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’re interested in preparing for tax year end, or just want advice on making your money go further.
Contact me today
Tackle tax year end with confidence
Tax rules can seem pretty impenetrable. With the new Budget, and so many different allowances and regulations to keep up with, it’s no wonder millions of us end up accidentally missing opportunities - equating to millions of pounds a year.1
In this case, ignorance really isn’t bliss. And by confidently preparing for tax year end, you can be sure you’re getting all the money you’re entitled to - whether that’s by saving as much as you can tax-efficiently or just using your allowances to their full extent.
I can go through your financial position with you, so you’re ready for tax year end on 5 April. Did you know, for instance, that only 1 in 7 savers fully use their ISA?2 Or that you could be one of the 2m couples3 who aren’t making the most of their marriage allowance?
Together we can make this tax year end something to celebrate, rather than pass by. Get in touch for your tax year end review, or a cashflow modelling session to understand your financial position better.
For ISAs, Investors do not pay any personal tax on income or gains, but may pay unrecoverable tax on income from stocks and shares received by the ISA managers.
Tax treatment varies according to individual circumstances and is subject to change.
Stocks and Shares ISAs invest in corporate bonds, stocks and shares and other assets that fluctuate in value.
2 Source: https://ifamagazine.com/just-one-in-seven-brits-use-their-full-isa-allowance-survey-shows/
3 Source: https://moneyweek.com/personal-finance/605717/marriage-tax-allowance
Approver Quilter Financial Services Limited & Quilter Mortgage Planning Limited. 17 December 2024.
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.
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.
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.
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.