Personal Advice

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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. 

Personal Financial Advice

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.

 
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Jennifer has assisted me on a personal level and I cannot praise her help highly enough! Her knowledge of the FS [Financial Services] industry and personal touch, supported by her integrity meant that I fully trusted her to help both my husband and me with our pension arrangements, which were dealt with efficiently and with great care!

Chris Dyckes
MIRP, Avatar Recruitment
Consultancy, Bloxham

Testimonial

Protection and Insurance

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 the diagnosis of a critical illness.

  • Income Replacement Plan – similar to buying your own sickness benefits for the long term.

  • The 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.

 
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Pensions

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 to them now or not.

  • Assessment of existing employer pensions – whether contributing to 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 to 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.

 
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LOOKING FOR MORE DETAILS ABOUT THE ADVICE PROCESS?

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I will guide you through the six-stage process, which has been designed to give you a clear path while enabling me to deliver consistent and high-quality financial advice.

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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.

Savings & Investments

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.

 
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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.

Will Writing, Accountancy Consultation and Estate Advice following a death are services separate to our relationship with Quilter Financial Planning who are not responsible for any advice given.

Other Financial Services

The Financial Conduct Authority do not regulate will writing, accountancy services and estate planning.

I would like to help you with all of your financial planning needs, there are some areas that I cannot and I can refer you to an adviser outside Bay Tree Financial Planning to help you get the correct advice for the following services:

  • Private Health Care

  • Mortgage Services

  • Will Writing Services

  • Accountancy Consultation

  • Estate Advice following a death

Your home may be repossessed if you don't keep up repayments on your mortgage.

 
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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.

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Get in touch

If you are considering taking financial advice I would love to talk to you. Please feel free to call me on 01608 813070 or alternatively please fill out the form and I’ll contact you as soon as I possibly can.

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