Chartered Financial Planner • FCA Registered • Independent • Based in Bath
Our Services
We provide independent financial advice across a range of areas, designed to help you build, manage, and protect your wealth. This page summarises the main services we offer. You can read the sections below for a quick understanding, or click through for more detail on each area.
Investment Management
We help you invest with a clear strategy matched to your goals, timescale, and tolerance for risk. Our approach includes:
- Understanding your objectives and any income needs.
- Diversifying across asset types and regions to manage risk.
- Reviewing regularly to keep your portfolio aligned with your plan.
We can manage investments held in ISAs, general accounts, pensions, or trusts, ensuring they remain cost-efficient and tax-aware.
Pension Advice
We advise on building and managing pensions to provide a sustainable income in retirement. This includes:
- Reviewing your current pensions and identifying any gaps.
- Consolidating old pensions where appropriate.
- Choosing tax-efficient contribution levels.
We can help to ensure your pension arrangements are on track to meet your retirement goals.
Retirement Planning
If you are approaching retirement or already retired, we can help you:
- Decide how and when to access your pensions.
- Choose between drawdown, annuities, or lump sums.
- Balance income needs with keeping money invested for the future.
- Plan withdrawals in a tax-efficient way.
We focus on making your retirement income last while supporting the lifestyle you want.
Protection and Insurance
We can recommend cover to protect you, your family, and your income if life takes an unexpected turn. This may include:
- Life insurance to provide for dependants.
- Critical illness cover to give financial support if you become seriously ill.
- Income protection to replace lost earnings if you cannot work.
We ensure any cover is appropriate for your needs and cost-effective.
Estate Planning and Inheritance Tax
We help you pass on wealth to loved ones or causes you care about, while minimising unnecessary tax. This can involve:
- Making gifts during your lifetime.
- Using trusts to retain some control over assets.
- Arranging life insurance in trust to cover any tax liability.
- Considering IHT-relievable investments.
We also assist with simplifying arrangements, making it easier for executors or attorneys to manage your affairs.
Ongoing Support
Financial planning is not a one-off exercise. We offer regular reviews to:
- Check your plan is still suitable.
- Adjust for changes in your life or the wider economy.
- Keep you informed about tax changes or new opportunities.
Our ongoing service can be adapted to your needs, whether you want annual meetings or more frequent contact.
Need Something Else?
This page outlines our main advice areas, but it doesn’t cover everything we do.
Every client’s situation is different, and we often provide support on a wide range of financial matters that may not be listed here. If you’re unsure whether we can assist, please get in touch.
Find Out More
Oliver Financial Planning
98 Bay Tree Rd, Bath BA1 6NF, UK
Oliver Financial Planning Ltd is authorised and regulated by the Financial Conduct Authority. Financial services reference number: 963900.
Our company number is: 13205258. Registered office address: 30 Circus Mews, Bath, BA1 2PW.
Investment Risk Warnings
All investments carry an element of risk, and the value of your investments can go down as well as up, so you could get back less than you invested.
A pension is a long term investment. The fund value may fluctuate and can go down. Your eventual income may depend on the size of fund when accessed, interest rates and legislation.
A Protection plan will have no cash in value at any time, and will cease at the end of the term. If premiums are not maintained, then cover will lapse and you may not be covered if a claim is made
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