Call: 01608 813070

Bay Tree Financial Planning

Personal Advice

Personal Advice

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

 

Personal Financial Advice

Dot

Taking advice can be a daunting process, whether you are looking to take financial advice for the first time or whether you’ve taken financial advice in the past. Our finances often take a low priority because they are complex and the advice process can be boring and ridged. My clients appreciate my ability to make the financial advice process both simple and enjoyable.

I provide financial advice in Oxfordshire to individuals at all stages of their financial planning cycle. Whether you are assessing your finances for the first time and setting up your first policy, or want to know more about your retirement options – I’m able to help.

I advise on the following key areas of personal financial planning:

  • Protection – insurance policies to give you and your family financial security.
  • Pensions – all features of personal and employer schemes.
  • Savings & Investments – ISA’s, bonds, unit trusts and more.
  • Other Financial Services – see details below.

Protection and Insurance

Protection

There are many ways to protect what’s important to you. We all insure our cars and homes, but often forget the most valuable asset – ourselves. I can advise you on the suitability of the following protection policies, and arrange the set-up of whichever schemes you choose:

  • Mortgage Protection – provides a lump sum on death to repay the mortgage.
  • Family Protection – provides a lump sum to your family in the event of your death.
  • Family Income Benefit – provides a regular income for your family in the event of your death.
  • Critical Illness Cover – pays you a lump sum or regular income on diagnosis of a critical illness.
  • Income Replacement Plan – similar to buying your own sickness benefits for long term.
  • Whole of Life – for a definite payment, used for funeral expenses and Inheritance Tax Planning.

Unlike comparison websites I can help you assess the level of financial protection you require, and will advise you on all the options available (including whether to place policies in trust).

If you would like a free, no obligation initial conversation about your protection needs, then please use the button to contact me.

Contact Me

Pensions

Pentions

You work hard, so you should be free to spend your retirement doing the things you’ve always wanted to do. However, pensions are the most complex area of financial planning and many people leave it too late to tackle the pension paperwork! As an experienced pensions advisor, I can give you straightforward pensions advice, answering your questions and giving simple choices on what to do next in your retirement planning. I advise on the tax advantages and suitability of the following pension services:

  • First time pension contributions – regular payments and lump sums.
  • Assessment of existing personal pensions – whether contributing into them now or not.
  • Assessment of existing employer pensions – whether contributing into them now or not.
  • Advice regarding whether to join your employer’s pension scheme.
  • Pension credits and sharing orders from divorce proceedings.
  • Advice on employers wishing to make a contribution into your personal pension.
  • Income at retirement – Annuities and Drawdown Facilities.

I can also request a state pension forecast for you, so we can have a full picture of your expected retirement income.

If you would like a free, no obligation initial conversation about your retirement planning and pensions, then please use the button to contact me.

Contact Me

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

Savings & Investments

Dot

Whether you are saving for a special event, school fees, or just worried your money is not keeping pace with inflation in bank accounts, you may want to give your hard-earned cash the chance to work harder for you. If you feel you have enough emergency funds in bank accounts or Cash ISA’s and want to look for alternative savings with greater growth potential, we can consider long term savings and investments. I advise clients on the following:

  • Stocks & Shares ISA’s – regular savings and lump sum investments.
  • OEIC’s/Unit Trusts/Investment Accounts – for regular savings and lump sum investments.
  • Bonds – onshore and offshore.

If you would like a free, no obligation initial conversation about your savings and investments, then please use the button to contact me.

Contact Me

The value of the investment can go down as well as up and you may not get back as much as you put in.

The FCA do not regulate the products or services in this section.

Other Financial Services

Dot

Because I would like to help you with all of your financial planning needs, I would be happy to discuss any of the following areas with you and recommend a suitable adviser for the services:

  • Private Health Care
  • Mortgage Services
  • Will Writing Services
  • Accountancy Consultation
  • Estate Advice following a death

The value of the investment can go down as well as up and you may not get back as much as you put in.

Get Social

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 Intrinsic are responsible for the accuracy of the information contained within the linked sites.

Website Design & SEO by Urban Element

Bay Tree Financial Planning is a trading style of Jennifer Usher who is an appointed representative of Intrinsic Mortgage Planning Limited and of Intrinsic Financial Planning Limited who are authorised and regulated by the Financial Conduct Authority. Intrinsic Financial Planning Limited and Intrinsic Mortgage Planning Limited are entered on the FCA Register (https://register.fca.org.uk/) under reference 440703 and 440718.

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 Granary, Cornbury Park, Charlbury, Oxfordshire, OX7 3EW
T: 01608 813070 | M: 07788 410743
jennifer@baytreefp.co.uk
© Bay Tree Financial Planning.
All rights reserved.