Kate Farmer
Financial Planning Consultant DipPFS,Certs CII (MP & ER) in Bristol
A little bit about Kate
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.
Start the conversation
Speak to me if you’d like to give your finances a spring clean or are thinking about freshening up your long-term plans.
Contact me today
An adviser’s insight
Enjoy the feel-good factor of a financial spring clean
With the start of a new tax year, now is a great moment to take a little bit of time to get your finances in order and look ahead to the next 12 months and beyond.
I can help you take a fresh look at your finances and put a plan in place to help your money work hard for you over the next year. This can include ensuring that you’re maximising your new tax-free savings and gifting allowances.
We can also consider any important updates to your circumstances, such as a pay rise or promotion, or changes to your family.
Now is also a good time to review your longer-term goals and check in on your retirement savings. A cashflow model is an excellent way to do this as it can help to show how on track you are, if you need to make any adjustments, and the positive impact that even a few small changes made today can have on your finances over the long term.
Click on the contact me today button at the top of my profile to discuss how I can help you.
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.
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.
Dental & Medical
Financial planning for dental and medical professionals, in-depth knowledge of NHS pensions and needs of hospital doctors, GPs, dentists and locums.
Qualifications
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.
Certificate in Long-Term Care & Later Life Planning
- CertLTCP is a specialised qualification covering the UK long-term care planning environment, including the responsibilities of the NHS and local authorities, long term care insurance and the financial assistance options available.
Testimonials
John B.
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.
Yvonne S.
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.
Karen M.
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.
Lee P.
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.
More about me
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.