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Nick Tate

Financial Adviser DipPFS in Annesley

A little bit about Nick

The best financial advice starts with understanding what matters most to you. My role is to simplify the complex, help you make confident decisions and build a plan tailored to your goals.

After 18 years in the Royal Navy, I bring a structured, disciplined approach to managing risk and planning ahead. Today, I help individuals, families and business owners grow and protect their wealth, plan for retirement and make clear, informed financial decisions.

Find out more about me below.

Start the conversation

Let’s work together to see how professional financial advice could benefit you.
Contact me today

Understanding the Autumn Budget

Changes announced in the Autumn Budget could have an impact on your finances, both now and in the years ahead.

Our guide explains the key announcements and provides a useful overview of the changes you may want to consider as part of your financial planning.

For help understanding how the Autumn Budget could impact you, get in touch with me today.

Download now

Money needs a plan. Here’s where to start

Money doesn’t make decisions on its own. Left sitting in cash, it quietly loses value. That’s why money needs a plan. It’s not about being wealthy or knowing all the answers – it’s about giving your money direction. And in the UK, many people miss out simply because they don’t take that first step.

  • Most people in the UK save sporadically or leave money sitting in cash – missing out on growth.
  • Planning gives peace of mind. It turns uncertainty into clarity.
  • The earlier you start, the more powerful the impact – but it’s never too late.
  • Quilter’s purpose is to help build brighter financial futures. That starts with a plan.
  • Investing always carries risk. Investing can help your money grow over time, but the value of investments can go down as well as up.

Making your money work for you

Why investing matters

  • Lazy money loses value over time – inflation chips away at it.
  • Investing little and often helps your money grow without needing to be an expert.
  • A plan helps you stay focused and avoid reactive decisions.

Inflation and ‘lazy money’

  • Inflation quietly erodes the value of your savings.
  • £10,000 in cash today could be worth significantly less in 10 years.
  • Investing helps protect your money from inflation and grow it over time.
Ready to build your plan? Contact me using the details above.

Approver Quilter Financial Services Limited. October 2026.

Holistic planning

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

Income Protection

Permanent health insurance to provide a regular income should you be unable to work due to illness or injury.

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.

General Insurance

Home contents insurance, buildings insurance.

Diploma in Regulated Financial Planning

  • The Level 4 Diploma in Regulated Financial Planning from the Chartered Insurance Institute develops core technical and initial financial planning understanding.

Nick's location

Annesley
Nottingham
United Kingdom

Nick is located in Annesley and offers expert financial advice to suit your needs.

I first became interested in financial advice after helping a colleague with their finances whilst serving in the Navy. Seeing the difference it made — and the weight it lifted — made me think how valuable good advice can be. I don’t believe financial advice should feel formal or transactional. It should be a conversation — understanding what matters to you, what you’re working towards and what concerns you might have — then building a plan around that.

Financial planning is about more than just investments. Life events such as illness, injury or loss can have a huge impact and having the right plans in place means you can focus on what really matters, without added financial stress. I also understand that finance is something many people put off as it can feel complex or overwhelming. My role is to simplify things, give you clarity and help you feel in control of your finances.

How I work

I follow a clear, structured process:

  • We start with an initial conversation to understand your situation and goals
  • Then build a full picture of your finances
  • I create a tailored, tax-efficient plan based on your needs
  • We review it together and keep it updated as your life evolves

I’m happy to work remotely, but I also value face-to-face meetings where possible.

Alongside my time in the Royal Navy (now continuing as a reservist), I’ve also worked as a self-employed property developer, bringing practical, real-world experience of managing risk, cashflow and long-term financial decisions.

Family is a big driver for me. Outside of work, I spend my time with my wife and young daughter whether that’s days out or enjoying the countryside with our ‘lively’ Cocker Spaniel. I’m also a keen hockey player and enjoy watching rugby.

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 May 2026.