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Sue Barnes

Financial Planning Consultant DipFA, CeMAP®

A little bit about Sue

Financial Planning Consultant | Estate Planner

Helping you make smarter decisions | Good financial planning is about designing a life that feels rich in every way.

Find out more about me below.

Start the conversation

Whether you want to think about a gifting plan to help your family, or want to ask me about something else, I’m happy to help.
Contact me today

An adviser’s insight

Gifts that give back

Graphic of people exchanging gifts

December is often seen as the gifting season. But alongside the usual socks and chocolate gold coins, it might be worth planning a slightly bigger, longer-term present for your loved ones this year.

Inheritance tax (IHT) is notoriously complicated and can hit people with a big bill if it isn’t managed properly. It isn’t reserved for the very wealthy either. Dealing with IHT is a reality that many more families face after a loved one has passed - in what is usually an extremely vulnerable moment.

This is where using your gifting allowances can make a real impact on those around you. It’s a great way to share your wealth with the people you love while limiting their exposure to IHT. It does take a little bit of extra planning though.

Sitting down with an adviser like me can help you figure out where you want your money to go, and when. For instance, it might be more helpful to gift a family member a contribution towards their first home now, rather than leaving them a legacy.

Whatever you decide is best, we’ll find the most tax efficient way to do it.

Get in touch to find out more.

*Estate Planning and Inheritance Tax Planning are not regulated by the Financial Conduct Authority.

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Services

Business Services & Protection

Commercial mortgages/remortgages, workplace pension and employee benefits. Commercial mortgages are by referral only.

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.

Income Protection

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

General Insurance

Home contents insurance, buildings 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.

Location

Sue's location

Cornwall & Isles of Scilly
Southwest England
TR4
United Kingdom

Sue is located in Southwest England and offers expert financial advice to suit your needs.

More about me

I’m a Financial Planning Consultant based in Cornwall, with strong ties to Wiltshire and Hampshire. I hold a BA (Hons) in Business Enterprise and professional qualifications from the London Institute of Banking & Finance, including the DipFA, CeMAP, and CeRGI. With over 35 years’ experience as a customer-facing professional, I pride myself on being empathetic, approachable, and genuinely interested in my clients’ stories. I take the time to truly understand your unique goals and aspirations. Together, we can build a robust financial plan tailored specifically to your needs - one that helps you feel confident and excited about the future and focused on what matters most to you.

I have experience working with generational families, those needing specialist financial advice due to disability, business owners (from sole traders to limited company directors), farmers, and dedicated professionals. I work with clients to align and protect both their personal and business interests, generate and preserve wealth, and safeguard what matters most.

My approach is honest, people-focused, and grounded in expert coaching and advice. I’m here to understand what drives you, and to help you navigate the financial milestones of life - from education and career-building, through marriage and parenthood, to retirement and beyond. So you can nurture your dreams and achieve your financial goals.

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 Financial Ltd, Quilter Financial Planning Solutions Ltd & Lighthouse Advisory Services Limited on 01 August 2022.