Business Details
Trusted Financial Advisers in Bath
City Financial Planning has been delivering independent financial advice since its establishment, combining deep industry expertise with a client-centric approach. Our team of Chartered Financial Planners and Directors brings decades of collective experience in pensions, investments, mortgages, and corporate financial strategy. Regulated by the Financial Conduct Authority, we specialise in creating tailored financial solutions that align with individual and business needs. Our commitment to compliance and ethical standards ensures clients receive transparent, trustworthy guidance. With a focus on long-term relationships, we provide holistic planning for retirement, tax efficiency, and wealth preservation.Our professionals hold advanced qualifications from the Chartered Insurance Institute and Personal Finance Society, maintaining continuous professional development. We serve clients across the South West, London, and nationally through satellite offices. Our unique value proposition lies in combining technical expertise with a personal touch, ensuring clients feel confident in their financial decisions. Through regular reviews and market analysis, we adapt strategies to changing circumstances and regulations. Our mission remains to simplify complex financial markets, empowering clients to achieve their financial goals with clarity and confidence.
Services
Pension Planning
Life Assurance
Income Protection
Investment Advice
Mortgage Advice
Business Protection
Equity Release
Inheritance Tax Planning
Corporate Financial Advice
Retirement Planning
Highlights and features
- We are regulated by the Financial Conduct Authority for compliance and ethical standards
- Our team includes Chartered Financial Planners with CII qualifications
- We offer holistic financial planning covering pensions, mortgages, and tax efficiency
- We provide independent advice across the entire market with no restricted products
- We combine 30+ years' experience with modern financial technology solutions
Associations and certifications
- Financial Conduct Authority
Services
Pension Planning
We help clients plan for retirement by analysing current pension provisions, projecting future income needs, and recommending appropriate solutions. Our expertise covers workplace pensions, self-invested personal pensions (SIPPs), and pension transfers. Chartered advisers ensure compliance with evolving legislation while optimising tax efficiency and growth potential for long-term financial security.
Mortgage Advice
Our FCA-regulated mortgage advice covers residential and buy-to-let financing options. We compare products across the market to find competitive rates for first-time buyers, remortgagers, and property investors. Clients can choose between fee-based advice or lender-commission arrangements while understanding risks including repossession if repayments fail.
Investment Advice
We provide tailored investment strategies for capital growth and income generation. Services include portfolio management, tax-efficient wrappers like ISAs and SIPPs, and risk profiling to match client objectives. Our advisers consider market conditions and individual circumstances to create diversified investment solutions aligned with financial goals.
Life Assurance
Our life insurance solutions protect families and businesses against financial loss from premature death. We assess individual needs to recommend term life, whole-of-life, or critical illness cover. Policies can be structured to provide lump sums for dependants, mortgage protection, or business continuity funding with appropriate underwriting considerations.
Business Protection
We design protection strategies for businesses including key person insurance, partnership protection, and shareholder agreements. Our corporate solutions address risks from unexpected death or serious illness of critical personnel, ensuring business continuity and financial stability through tailored insurance arrangements and succession planning.
People
Fred Binstead
Client Director
With 40 years' experience including 20 years at Sun Alliance pensions department, Fred specialises in corporate pensions, employee benefits, and pension transfers. He provides specialist one-to-one pensions advice while maintaining corporate financial planning expertise.
Sandra Bishop
General Manager and Director
A Chartered Insurance Institute diploma holder with 20+ years' experience, Sandra advises across all financial planning areas. She combines business development with client advisory work, focusing on trust-based relationships and holistic financial solutions.
Kypros Harrison
Client Director
Specialising in long-term care and inheritance tax planning, Kypros has 25+ years' experience advising private and commercial clients. He works closely with tax professionals and holds advanced qualifications while maintaining IT responsibility for the company.
Gary Pimm
Client Director
With 25+ years' experience including director roles at high-profile firms, Gary specialises in wealth management, tax planning, and corporate pensions. He oversees sales and marketing operations while providing comprehensive financial planning for domestic and commercial clients.
Tim Quirke
Director
A 30-year financial services veteran, Tim offers full financial planning advice. He manages finance and personnel operations while maintaining equity ownership in the company. His experience spans retail distribution and international consultancy projects.
Questions
What financial services do you offer?
We provide pensions, investments, mortgages, life assurance, business protection, equity release, and tax planning services. Our FCA-regulated advisers create tailored solutions for individuals and businesses across the UK.
How are your financial advisers qualified?
Our team includes Chartered Financial Planners with CII qualifications and members of the Personal Finance Society. All advisers maintain continuing professional development to ensure up-to-date expertise and regulatory compliance.
How do you charge for mortgage advice?
Clients can choose between paying a fee for mortgage advice or allowing us to receive commission from lenders. We'll explain both options' implications to help you make an informed decision.
Are you regulated by the FCA?
Yes, City Financial Planning Limited is authorised and regulated by the Financial Conduct Authority (FCA number 440633), ensuring we meet strict compliance standards for client protection.
Can I view my investments online?
Yes, we provide access to Quilter, Fidelity Funds Network, and Elevate Platform for monitoring investments. These secure platforms allow real-time portfolio tracking and access to market information.
