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Bay Tree Financial Planning

Case Studies

The value of pensions and investments and the income they produce can fall as well as rise. You may get back less than you invested. 

Your advice is completely confidential. The following clients were so pleased with their financial advice experience with me; they agreed to share their experience.


Steph had been paying into an existing Stocks & Shares ISA for a number of years and wondered if she was doing the right thing...

ISA case study [PDF]

Pension Transfer

David had paid into a number of pensions over the last 15 years and had taken advice each time he took a new one, but hadn’t had them reviewed for a number of years...

Pension Transfer case study [PDF]

Mortgage Protection

Vicki had not taken any protection out for her mortgage loan and had forgotten all about it until we reviewed her finances...

Mortgage protection case study [PDF]

Business Key Person Cover

Beth’s business had started to really grow and she wanted to make sure her clients would not be let down and that her husband would be secure should she die prematurely...

Business Key Person cover case study [PDF]

Pension on Divorce

Ms X was being awarded a share of a pension fund as part of a divorce settlement and she wanted guidance with how to best manage it...

Pension on divorce case study [PDF]

Family Protection

Karen and her husband already had life cover in place, as well as comprehensive employer benefits, but wanted to check it was enough cover...

Family Income Benefit Case study [PDF]

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By clicking on these links you are departing from the regulatory site of Jennifer Usher, trading as Bay Tree Financial Planning. Neither Bay Tree Financial Planning nor Quilter are responsible for the accuracy of the information contained within the linked sites.

Bay Tree Financial Planning is a trading style of Jennifer Usher who is an appointed representative of Quilter Mortgage Services Limited and of Quilter Financial Services Limited which are authorised and regulated by the Financial Conduct Authority. Quilter Financial Services Limited and Quilter Mortgage Services Limited are entered on the FCA Register ( under reference 440703 and 440718. The Financial Conduct Authority do not regulate the following services: Will writing, auto enrolment advice, trust advice, tax & inheritance tax planning, estate planning and accountancy advice.

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

Bay Tree Financial Planning

The Old Barn, Cornbury Park, Charlbury, Oxfordshire, OX7 3EW
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