Prospect Tree Financial Services Ltd

Independent Financial Adviser  50 Freathy Lane, Boughton aluph, Kent, TN25 4QR
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
check
Annuity purchase
check
Pension consolidation
check
Pension drawdown
check
Pensions & divorce
check
Pensions & retirement planning
check
Pensions review
check
Pensions transfer
check
SIPPs
check
Stakeholder
check
Wealth management
check
Ethical investments
check
ISA / Unit Trusts / OEICs
check
Investing for income
check
Investment trusts
check
OEICs
check
Offshore investments
check
Socially responsible investments
check
Traded endowment policies
check
Unit trusts
check
Lump sum
check
National savings
check
Regular savings
check
Savings for children
check
School fees planning
check
Critical illness
check
Income protection insurance
check
Life insurance
check
Estate planning
Response rating
9.0/10
check
FCA authorised
Last authorised 29th June 2020
Meet our advisers
Michael Read
Indepedent 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.

Dean Barham
IFA

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.

This qualification assesses a knowledge and understanding of the financial services industry including: regulation and ethics, personal taxation, investment principles and risk, pensions and retirement planning, financial protection

What our clients say
I could not persuade my private pension companies to allow me to have my 25% cash without choosing what I wanted to do with the rest of the pension. I spoke to them constantly but could not understand what they were telling me and which of the companies to move all the pension to so I could benefit from a regular pension. Mike explained what the different pensions were and what would suit me. He then run some calculations on the different companies I could go with and showed me the print out so he could go through it with me so I could make the right choice. I am now set up with a monthly amount which suits my lifestyle and I am very happy with the final result. If required I can change the monthly amount to a higher or lower amount myself. I am happy and stress free and grateful for the good advice which I could understand. I found Mike pleasant, easy to talk to and always on time for appointments. I think he did a good job and would recommend him.
Josie Mitson, Deal, Kent
I retired last year and needed help and advise regarding my pension. With the number of options now available Michael was very good at explaining what each meant and how draw down works. He also contacted a provider, sorted all of the paper work and arranged my pension, he proved to be invaluable. I am happy with his recommendations and pension arrangements plus I do feel that I am in control of my pension, with the aid of Michael. Due to the technicalities of my pension pot (company group pension) and that the new rules on pensions had just come into force it seemed that the pension providers were still trying to understand all the intricacies, this meant that they were a little slow in providing the pension I was after.
Nicholas Bayley, Ashford
What were the circumstances that caused you to look for a Financial adviser? We had some money we were looking to take an income from and needed to find the right solution for us. How did Michael help you? Mike found the right way for us to achieve our goals in the best way. Have you seen the outcome you were hoping for? We have been receiving an income from the money we invested for over a year now an have actually increased the capital as well so very happy with how it is going. What could they have done better? Nothing Mike made it very easy for us to get through the whole process.
Nicholas Daynes, Aldington, Ashford
What were the circumstances that caused you to look for a Financial adviser? I wanted to review a number of pensions and consolidate them where possible. How did Michael Read help you? Michael was able to quickly understand my requirements and produce solutions that suited what I wanted to achieve. Have you seen the outcome you were hoping for? Yes, pensions are consolidated and in a new product which is working very well for me. What could they have done better? At this stage, there isn't anything I think that I think could have been done better.
Andy Littlechild, Eltham, London
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…
MIchael Nelligan, Leatherhead
Thank you for your very professional and superb services. New Era Scaffolding Ltd is a newly incorporated company formed of 3 shareholders, Dean Barham has organised director share protection, this protects the company and the shareholders should anything happen to them the insurance will cover their stake of their shares. Dean also helped me on a personal financial matter, 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 all free of charge. Nick Green from Prospect Tree has also been a great help to Richard and Ezra with his mortgage advice and competitive rates. We highly recommend and appreciate Prospect Tree Financial Services Ltd
Ezra Curran, Beckenham
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.

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 such as Accountants and Solicitors.

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: 50 Freathy Lane, Kennington, Kent, Ashford, TN25 4QR
Preferred clients
Minimum wealth (income/assets)
£100,000
Minimum pension value
£100,000
Minimum mortgage value
£0
Advice methods
  • phoneButton
    Telephone
  • icons
    Face to face
Compliance

Prospect Tree Financial Services Ltd is an appointed representative of TenetConnect Services Ltd, which is authorised and regulated by the Financial Conduct Authority. TenetConnect Services Ltd is entered on the Financial Services Register (<url hidden>) under reference 150643.
Prospect Tree Financial Services Ltd is Registered in England and Wales under reference <phone number hidden>.

Response rating
9.0/10
check
FCA authorised
Last authorised 29th June 2020

Similar advisers near you

Independent Financial Adviser 0.4 mi
"I found Louise to be a warm,friendly and genuinely attentive person who showed complete interest in me and my requirements"
 
Independent Financial Adviser 1.7 mi
You will be in very safe hands with our friendly, highly qualified, experienced Advisers who are here to help you...
 
Independent Financial Adviser 2.8 mi
Taking the complexity out of financial planning.
 
Independent Financial Adviser 2.83 mi
We are still available to help you with your enquiries during these unprecedented times due to the Coronavirus outbreak. We can hold meetings remotely via Skype or Zoom & all paperwork can be emailed or scanned over. We are friendly, approachable advisers offering sound financial advice. We will provide you with advice in plain English that you can understand