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Gemma Hutton

Financial Adviser DipFA, CeMAP® in Oxfordshire

A little bit about Gemma

Thank you for taking the time to read my profile. I’ve been advising clients since 2005, and I’m passionate about helping people feel confident about their financial future. I provide clear, straightforward advice tailored to individual goals, whether that’s planning for retirement, protecting loved ones, or building long-term financial security.  

Find out more about me below.

Start the conversation

Get in touch if you’d like to discuss how I can help you with windfalls and lump sums.
Contact me today

An adviser’s insight

If it’s time for financial advice, I can help you

Graphic of elderly couple passing wealth to their relatives

Coming into a sum of money can be exciting and overwhelming at the same time, especially if it’s sudden or unexpected. And while you’re trying to process all the emotions involved, you’ll probably have to make some important financial decisions as well.

Whether you’ve received an inheritance, a windfall, or a lump sum from work, having an adviser to help guide you and make a sensible plan can take away some of the stress and worry so you can focus on the benefits.

I can help you understand all the different options available to you, taking advantage of any allowances so your money works as tax-efficiently as possible.

I can also help you adjust your financial plans or make completely new ones by showing you how the choices you make today could impact your future.

Together, we can put your money to work in a way that helps you feel confident about the future.

Tax treatment varies according to individual circumstances and is subject to change.

Approver Quilter Financial Services Limited. April 2026.

Services

Holistic planning

Establishing and reviewing trusts, complete personal risk management planning, short- and long-term savings and investments.

Investments

Wealth management advice to make your money work as hard as it can for you, including making the most of any tax breaks available.

Pensions

Expert advice to help provide comfort in your retirement.

Protection

Whole of life and term assurance protection, private medical arrangements, critical illness insurance.

Qualifications

Diploma for Financial Advisers

  • The Diploma for Financial Advisers from the London Institute of Banking and Finance is the primary award for financial planners that develops core technical understanding across a broad range of key financial planning areas.

Certificate in Mortgage Advice and Practice - Level 3

  • CeMAP is the benchmark qualification for individuals aspiring to become mortgage advisers. It gives the skills, knowledge and certifications to deliver mortgage advice and practice.

More about me

Over the course of my career in financial services, I’ve supported clients through many of life’s key financial decisions. I have experience across a broad range of areas, including pensions, estate planning, investments and protection, enabling me to take a well-rounded and practical approach to advice.

What I value most is building genuine relationships and understanding what matters most to each client. Everyone’s circumstances are different, so I focus on delivering advice that feels personal, relevant and achievable. My aim is to simplify complex topics, helping clients understand their options clearly so they can make informed decisions with confidence.

I’m committed to creating a positive and supportive experience, where clients feel reassured and in control at every stage of their financial journey.

Outside of work, I enjoy spending quality time with my family and friends, making the most of being outdoors whenever I can. I also enjoy travelling, especially long city breaks where I can explore new places, cultures and food. I have two teenage boys who keep me busy with their passion for sports, so much of my spare time is happily spent supporting them from the sidelines. Keeping a good balance between work and home life is really important to me and helps me bring energy and focus to the way I support my clients.  

What to expect

In advising you, I follow a simple and trusted 3 step process:

1. Free intro call to understand your needs

We will arrange a time to talk about your goals and plans.

2. Personalised plan

I'll prepare a tailored plan which always takes full account of your goals, and gives you the steps and expert support from me to get there. All explained simply.

3. On going check-ins, on your terms

I'll be there as your financial adviser to give you the support you need.

The Financial Conduct Authority does not regulate some employee benefits, tax planning, inheritance tax planning, estate planning, succession planning, trusts or some buy-to-let mortgages.

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

Registered Office: Quilter Financial Advisers, Senator House, 85 Queen Victoria Street, London, EC4V 4AB. Tel: 0207 562 5856. Registered in England and Wales. Registered number: 05693185. Lighthouse Financial Advice Limited, Senator House, 85 Queen Victoria Street, London, EC4V 4AB. Tel: 0207 562 5856. Registered in England and Wales. Registered number: 04795080.

Quilter Financial Planning Network only: This financial promotion was approved by Quilter Financial Services Ltd & Quilter Financial Ltd on 14 August 2025.