Business Details
29 Years
experience
Chartered Financial Planning Experts in Exeter
Foresight Financial Planning has been providing independent financial advice since 1997, serving clients across the UK from our base in Exeter. Our Chartered status, awarded by the Chartered Insurance Institute, reflects our commitment to ethical practice, professional qualifications, and client-centric service. We specialise in wealth management, pension planning, tax-efficient strategies, and estate planning, combining technical expertise with a personalised approach. Our team of 14 professionals brings decades of collective experience, offering tailored solutions for individuals, families, and business owners.We prioritise long-term relationships, ongoing financial education, and adapting strategies to evolving client needs. Our regulatory authorisation by the Financial Conduct Authority ensures adherence to rigorous industry standards, while our local presence in Devon supports deeper community engagement. Through transparent communication and evidence-based decision-making, we aim to make complex financial concepts accessible and actionable for every client.
Services
Wealth Management
Pension Planning
Tax Planning
Estate Planning
Mortgages
Life Insurance
Business Owner Services
Specialist Financial Services
Divorce Financial Advice
Expert Witness
Details
- Year established: 1997
Highlights and features
- 25 years of experience in UK financial planning since 1997
- Chartered status demonstrating professional excellence and ethical standards
- Personalised wealth management strategies tailored to individual circumstances
- Holistic approach integrating pensions, tax, and estate planning
- Regulated by the Financial Conduct Authority for client protection
Associations and certifications
- Chartered Insurance Institute (CII)
Services
Wealth Management
Our wealth management service combines tax-efficient investments, pension strategies, and estate planning to preserve and grow client assets. We create bespoke portfolios aligned with risk tolerance and financial goals, regularly reviewing performance to adapt to market changes. With a focus on long-term growth and capital protection, we help clients achieve financial independence through strategic asset allocation and ongoing portfolio management.
Pension Planning
We specialise in comprehensive pension planning, including workplace schemes, personal pensions, and self-invested options. Our experts analyse contribution levels, investment choices, and tax implications to maximise retirement income. We provide guidance on pension consolidation, drawdown strategies, and lifetime allowance management, ensuring clients make informed decisions about their future financial security.
Tax Planning
Our tax planning service identifies legitimate opportunities to reduce tax liabilities through strategic investment choices and financial structuring. We utilise ISAs, pensions, and tax-efficient vehicles like EIS/VCTs to optimise client outcomes. By staying current with legislative changes, we help clients retain more of their income and capital gains while maintaining full compliance with HMRC regulations.
Estate Planning
We develop tailored estate plans to facilitate smooth wealth transfer while minimising inheritance tax burdens. Our strategies include trust structures, lifetime gifting, and charitable donations. We coordinate with legal professionals to ensure wills and lasting powers of attorney align with overall financial plans, providing peace of mind for intergenerational wealth preservation.
Mortgages
Our independent mortgage advice covers residential and buy-to-let financing across the entire market. We assess affordability, recommend suitable products, and manage applications from start to completion. We specialise in complex cases, including self-employed applicants and property investors, ensuring clients secure competitive rates that align with their broader financial objectives.
People
Tim Bishop
Managing Director & Chartered Financial Planner
With over 30 years' experience, Tim founded Foresight in 1997. He specialises in pensions, investment management, and tax planning, holding advanced qualifications in financial services. Tim acts as an expert witness in pension matters and prioritises simplifying complex financial concepts for clients.
James Selman
Director & Chartered Financial Planner
A Chartered Financial Planner and Personal Finance Society Fellow, James provides comprehensive wealth management advice. His expertise includes inheritance tax planning and long-term care strategies. He joined Foresight in 2010 after qualifying with specialist pensions and investment credentials.
Alan Meaton
Senior Mortgage Consultant
With 35 years in mortgage advisory, Alan leads our mortgage team. His extensive market knowledge helps clients navigate complex lending criteria. He specialises in sourcing competitive deals for standard and non-standard residential cases, including buy-to-let properties.
Fiona Sewter
Office Administrator
Fiona manages client communications and office operations, drawing on 25 years of teaching experience to provide clear financial guidance. She ensures smooth administrative support across all client interactions, maintaining Foresight's high service standards.
Rachel Lopes
Associate Adviser
Rachel holds a Diploma in Financial Planning and supports clients with comprehensive financial advice. With experience since 2015, she focuses on investment strategies and retirement planning, combining technical knowledge with client-focused communication.
Questions
What financial services do you specialise in?
We specialise in wealth management, pension planning, tax efficiency strategies, estate planning, mortgages, and business financial advice.
Are you regulated by financial authorities?
Yes, we are authorised and regulated by the Financial Conduct Authority under reference 788849.
How do you charge for your services?
Our fees vary by service complexity. We provide transparent cost breakdowns before starting any work, with options for hourly rates or fixed fees.
Can you help with complex financial situations?
Yes, we specialise in complex cases including business succession planning, divorce financial settlements, and expert witness testimony.
Do you offer ongoing financial support?
Yes, we provide regular portfolio reviews and adapt plans to changing circumstances throughout clients' financial journeys.
What makes you different from other advisers?
Our Chartered status, 25-year track record, and holistic approach combining technical expertise with personal service set us apart.
