Prospect Tree Financial Services Ltd

Independent Financial Adviser  10 Chestnut Avenue, West wickham, Greater london, BR4 9ES
First meeting at adviser's own cost
Protecting Your Future's. We are Independent in the truest sense and put you at the heart of the advice.
We can advise you on
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Annuity purchase
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Auto enrolment
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Pension consolidation
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Pension drawdown
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Pensions & divorce
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Pensions & retirement planning
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Pensions review
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Pensions transfer
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SIPPs
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Stakeholder
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Wealth management
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Ethical investments
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ISA / Unit Trusts / OEICs
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Investing for income
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Investment trusts
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OEICs
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Offshore investments
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Socially responsible investments
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Traded endowment policies
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Unit trusts
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Lump sum
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National savings
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Regular savings
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Savings for children
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School fees planning
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Estate planning
Response rating
9.0/10
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FCA authorised
Last authorised 18th May 2020
Meet our advisers
Nick Green
Mortgage Adviser

This qualification assesses a knowledge and understanding of the UK regulation environment in the financial services industry, mortgage products, repayment options and the giving of mortgage advice.

Ian Butt
Mortgage Adviser
Dean Barham
Independent Financial Adviser

This qualification assesses a knowledge and understanding of the UK regulation environment in the financial services industry, mortgage products, repayment options and the giving of mortgage advice.

The Diploma enhances knowledge in core areas such as regulation, investment principles, risk, taxation and personal financial planning using real-life scenarios to develop the essential skills to apply this technical knowledge in practice

Michael Read
Independent Financial Adviser

This examination assesses a knowledge and understanding of the various pension products, the pension tax regime and retirement needs.

The Diploma enhances knowledge in core areas such as regulation, investment principles, risk, taxation and personal financial planning using real-life scenarios to develop the essential skills to apply this technical knowledge in practice

At the end of this unit, candidates should be able to demonstrate an understanding of the: main tax and legal frameworks that govern the accumulation phase of building up retirement benefits under registered pension schemes; features of defined contribution and defined benefit pensions; choices faced by early leavers and use of transfer value analysis; State retirement benefits available, including the risks and suitability of contracting out of the State Second Pension.

This examination assesses a knowledge and understanding of financial protection plans.

What our clients say
I would like to thank him [Dean Barham] and his professional approach, putting us at ease giving us good advice on how to invest our savings. The service provided was quick and pain free clear and precise on all details including the payment structure, this is quite refreshing as our last IFA all the costs were hidden, so we never knew how much of an affect his costing was making to our long term investment plan.
A M Russell, Croydon
We have used Dean Barham of The Prospect Tree to access and plan our mortgage, life insurance and pension provisions. I am delighted to say that Dean accepted at all times that we needed to work to slightly constrained budgets and helped us to place all our requirements accordingly. All products were explained and paper work was efficiently processed.
L & M Nelligan, Surrey
I was looking into starting a stock and share ISA account but didn't know enough about them, and after talking to Dean about the matter he researched a perfect account for what I was looking for.
J Rostant, Beckenham
Michael is very responsive to queries and follows through with suggestions of available options. If need be he is always prepared to meet and discuss to ensure that there is no misunderstanding. A reliable chap!
Jo Attard, Richmond
Michael Read has responded to any queries,requests for information in an efficient, informed and timely way. He has a natural humility and empathy with me which keeps me at ease in our meetings together.
D Beales, West Wickham
About us

Prospect Tree aims to be able to provide advice in all areas of financial planning but mainly specialize in helping clients utilise their pension freedoms and investment advice.

The changes of April 2015 represented a complete shake-up of the UK’s pensions system, giving people much more control over their pension savings than before. We specialise in helping people with their pensions and have advised numerous clients on transferring their pensions to more flexible arrangements from both personal pensions and defined benefit schemes.


There are a bewildering range of savings and investment vehicles available to the investor. The right investment portfolio should reflect your tax position and align with your attitude to risk.

Wealth creation and management is an ongoing process and we recommend that you review your financial circumstances on a regular basis, typically annually, to ensure the best chance of your objectives being met.

We have advisers based in London, Surrey & Kent and offer a transparent & flexible fee structure to suit all clients. We have close links with other industry professionals

Our services

We excel at providing a tailored service to individuals and have suitable expertise in every field including Investments, Pensions and Protection.

Where to find us
Head office address: 10 Chestnut Avenue, West Wickham, Bromley, Kent, BR4 9ES
Preferred clients
Minimum wealth (income/assets)
£100,000
Minimum pension value
£100,000
Minimum mortgage value
£0
Advice methods
  • phoneButton
    Telephone
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    Face to face
Response rating
9.0/10
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FCA authorised
Last authorised 18th May 2020

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