Business Details
Your Trusted Financial Advisers in Bath
City Financial Planning has been providing expert financial advisory services for over two decades, specialising in pensions, mortgages, investments, and protection. Our team of seasoned professionals combines extensive industry experience with a client-centric approach to deliver tailored financial solutions. We are authorised and regulated by the Financial Conduct Authority, ensuring the highest standards of service and compliance.With a focus on independent advice, we assess the entire market to recommend products and strategies that align precisely with individual client needs. Our commitment to transparency, ethical practices, and continuous professional development has established us as a trusted partner for both personal and corporate financial planning in Bath and beyond.
Services
Pension Planning
Mortgage Advice
Investment Management
Life Insurance
Equity Release
Corporate Financial Advice
Long Term Care Planning
Highlights and features
- We offer 40+ years of pensions expertise from our senior team members.
- Our independent advice covers the entire market for unbiased recommendations.
- Chartered professionals provide advanced expertise in tax and estate planning.
- Regulated by the Financial Conduct Authority for complete compliance assurance.
- Client-focused approach with bespoke financial strategies for individual needs.
Associations and certifications
- Financial Conduct Authority
Services
Pension Planning
We help clients determine retirement income requirements and develop strategies to achieve financial security. Our specialists provide expert guidance on pension transfers, self-invested schemes, and post-retirement planning. With decades of experience in corporate and personal pensions, we ensure compliance with evolving legislation while optimising tax efficiency and long-term growth potential.
Mortgage Advice
Our advisers help reduce mortgage costs through comprehensive market analysis. We offer fee-based or commission-paid options while explaining risks associated with different mortgage types. Services include remortgaging strategies, first-time buyer guidance, and specialist advice for self-employed individuals. We clearly explain repossession risks and ensure clients understand all financial commitments.
Investment Management
We create tailored investment portfolios considering clients' risk profiles and financial goals. Services cover equity release, tax planning, and structured product recommendations. Our team monitors market trends to optimise returns while maintaining appropriate risk levels. We provide access to platforms like Quilter and Fidelity for transparent portfolio management.
Life Insurance
We assess clients' protection needs to ensure family financial security in case of premature death or illness. Services include income protection policies, critical illness cover, and business protection strategies. Our advisers explain policy terms clearly and recommend appropriate coverage levels based on individual circumstances and dependants' needs.
Corporate Financial Advice
We advise businesses on employee benefits, pension schemes, and corporate protection. Our team works with accountants and solicitors to develop tax-efficient strategies for business owners. Services include succession planning, company investment strategies, and group insurance solutions tailored to specific industry requirements.
People
Fred Binstead
Client Director
With 40 years' experience in financial services, Fred specialises in pensions legislation and corporate benefits. He provides expert one-to-one pensions advice while maintaining corporate client relationships. His career includes senior roles at Sun Alliance and Royal & Sun Alliance.
Sandra Bishop
General Manager and Director
Sandra has over 20 years' experience in financial services, holding a CII Diploma in Financial Planning. She supervises advisory teams and provides holistic financial advice covering mortgages, protection, and investments. She prioritises trust and open communication in client relationships.
Kypros Harrison
Client Director
Kypros specialises in long-term care and inheritance tax planning. With industry experience since the 1990s, he provides corporate financial advice and works closely with tax professionals. He holds the DipPFS qualification and is pursuing Chartered status with the CII.
Gary Pimm
Client Director
Gary has 25+ years' experience advising on wealth management and corporate finance. He oversees sales and marketing operations while providing specialist advice on tax planning, pensions, and trust structures. His expertise includes personal injury compensation trust planning.
Tim Quirke
Director
Tim has 30 years' financial services experience, including roles at Prudential and a London consultancy. He provides full financial planning advice and manages the firm's finance and personnel operations. He holds equity ownership in the company.
Questions
What financial services do you specialise in?
We specialise in pensions, mortgages, investments, life insurance, equity release, and corporate financial planning. Our advisers provide comprehensive solutions across all these areas.
How are your advisers qualified?
Our team holds qualifications including DipPFS, CII Diplomas, and Chartered status. Many have decades of industry experience and maintain ongoing professional development.
How do you charge for mortgage advice?
Clients can choose between paying a fee or allowing us to receive commission from lenders. We clearly explain all costs before proceeding with mortgage advice.
Are you regulated by the FCA?
Yes, City Financial Planning Limited is authorised and regulated by the Financial Conduct Authority (no. 440633) for financial services.
Do you offer online portfolio access?
Yes, clients can monitor investments through platforms including Quilter, Fidelity Funds Network, and Elevate Platform with secure online access.
What areas do you cover?
We primarily serve clients in the South West and London, with satellite offices available for localised financial planning support.
