a no-obligation appointment.

02/06/2026

⭐ With over 100 five-star reviews on independent review site, Vouchedfor, Emma Baird is consistently one of the highest-rated mortgage advisers in the area.

🏡Over the years, Emma has received dozens of glowing reviews, including this latest one from a client in Moray -

✔️ I was looking for advice in gaining a mortgage and life and house insurance and also getting a buy to let mortgage for a rental property.
✔️Emma did everything for me - she makes buying a house stress-free!
✔️I am now living in my new home.
✔️Emma is amazing!

Don't just take our word for it, check out the reviews online at VouchedFor.*

If this sounds like the kind of commitment and care that you want when buying your home, call us for an appointment with any one of our friendly advisers.

📞 Lossiemouth 01343 814000
📞 Dufftown 01340 821192
📞 Perth 01738 440690
Or email [email protected] and we'll get back to you.

*Vouchedfor is the UK's leading review site for Financial Advisers, Mortgage Advisers, Solicitors and Accountants.

29/05/2026

😃 Teamwork makes the dream work!
Fun and games in the sunshine as the whole team headed to Aviemore last week for some team-building activities.

🎯 Colleagues from Lossiemouth, Dufftown and Perth joined together to undertake a series of challenges from axe-throwing to dart football to code cracking.

🧡 A brilliant day out and a great way to get to know each other better. Special thanks to Gemma from the Lossiemouth office for organising!

28/05/2026

🛟 Personal protection products can offer financial security and peace of mind for you and your loved ones.

💔 The financial impact of a serious accident, illness or unexpected death can be emotionally and economically devastating.

🦺 If you have others relying on you for their standard of living, it's important to have the discussion about life insurance or income protection.

🍂 That's why, as part of our financial planning service, our advisers will want to understand your current circumstances and how they might be impacted should the worst happen. We can then suggest the right financial protection for you.

For more information, call
📞 Lossiemouth 01343 814000
📞 Dufftown 01340 821192
📞 Perth 01738 440690
Or email [email protected] and we'll get back to you.

Amber River

28/05/2026

🛟Personal insurance products can offer financial security and peace of mind for you and your loved ones.

💔 If you have loved ones relying on you for their standard of living, it's important to think about life insurance or income protection because the financial impact of a serious accident, illness or unexpected death can be emotionally and financially devastating.

🍂That’s why, as part of their financial planning service, our advisers will want to understand your current circumstances, how they might be impacted in the event of incapacity, illness or premature death and how we can counteract the negative impact by putting the right financial protection in place.

🧡 Think of it as an investment in your family's happiness and stability.

☎️ To make an appointment to speak to an adviser, call 01343 814000 or 01340 821192 or message the page.

26/05/2026

⚽️ Congratulations to everyone at Dufftown FC for another successful season.

🏆 Julia Williams presented the Player of the Year award at the recent 2025/26 Player Awards.

🏃‍♂️ Amber River C&M is proud to support sport in our communities.

Scott Bowie receiving his Player of the year award from Julia Williams.

20/05/2026

When it comes to managing money as a couple, it's common to have different attitudes to risk.

One of you may prefer greater stability and certainty, while the other is more comfortable with greater risk, for potentially higher returns.

When we work with couples, we take time to get to know you, both as a partnership and as individuals.

We'll help you find a balance, supporting you in building a shared plan that reflects and respects both perspectives, so you can move forward with confidence.

You can read more on our website - https://amberriver.com/investment-planning/how-couples-can-manage-money-with-different-risk-appetites

Or, to talk to an adviser about reaching your financial goals, call us on one of the following numbers or email [email protected]

📞 Lossiemouth 01343 814000
📞 Dufftown 01340 821192
📞 Perth 01738 440690