Welcome to Kate Bailey Financial Planning Limited
We provide financial advice to our clients on behalf of The Advice Partnership from Prudential.
Kate Bailey Financial Planning Limited is proud to be a member of The Advice Partnership from Prudential.
We’re qualified in financial planning and advise on a range of carefully selected products from Prudential and other providers.
We’re backed by the strength and credibility of Prudential, an M&G plc company, who has been providing financial security for over 170 years.
M&G plc has more than 5.5 million customers in 28 markets across the world, as at October 2019.
Kate is the Director of Kate Bailey Financial Planning Limited. With over 20 years' worth of experience as a highly qualified Financial Adviser, Kate offers specialist advice and expertise across all financial planning areas. She has comprehensive experience in investment planning and the technical area of pensions and retirement options.
Kate’s mantra has always been to deliver open and easy to understand advice - no matter what your level of investment experience, or your situation. Kate appreciates that each person is unique, so she takes the time to truly understand what is important to them and their family, in order to reach their financial goals. Kate is passionate and committed to building long term relationships with all her clients, founded on exceptional service, integrity and professionalism.
You can be sure that Kate will explain things in a way that makes perfect sense, providing you with the clarity you need. It's this commitment and approach that leads to the long term customer relationships she continues to build and maintain, with an easy conversation that is usually combined with a cup of tea and biscuits!
Kate spent over eight years as a Financial Adviser with Prudential Financial Planning, she set up her own business, still backed by the strength and credibility of Prudential, as a Member of The Advice Partnership from Prudential.
Kate made my dream of retiring at 55 a reality . From our initial meeting right through until my retirement on my birthday, she was available for detailed financial advice for what can be a very tricky process. Everything worked like clockwork and I know that in the future Kates' advice is only a call or email away. It truly was and is a first class service and I would not hesitate to recommend Kate .
We would highly recommend Kate Bailey as a financial adviser as someone who gives concise and easy to understand advice. She always makes herself available if questions crop up and we have every confidence in her ability. We feel secure in the knowledge that our pension pot is been well taken care of and have even recommended her to close friends.
We sought financial planning advice from Prudential back in 2014 and our consultant was Kate Bailey. We had small amounts of money in a variety of different accounts and institutions and Kate diligently brought these together under ‘one umbrella’. She completely understood our needs and competently addressed any concerns we had.
She was always professional, knowledgeable and informative and quickly gained our trust. Her ability to recall and remember everything with regard to our finances is impressive. She is very approachable and responsive should we need to contact her and feel very fortunate to have her as our Financial Consultant. We have recommended her to friends who also share the same views.
My husband and I were first introduced to Kate Bailey several years ago, in her capacity as an Financial Adviser with Prudential. During this time she advised us on our existing investments and introduced us to new ones. My husband has always been very careful where his money/investments were concerned, however in Kate's hands he had no reason to be. We always found her to be extremely open, approachable, friendly, kind and courteous but above all very knowledgeable & professional.
Sadly two years ago my husband died and whilst finances were the very last thing on my mind, I cannot emphasize enough how amazing Kate was at the time - what an amazing asset she was to me and continues to be! I cannot recommend her highly enough.
Kate came recommended to us by a friend when we were looking at how best to manage our pension and plan for our retirement. We had never used a financial adviser before and were a little unsure what to expect, however Kate quickly made us feel at ease. Kate listened to what was important to us and talked through all of our options. She was approachable, friendly and always quick to respond to our questions and queries.
We're really happy with all the advice Kate has given to us and would not hesitate to recommend her. Thanks to Kate we are now enjoying an early retirement!
We were going nowhere with our plans for our dreams of early retirement until a colleague recommended Kate Bailey to us. At first I was very wary of allowing a stranger into our home to discuss and disclose all our finances. Kate however, made an immediate impact on us and a bond of trust soon ensued.
We found Kate very friendly and informative but most of all gave us confidence in what she proposed, which is always explained very clearly and simply. Some years later we were actually in a position to take that early retirement, something we definitely wouldn’t have been able to do if it wasn’t for Kate.
Furthermore, Kate goes that extra yard beyond the call and whenever I contact her for some help, her response is quick and a resolution is made. I would have no hesitation in recommending Kate to anyone and indeed I have done that.
After years of basically doing nothing, my wife and I decided to get a pension review. Fortunately for us, it was Kate that came to do the review. She explained everything in simple terms, professionally collected the information she needed to put a plan together, and then proceeded to put everything in place. When Kate explains things in person it all seems so easy to understand, the paper statements from the pension provider not so much.
We would highly recommend Kate as an adviser if/when anyone needed their finances/pensions put in order. Peace of mind is what Kate has given to us.
We can recommend Kate with highest level of confidence and assurance. She is extremely professional, knowledgeable, and always available for advice. As well as that she is friendly, always cheerful and has a good-natured personality and is a great friend to have.
Kate has looked after our finances and retirement plans for the last seven years impeccably and with continual analysis and scrutiny to provide the most solid and profitable way to ensure our financial security when we will need it the most. She has lead us through the unexpected impact on our finances of the Covid-19 pandemic and we have definitely came out smiling and still looking forward to a safe well managed retirement.
I cannot recommend Kate Bailey highly enough. Nothing is too much trouble. Very knowledgeable and reassuring. Extremely trustworthy and have always felt confident in the advice Kate has given us and in her handling our finances. A great asset to the Prudential.
Kate has been our financial advisor for 6 years. She has always given excellent advice and we totally trust her.
Kate was very keen to get to know us as a family in order to fully understand our financial planning needs going forward. We can now consider Kate a friend, and we often call on her for advice on other things besides our investments, for example help with a decision on whether to move house or improve our current home.
Kate is very responsive when we call for help! We can wholeheartedly recommend Kate for advice on all things money and investment.
Just over two years ago, I decided to transfer my pension from the company pension scheme. I contacted a financial adviser called Kate Bailey whom I’d been recommended by other colleagues. An appointment was made where Kate explained the various options and the pros and cons for pension and transfers available.
Kate was professional, knowledgeable and put things in layman terms so we could easily decide. This information I used and transferred my pension. I’ve since recommended Kate to other colleagues who have taken Kate’s advice. Kate has a very friendly and approachable personality and keeps us informed regularly.
Kate has always provides me with exceptional advice regarding my finances over the past eleven years. She keeps me informed and up to date with information I find useful in making decisions regarding my savings.
Whilst so friendly and approachable, Kate is also very reliable and efficient. I wouldn’t think of consulting anyone else.
Kate has helped and advised us with our pension fund for over 5 years. She has always been very professional, friendly and very helpful. We would have no hesitation in recommending her at all and look forward to continuing our relationship.
After 20 plus years of working I contemplated retirement at which point I thought about taking my company pension and transferring it, I made an appointment with Kate and she explained all details in a manner that I would understand the positives and negatives of transfer.
After much deliberation I decided to transfer and it was a smooth effortless task, Kate is always available to discuss things and when asked to do something it's completed in a timely manner.
Our Advice Service
We all have things that are important to us. Even if it’s making sure your current standard of living lasts throughout retirement, it’s important to know where to start. We understand this isn’t always easy. And with so many options to choose from, it can often be difficult to know if you’re doing the right thing.
That’s where our advice service can help you make the most of what you have. We’re qualified in financial planning and advise on a range of carefully selected products from Prudential and other providers – this is known as a restricted advice service. We start by building a relationship with our clients, taking the time to get to know you and understand what’s important to you, so we can deliver advice that’s right for you. We’ll review your finances, understand the current plans you have in place and get a full picture of your financial situation - including what you’re looking to do in the future.
Our advice covers a range of financial areas, including retirement planning, protection, investments and estate planning. When it comes to helping you plan for your retirement, or enjoying it more if you’re already there, we can deliver advice that’s right for you.
And remember, our advice isn’t just for the wealthy. You don't need a large nest egg or lottery win to benefit from financial advice. We can help you with a variety of financial needs and make it as easy as possible for you to get the advice you need.
How we can help you
Following the radical changes to pensions announced by the government in 2015, people approaching retirement now have a much greater level of choice and options available to them. We can advise on a wide range of retirement income solutions to allow you to take advantage of this flexibility.
Prudential is one of the leading providers of retirement income in the UK and we have access to a range of their retirement income solutions. In addition, we can offer advice on conventional annuities from a number of selected annuity providers and pension transfers.
As people are generally living longer, it‘s important to ensure you plan ahead for your retirement. But when it comes to planning your retirement, it's not always easy to know what’s available to you. So if you’re approaching retirement, still have some way to go or have already retired, we can help you.
And you may have a number of pension pots you’re thinking of combining. We can help you find out if combining these is right for you.
When it comes to investing we understand that everyone has different needs and goals. Whether you’re looking to put some money away for a rainy day or simply want to make your money work harder – we can help you.
Our investment proposition offers you access to a carefully selected range of multi-asset funds. We believe a well-diversified fund is more likely to achieve consistent returns. Spreading an investment across different asset types can lead to a more consistent performance. Our multi-asset fund range means we don’t put all your eggs in one basket. We spread your money across a mixture of shares, property, bonds and cash, which helps reduce the risk of losing money.
Our funds meet a wide variety of different needs and attitudes to risk. We offer different types of:
- Passive funds – that invest in a selected range of assets classes. If you’re looking for a lower cost investment.
- Active funds – that invest in a broader range of assets. If you’re looking to benefit from spreading the risk across a fully diverse fund offering.
- Smoothed funds – If you’re looking to benefit from spreading the risk across a fully diverse fund offering and who are worried about the extreme short term peaks and troughs associated with the stock market.
Depending on your needs and goals we can recommend one or a combination of these funds.
Remember, the value of your investment can go down as well as up, so you might not get back the amount you put it.
Life doesn’t always go to plan and we can’t always know what’s round the corner. But we would all like the peace of mind of knowing that we’re prepared for the unexpected.
In the event of death or serious illness, you don’t want your family left with a possible financial burden. We can provide advice on protection cover and solutions from a number of selected providers.
Estate planning may not be something you’ve thought about, but Inheritance Tax (IHT) isn’t just for the wealthy. With property values rising, IHT is affecting more and more people.
We can give you advice on a range of trusts to help reduce the impact of IHT. We'll also guide you through the complexities of estate planning, so that you can pass on as much wealth as possible to your loved ones.
One of the most important aspects of financial planning is finding the right balance between risk and reward in your investment choice.
We’ll work with you to understand what you want from your investments. Knowing where you want to get to, and how much risk you’re comfortable taking, will enable us to recommend a fund (or funds) to suit your individual circumstances.
We have access to other organisations who can advise you on a wide range of additional services, such as legal services, mortgage services and estate administration.
These organisations have been carefully selected to complement and enhance the service we offer.
We’re qualified in financial planning and can advise on a range of carefully selected products from Prudential and other providers – this is known as a restricted advice service. It includes a range of investments and savings, pensions and flexible income (also known as Drawdown) products from Prudential; annuities and protection products from a wide range of selected providers and ISAs and OEIC (Open Ended Investment Company) funds from Standard Life and Link Financial Investments Limited.
Working with you
What to expect from our first meeting
Our first meeting is all about getting to know you, your finances and your goals so we can build a plan that works for you. Whatever stage of life you're at, and whatever your needs, we'll discuss everything with you.
We'll chat about your finances in general and review any pension plans, savings or investments you already have. And then we'll chat about where you’d like to be in five or ten years time.
We'll also discuss how much risk you’d like to take, in order to achieve your goals. By understanding this, we can strike a balance between the risk and reward you’re happy with and build a plan specifically for you.
After our first meeting
We’ll develop a tailored financial plan for you based on our discussions and your individual circumstances. We’ll then provide you with a detailed personal report which explains:
- your current financial circumstances
- a full analysis of your needs
- objectives along with our recommendations on how to meet those needs and objectives
We’ll let you know how much the advice will cost and then it’s up to you to decide what you'd like to do. If you decide you'd like to go ahead we can start putting your plan in place, taking care of all the details. But if you don’t think it’s right for you, that’s as far as we need to take it.
Getting advice doesn't have to be a one-off. If you'd prefer, we can develop a long-term relationship. This means we'll regularly review your plans to make sure they're still on track to achieving your goals, and your family's goals.
If we consider it appropriate, we'll recommend regular financial checks to help ensure your plan remains on track and to address any changes to your circumstances in the future. This is an entirely optional service that comes at a cost. We can discuss the charges with you when we meet.
The importance of ongoing advice
And sometimes changes can have an impact on your financial plans.
Some examples are:
- Changes to your personal circumstances – such as retirement or family changes.
- External changes – such as tax or legislative changes, stock market fluctuations etc.
- Changes to investment options – such as new and better products becoming available or changes to the level of risk you’re willing to take.
The initial advice we give you is based on your current circumstances, as well as any future plans you are aware of at that point in time. However, every financial plan, no matter how carefully structured, can be vulnerable to the effects of change.
By taking the optional Ongoing Advice Service we offer, we can react to changes. Then recommend adjustments to take advantage of new opportunities or try to protect you from additional risks.
Every one of us have our own individual financial concerns, goals and plans for the future. Our advice philosophy is underpinned by a belief in having a deep understanding of your unique requirements. Only through gaining a thorough understanding of what is important to you can we provide sound financial advice. We follow a rigorous advice process to ensure we provide recommendations that are tailored to your needs and requirements.
We will conduct a financial review for you. This involves gathering information and carrying out a review of your current financial situation, as well as discussing any plans for the future that may impact your finances. An important element of the meeting will be an assessment of the level of risk you are comfortable with and your capacity for loss, in order to achieve your goals.
With your consent, we can contact your current financial providers on your behalf to get a full picture of your holdings with them. Using this and all of the information we gathered from the review, we’ll develop a financial plan tailored to your specific situation and needs. We’ll then provide you with a detailed personal report which explains your current financial circumstances, a full analysis of your needs and objectives along with our recommendations on how to meet those needs and objectives.
We'll take you through your personal report, explaining the basis of our advice and recommendations. The rationale for our recommendations will be fully explained and you'll have the opportunity to ask any questions. We'd normally present our recommendations at a second meeting, however this will depend on the complexity of your requirements.
If you’re happy to proceed with the recommendations, we‘ll discuss the appropriate timescales to put everything in place and help set up the plan for you. We aim to minimise the administration and help with any forms you need to complete.
Privacy, Security & Legal Information
‘We’, ‘us’ And ‘our’ means Kate Bailey Financial Planning Limited
The security Of your personal information Is our highest priority. As this Is so important, our website uses an effective encryption system which protects your communications With us And keeps them Private.
We regularly change And update our Privacy And Security Statement. Please check back frequently For any updates.
When you complete a quote request, application form Or enter details On our MyPru portal your personal information Is encrypted Using Secure Sockets Layer (SSL) Version 3 With up To 168 bit encryption keys (depending On your web browser). This encryption stops someone Else reading your personal information While it’s In transit. On the website, you will see a padlock symbol at the bottom Of the screen which confirms you are In a secure area. Your personal information will also be Protected On our internal systems With secure firewalls And other measures To prevent any unauthorised access.
Read more about keeping your information secure whilst online In general.
How we use your personal information
We respect your right To privacy And will process personal information you provide only In accordance With the General Data Protection Regulation (EU Regulation) 2016, the Privacy And Electronic Communications (EC Directive) Regulations 2003 And other applicable privacy laws.
Some Of the Prudential websites collect personal data And you may access these. For information On how your personal data Is collected And processed On these websites please review the relevant ‘Data Protection – How we use your personal information’ link, available separately On Each website, To understand how your personal data could be processed, your personal data rights And how you can exercise them.
This website has also implemented Google Analytics Demographics And Interest Reporting so we can monitor the visits To our site. You can Set preferences For how Google advertises To you Using the Google Ad Preferences page, And If you want To you can opt Out Of interest-based advertising entirely By cookie settings Or permanently Using a browser plugin.
For Prudential International Assurance customers only
Prudential International Assurance ltd, part Of M&G plc, Is required By Irish Revenue To report the following information For Common Reporting Standards purposes If, And When, we’re required To under Irish law. Irish Revenue may transfer this information To the government Of another jurisdiction under an inter-governmental agreement;
Reportable Individual Account Holders - name, address, jurisdiction(s) Of residence, Tax Identification Number(s), Date Of birth, account number, account balance/surrender values
Reportable Entity Account Holders - name, address, jurisdiction(s) Of residence, Tax Identification Number (s), account number, account balance/surrender values
Reportable Controlling Persons Of Passive Non-Financial Entities (PNFE's) - name, address, jurisdiction(s) of residence, Tax Identification Number(s) of the PNFE and the name, address, jurisdiction(s) of residence, Tax Identification Number (s), date of birth of each controlling person, the account number, account balance/surrender values.
Any transfer Of personal information will always be done securely.
For further information In relation To this reporting please visit: www.oecd.org Or www.revenue.ie
Using our website and accepting our terms
Please read this information carefully. By using this website, you confirm that you've understood and agree to be bound by the terms and conditions set out on this page and by our Privacy and Security Statement and our Cookie Notice. If you don't agree to these terms and conditions or our privacy and our Cookie Notice, you must not use this website. You may also want to view our Social Media Terms and Conditions.
This website and the information provided on it are for the use of permanent residents of the United Kingdom only. By using this website, you represent and warrant that you meet these requirements. If you don't meet these requirements, you should not use this website.
Information about us
Kate Bailey Financial Planning Limited is an Appointed Representative of Prudential Financial Planning, which means that Kate Bailey Financial Planning Limited is carrying on certain regulated activities on behalf of Prudential Financial Planning Limited (a firm that is authorised and regulated by the FCA), and that Prudential Financial Planning Limited is responsible for ensuring that Kate Bailey Financial Planning Limited complies with FCA regulations in carrying on these activities. “The Advice Partnership from Prudential” is also a trading name of Prudential Financial Planning.
Wherever the name Prudential is used on our website this refers to one or more of the trading companies of M&G Plc that operate in the UK. For more information about M&G Plc companies, please speak to your adviser.
Prudential Financial Planning Limited is not affiliated in any manner with Prudential Financial, Inc, a company whose principal place of business is in the United States or Prudential plc, an international group incorporated in the United Kingdom.
Pru.co.uk is a website operated by Prudential Distribution Limited. We're registered in Scotland under company number SC212640 and have our registered office at Craigforth, Stirling, FK9 4UE.
Prudential Distribution Limited is authorised and regulated by the Financial Conduct Authority.
Prudential controls and operates this website from England and the information delivered via the website is deemed to have been delivered in England. Prudential makes no representation that the material contained in this website is appropriate or available for use in other locations outside the United Kingdom. By operating this website, Prudential is not soliciting any business from any location outside the United Kingdom.
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This website and any transaction effected through it are governed by English law and the English courts shall have jurisdiction in any legal proceedings.
Nothing contained in this website should be construed as a solicitation, offer or recommendation to buy or sell any investment. By providing the information on this website, Prudential is not determining the suitability of any investment for any investor. Nor does the information on this website constitute investment advice. You should obtain relevant professional advice before making any investment decision.
The material published on this website is provided as a convenience to visitors and should be used for general information purposes only. If you require additional information, you should get in touch by letter, telephone or email.
We reserve the right to change any material on this website without notice.
We may update the terms and conditions set out on this page and in our Privacy and Security Statement and our Cookie Notice from time to time. By continuing to use this website after we make any such updates, you confirm that you've understood and agreed to be bound by them. You should revisit the relevant pages regularly to ensure that you've seen and are aware of the current terms and conditions and the current Privacy and Security Statement and the current Cookie Notice, as they are binding upon you.
Services on the website
We may offer a number of services on Our website for you to use at your convenience. We reserve the right to change, suspend, withdraw or suspend these services from time to time and we will endeavour to give you prior notice where possible but cannot guarantee this. We will not be liable to you if for any reason the services are unavailable at any time or for any period.
You are solely responsible for the use of the services on Our website in accordance with any instructions or information we may provide from time to time and we accept no responsibility for any loss or damage that may arise from your use of them.
Viruses, hacking and other offences
We don't guarantee that our website will be free from bugs, malicious programs or materials or viruses. You're responsible for configuring your information technology, computer programmes and platform in order to access our website. You should use your own virus protection software.
You must not misuse our website by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to our website, the server on which our website is stored or any server, computer or database connected to our website. You must not attack our website via a denial-of-service attack or a distributed denial-of-service attack.
Our liability to you
Nothing in these terms and conditions excludes or limits our liability for:
- death or personal injury as a result of our negligence; or
- fraud or fraudulent misrepresentation.
We exclude all other conditions, warranties, representations or other terms which may apply to our website or any content on it, whether express or implied.
We won't be liable to you for any loss or damage (even if foreseeable) arising under or in connection with:
- use of, or inability to use, our website;
- use of or reliance on any content displayed on our website; or
- viruses, distributed denial-of-service attack, or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of our website or to your downloading of any content on it, or on any website linked to it.
We accept no liability for the information contained on any third-party websites linked to on our website and we won't be liable for any loss or damage that may arise from your use of them.
Where our website contains links to other websites and resources provided by third parties, these links are provided for your information only. We have no control over the contents of those sites or resources, we accept no responsibility for them and you shouldn’t take our providing these links as an endorsement or guarantee by us of the websites or the information on them.
You must not link our website in any other website without our permission.
Intellectual Property Rights
The Prudential name and logo are our registered trademarks. We own or license of all copyright in our website, as well as the content, trademarks or other material published on it.
Unless specifically prohibited by a notice on any page, you may print or download individual sections of our website for your own personal information and use only, provided that you retain all copyright and other proprietary notices.
You must not use, extract or reproduce our trademarks or any content from our website for commercial purposes without first obtaining the written consent of Prudential or any party which licenses any content to us.
How to complain if you're not happy about a product or service
We aim to provide excellent products and service at all times. If you feel you have cause to complain about a product or service we have provided to you, please get in touch by letter, telephone or email. One of our customer service agents will deal with your complaint and will try to provide a quick and satisfactory conclusion for you.
So that we can try to resolve your complaint, please provide us with the following information when you get in touch:
- Your full name and address (including your policy number(s) if relevant)
- Full details of your complaint
- Any information you consider to be relevant to your complaint
Please see the make a complaint page for further information about our internal complaints procedure.
Financial Ombudsman Service (FOS)
In the event that certain types of complaint you make against us remain unresolved after they've been through our internal complaints procedure, you may refer your complaint to the FOS. The FOS is an independent body that handles disputes between businesses providing financial services and their customers.
You can contact FOS at:
The Financial Ombudsman Service, Exchange Tower, London, E14 9SR, United Kingdom
Phone: 0800 0234 567 or 0300 123 9123
Please see the make a complaint page for further information about referring a complaint to the FOS.
If any part of these terms and conditions or our Privacy and Security Statement or our Cookie Notice is found to be invalid, unenforceable or unlawful by any court of competent jurisdiction, such part shall to that extent be severed from the remaining provisions all of which shall remain in full force and effect as permitted by law.
Failure by us to exercise any right or remedy under these terms and conditions or our Privacy and Security Statement or our Cookie Notice shall not constitute a waiver of that right or remedy, and shall not prevent us from exercising that right or remedy at any time in the future.
These terms and conditions, our Privacy and Security Statement and our Cookie Notice are governed by English law and in the event of a dispute you agree that the courts of England and Wales will have non-exclusive jurisdiction.