Business Details
Trusted Financial Advisers in Croydon
Baker Gladstone & York is a team of independent financial advisers dedicated to helping clients align their financial futures with their life goals. With a focus on personal contact and long-term relationships, we provide tailored advice on cashflow planning, retirement strategies, investment management, and tax-efficient wealth transfer. Our team combines advanced analytical tools with decades of collective experience to create bespoke financial solutions.We prioritise transparency, regulatory compliance, and client education, ensuring our recommendations reflect individual circumstances and objectives. As an FCA-authorised firm, we maintain rigorous professional standards while delivering accessible, jargon-free guidance to individuals navigating complex financial decisions.
Services
Cashflow planning
Retirement planning
Investment advice
Inheritance tax planning
Mortgage advice
Protection planning
Pensions advice
Highlights and features
- We are FCA-authorised and regulated for financial services excellence
- Our team maintains decades of combined experience in financial planning
- We utilise advanced software for precise, data-driven financial modelling
- We prioritise long-term client relationships over transactional interactions
- We provide transparent fee structures and jargon-free explanations
Associations and certifications
- Financial Conduct Authority
What people say
Creative investment approach
Transparent fee structures
Clear explanations
Long-term relationships
Tailored solutions
Services
Cashflow planning
Our cashflow planning service creates detailed projections matching your current assets and income against present and future expenditure. Using advanced software, we stress-test scenarios to ensure financial resilience while helping achieve lifestyle objectives. Clients benefit from regular reviews to maintain alignment with evolving goals.
Retirement planning
We assess existing pension arrangements and develop strategies to fund your desired retirement lifestyle. Our advisers help navigate complex pension options and SIPP management, ensuring adequate provisions for up to a third of your life spent in retirement while maintaining transparency about fees and risks.
Investment advice
Our investment advisory service identifies objectives, risk profiles, and timeframes to build tailored portfolios. We balance capital protection with growth potential using rigorous research and monitoring, while clearly explaining market risks and performance factors affecting your investments.
Inheritance tax planning
We evaluate your assets and family circumstances to develop tax-efficient wealth transfer strategies. Our advice focuses on minimising inheritance tax liabilities while ensuring financial security for beneficiaries, with clear explanations of current taxation rules and available exemptions.
Mortgage advice
Our mortgage specialists assess borrowing capacity and recommend suitable arrangements for property purchases. We explain different mortgage types and repayment implications, helping clients make informed decisions about home financing while highlighting repossession risks.
People
David Gladstone
Financial Adviser
Experienced financial adviser with over 10 years of client relationships, specialising in investment management and tax planning. Provides clear explanations of complex financial matters with a creative, client-focused approach.
Peter Gladstone
Pension Specialist
Pension expert with five years of experience creating retirement strategies. Delivers comprehensive reports and transparent fee structures while managing SIPP arrangements in challenging market conditions.
Tom Bates
Financial Planner
Skilled financial planner focusing on cashflow modelling and long-term wealth management. Combines technical expertise with accessible communication to help clients achieve financial objectives.
Phil Wilson-Smith
Adviser
Dedicated adviser providing balanced investment advice with appropriate client contact frequency. Tailors solutions to individual requirements while maintaining professional standards.
Questions
What financial services do you offer?
We provide cashflow planning, retirement strategies, investment management, inheritance tax planning, mortgage advice, protection planning, and pensions guidance for job changers.
Are you regulated by financial authorities?
Yes, we are authorised and regulated by the Financial Conduct Authority (FCA) under registration number 509758.
How do you charge for your services?
We provide transparent fee structures with initial consultations and research offered at our expense, ensuring clear understanding before any commitments.
Can you help with pension transfers?
Yes, our specialists advise on pension consolidation, transfers to new employers' schemes, and long-term retirement funding requirements.
What areas do you cover?
We primarily serve clients across the UK from our Croydon office, with remote consultations available nationwide.
Reviews (6)
Sally Kettle
Dec 17, 2019
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BG&Y have been our IFA for several years now, guiding us through the often complex world of pensions, mortgages and investments. Their professionalism, and attention to detail has enabled us to trust their advice and recommendations. But for us it's more than that - we like the feeling of inclusiveness, as if we're part of a larger family, rather than being just a client. That's important to us, especially when they help us make difficult financial decisions.
Dominic Galvin
Dec 05, 2019
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BG&Y have been providing advice to us for over 10 years. During this time they have been very professional and proactive in providing us with the information/products that we required. David and Tina are great to work with and so responsive to our requests.
Chris Andrews
Nov 13, 2019
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I have been a client of BGY for over 7 years, and have been very happy with the advice I have received over that time. David Gladstone and the rest of his team are always very responsive, and have some really useful tools to help with planning for post-retirement life.
Clare Somerville
Oct 27, 2019
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I have used Baker Gladstone & York for over 20 years for my financial planning, investment, mortgage, and pension management needs and have been delighted with their service. I have recommended them to many friends and colleagues who have subsequently become clients. Their attitude to financial planning is highly individualised and handled with scrupulous attention to detail. The face to face review meetings are highly beneficial in terms of understanding portfolio dynamics and performance.
Gary Spilman
Apr 22, 2019
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I continue to value the on-going annual review to re-evaluate earlier investment decisions in the light of regulatory changes and changes to personal circumstances. The latest guides which BG&Y have issued covering investments and pensions are a valuable source of information and offer further links should you wish to get more involved in the detail.
Lyndsey Higgins
Apr 10, 2019
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Thoroughly recommend, have worked with BGY for several years for our mortgages and insurances, Tina has always been a pleasure to work with
