Financial Planning Consultant DipPFS,Certs CII (MP & ER) in Bristol
I am a financial adviser based in Bristol, providing financial planning advice across the South-West. I am motivated to ensure financial planning advice is accessible to all. I put my clients at the heart of what I do, working with individuals, families, business owners and the self-employed.
In the UK, there’s an estimated £26.6bn1 in lost or forgotten pensions. That means the average UK worker is missing as much as £28k2 from their retirement money. But there’s good news - this kind of financial hit is completely avoidable.
This one might seem obvious, but it’s easy to lose track of your pension pots, where they are, and what they’re doing. If you make a note of your pension providers, and check your pot(s) regularly, you’re far less likely to lose one of them over time.
Your investment allocation is where and how you’re investing your pension. Often, people will just use their pension provider’s default setting. But this might not actually be right for your retirement goals and risk profile. So, it’s a good idea to revisit this every few years.
If you’ve had a windfall recently, like a pay rise, bonus, or inheritance, putting a portion of it into your pension is a good idea. Not only is it tax-efficient, but you’ll be glad when your retirement comes around.
As an adviser, my role is to help you get all of this done simply, with all the facts and information you need. That might be helping you review your risk profile, consolidating old pension pots, or making a plan to help you retire early.
If that sounds good to you, please get in touch.
The value of pensions and the income they produce can fall as well as rise. You may get back less than you invested. Tax Planning is not regulated by the Financial Conduct Authority. Tax treatment varies according to individual circumstances and is subject to change.
2 Source: https://www.hrmagazine.co.uk/content/news/average-uk-worker-has-28-000-in-unclaimed-pensions
Commercial mortgages/remortgages, workplace pension and employee benefits. Commercial mortgages are by referral only.
Establishing and reviewing trusts, complete personal risk management planning, short- and long-term savings and investments.
Permanent health insurance to provide a regular income should you be unable to work due to illness or injury.
Wealth management advice to make your money work as hard as it can for you, including making the most of any tax breaks available.
Expert advice to help provide comfort in your retirement.
Whole of life and term assurance protection, private medical arrangements, critical illness insurance.
Financial planning for dental and medical professionals, in-depth knowledge of NHS pensions and needs of hospital doctors, GPs, dentists and locums.
Kate exudes trust. Having carefully researched our needs, attitude towards risk and financial position, Kate has advised and managed our affairs proactively and professionally. As a retired couple we rely on her expertise and have always felt secure.
We reached out to Kate as we had a substantial amount of cash sitting in the bank being eroded by inflation. We are novice investors and moving our cash from a bank account into an investment portfolio was a big decision for us.
Kate carried out a detailed Fact find exercise establishing a lot of information about us before coming up with an investment proposal. She is extremely professional and knowledgeable, she listened to our needs and answered our questions in a clear concise manner. We are delighted with the outcome and we have learnt a lot from her during the process. We are now looking forward to enjoying the returns over the coming years.
I would strongly recommend talking with Kate you will not be pressurised and you certainly will not be disappointed.
Kate has been my Financial Adviser since 2019 when she took over the role from my previous adviser. She visited me with my outgoing adviser to familiarise herself with my portfolio and introduce herself to me.
I found her to be very personable and keen to follow up on my financial needs. She very wisely did not make wholesale changes to my portfolio, to stamp her own ideas on me immediately, but over a period has made gradual changes backed by sound financial advice.
She is trustworthy, reliable and makes sure she has regular meeting, even during the lockdowns imposed by Covid restrictions, she conducted meetings online. Following meetings, she issues revised reports promptly and whenever I have had queries or questions, she responds to me quickly and efficiently.
I consider I am treated as a valuable client and am quite satisfied with the service she provides.
Kate helped organise my life and critical illness cover. Being self employed it was important I had these covered to protect myself and my family were I not able to work for any reason. Kate explained all the options clearly and helped find the best solution for me and my family. Hopefully I will never need to use it but it is reassuring to know that cover is in place. I wouldn’t hesitate to recommend Kate’s services to my friends and family.
I help and support my clients to achieve their goals with a personal first-class service, making the most of opportunities in the most tax efficient way. I can provide specialist expertise in investing, pension planning for both pre-and post-retirement, protection, inheritance tax and succession planning, and specialist long-term care funding. With my knowledge and experience, I am well equipped to understand what drives you and your long-term goals. I will instil confidence, and most importantly, peace of mind to enjoy life without financial worry.
I am passionate about supporting women with their financial planning needs, to break down the barriers that prevent them from engaging with investment and pension planning, and to help bridge the current gender gaps.
Outside of work, I am a busy mum. In my spare time (5-6am!), I enjoy keeping fit, including running and Peloton which are fuelled by a love for cooking delicious meals and a reputation as a respectable baker.
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 Wealth Ltd, Quilter Financial Services Ltd, Quilter Mortgage Planning Ltd, Quilter Financial Ltd, Quilter Financial Planning Solutions Ltd & Lighthouse Advisory Services Limited on 01 August 2022.
