Business Details
32 Years
experience
Trusted Financial Advisers in Bath
Established in 1994, we are independent financial advisers dedicated to providing tailored financial solutions. Our team combines decades of industry experience with a commitment to understanding individual client needs. We specialise in pensions, investments, mortgages, and protection planning, offering unbiased advice across the entire market. Our regulatory authorisation by the Financial Conduct Authority ensures adherence to rigorous professional standards. With offices in Bath and Exeter, we serve clients throughout the South West and London.Our directors hold advanced qualifications from the Chartered Insurance Institute and Personal Finance Society. We prioritise long-term client relationships built on trust and transparency. Our corporate advisory services support businesses with employee benefits and tax-efficient planning. We continuously invest in technology to enhance client portfolio management and communication. Client feedback drives our ongoing service improvements, ensuring relevance in a dynamic financial landscape.
Services
Pension Planning
Life Assurance
Income Protection
Investment Advice
Mortgage Solutions
Equity Release
Corporate Financial Advice
Estate Planning
Details
- Year established: 1994
Highlights and features
- We are FCA-authorised independent financial advisers with 25+ years market experience
- Our team includes Chartered Insurance Institute qualified professionals
- We offer comprehensive financial planning covering all life stages and business needs
- Client-focused approach with transparent fee structures and commission options
- Regional expertise serving Bath, South West and London clients
Associations and certifications
- Financial Conduct Authority
Services
Pension Planning
We help clients determine retirement income requirements and develop tailored pension strategies. Our expertise covers corporate pensions, self-invested schemes, and pension transfers. We provide post-retirement planning to ensure financial security throughout retirement years.
Life Assurance
Our life assurance solutions calculate appropriate coverage to maintain family lifestyles in case of premature death. We offer term life policies and whole-of-life cover tailored to individual circumstances and financial commitments.
Mortgage Solutions
We advise on mortgage options to reduce repayments or facilitate property moves. Clients choose between fee-based advice or lender-commission arrangements. We explain FCA-regulated and unregulated mortgage products clearly.
Investment Advice
Our investment strategies optimise capital growth and income generation. We assess risk tolerance and financial goals to recommend suitable portfolios. Services include regular savings plans and tax-efficient investment structures.
Corporate Financial Advice
We support businesses with employee benefits, tax planning, and succession strategies. Our services include corporate pension schemes and business protection insurance to safeguard company assets and key personnel.
People
Fred Binstead
Client Director
With 40 years' experience including Sun Alliance pensions department leadership, Fred specialises in corporate pensions and pension transfers. He provides specialist one-to-one pensions advice to individual and business clients.
Sandra Bishop
General Manager and Director
A Chartered Insurance Institute diploma holder, Sandra advises on all financial planning areas including mortgages, protection and investments. She supervises advisory teams and focuses on client trust-building relationships.
Kypros Harrison
Client Director
Kypros specialises in long-term care and inheritance tax planning. He collaborates with tax professionals and solicitors to deliver holistic financial solutions. Holds Personal Finance Society qualifications and manages IT operations for the firm.
Gary Pimm
Client Director
Gary provides wealth management and tax planning advice. He oversees sales operations in Bath and Exeter, working with legal and accounting professionals to develop comprehensive financial strategies for personal and corporate clients.
Tim Quirke
Director
With 30 years' experience including Prudential and London consultancy roles, Tim offers full financial planning services. He manages finance and personnel operations for the firm while maintaining client advisory responsibilities.
Questions
What financial services do you offer?
We provide pensions, mortgages, investments, life assurance, equity release, and corporate financial advice. Our FCA-authorised team offers independent guidance tailored to individual and business needs.
How are your mortgage services structured?
Clients choose between paying an advice fee or allowing us to receive lender commission. We explain both FCA-regulated and unregulated mortgage options to suit different circumstances.
Are you regulated by financial authorities?
Yes, we're authorised and regulated by the Financial Conduct Authority (FCA) under reference 440633. This ensures our advice meets strict professional standards.
How can I access my investment portfolio?
We provide online access through platforms including Quilter, Fidelity Funds Network and Elevate Platform. These tools allow real-time monitoring of your investment positions and performance.
What areas do you cover?
Based in Bath, we serve clients across the South West, London and surrounding regions. Our corporate advisory services extend nationwide through our director team's extensive networks.
