Our People

Our people are very important to us, as is making certain we provide you with the best possible professional financial advice. Below is a short biography for each of our colleagues together with their contact telephone number. For further contact details please see our "Contact Us" page.


Fred Binstead, Director
Tel. 01225 314999
Email. fbcityfinancialplanning.co.uk
Fred has over 40 years experience in the Financial Services industry with 20 years at the Sun Alliances Head Office pensions department, where his specialised experience in all aspects of pension schemes was gained. As a senior manager, he led and supported the development of corporate pension and other group employee benefits schemes. His role developed further with the merger between the Sun Alliance and the Royal.

In 1999 Fred joined City Financial Planning in a similar role. As the pensions market has continued to evolve his expertise is also now used to provide specialist one to one pensions advice to clients. He continues to provide corporate financial planning advice to businesses and business owners.

Areas of Expertise: Pensions Legislation, Corporate Pensions, Employee Benefits,Self Invested Pension Schemes, Pension Transfers, Post Retirement Planning and Business Protection
Sandra Bishop, General Manager and Director
Tel. 01225 314999
Email. sandracfpbath.co.uk
Sandra has been in financial services for over 20 years, working with both NatWest & Aviva managing teams of financial advisers. Having been successful in her roles within the corporate sector, she joined City Financial Planning in 2002, and since became a Director in the Company. Her role at City is a combination of supervision, business development and advising clients. Sandra enjoys meeting and working with people, and prides herself in having an open and friendly approach, believing one of the most important aspects of her role is trust.

Sandra is able to advise in all areas of financial planning, including mortgages, protection, equity release, investments, pensions and long term care. Having achieved her Chartered Insurance Institute (CII) Diploma in Financial Planning, Sandra is now working towards her Chartered status, the premier title for the professional financial adviser.

In her personal life, Sandra is married to Paul and has two step children Josh & Harry; she enjoys keeping fit, travelling, skiing, cooking, theatre and generally socialising with friends & family. Her philosophy is you only get one chance at life, so enjoy it!!!
Kypros Harrison DipPFS, Director and Financial Planner
Tel. 01225 314999
Mobile. 07971 007304
Email. kypcfpbath.co.uk
Kypros joined City Financial Planning as a Director in January 2000. He advises clients with regard to Long Term Care Planning, Inheritance Tax Planning, pre and post retirement needs with regard to bespoke pensions, investment and holistic financial planning needs, as well as providing corporate financial advice to a wide range of companies. Kypros has much experience of working closely with tax consultants, accountants and solicitors advising their private and commercial clients. Having worked in various areas of the financial services industry since the early 1990's Kypros spends much of his time in the South West and London. Kypros is a member of the Personal Finance Society and is currently working towards the Chartered qualification with the Chartered Insurance Institute.

Kypros is an equity owning Director of City Financial Planning and takes IT responsibility for the City Group of companies.

Kypros in his spare time trains as a Biathlete and Triathlete, competing for GB internationally as well as supporting his family, Sue and Emily, in their various sporting pursuits. Kypros is also qualified as a swimming official for both pool and open-water at a local, national and international level including IPC World Champs and Special Olympics.

Gary Pimm DipPFS, Director
Tel. 01225 314999
Email. garycfpbath.co.uk
Gary has over 25 years experience in financial services, working in consulting and management roles for a number of high-profile companies.

In 2000, Gary joined City Financial Planning as a Director, and has since been instrumental in building the team in Bath and the City Financial Planning (Exeter) in Exeter. He is an equity-owning Director taking operational responsibility for sales and marketing of both companies.

With extensive experience, Gary advises on a wide range of both domestic and corporate financial planning, and works closely with other professionals such as solicitors and accountants. His expertise includes: wealth management and investment portfolio planning; domestic and commercial mortgage advice; personal and corporate tax planning; domestic and corporate pension planning; estate planning and trusts; family protection; and personal injury compensation cases including Trust planning.

Gary is married with two grown-up sons. He enjoys boating, jet-skiing, travelling, gardening and is a big Formula 1 fan.
Tim Quirke DipPFS, Director
Tel. 01225 314999
Email. Timcfpbath.co.uk
Tim has over 30 years Financial Services experience starting with Prudential where during his 20 year career he enjoyed a variety of roles in retail distribution including the launch of Egg the internet Bank . He later joined a London based consultancy where he managed projects and opened new opportunities in Poland that included the design of training and client relationship strategy. Tim joined City Financial Planning in 2001 where he offers full financial planning advice working in conjunction with his clients.

Tim is an equity owning Director of City Financial Planning and takes operational responsibility for finance and personnel.

Tim is married with an adult daughter; he enjoys walking reading and music which he states he is more successful at listening to than playing.
Jim Boyd, Mortgage and Protection adviser
Tel. 01225 314999
Email. jbcityfinancialplanning.co.uk
Jim has been in the financial services sector for over 40 years, working for a number of advisory firms, before coming to City Financial Planning in 2012.
Jim specialises in mortgage and protection advice and has a large, loyal client base.
Mark Brill, Financial Planner
Tel. 01225 314999
Email. mbcityfinancialplanning.co.uk
Mark has over 25 years’ experience working in financial services. Mark started his career in the insurance industry and then joined the financial planning services in 1988. During his career he has worked with some of the UK’s most high profile insurance companies, including Aviva and Royal & Sun Alliance. In 2005, Mark chose to join City Financial Planning Limited, bringing his wealth of experience with him. Mark is very much a people person, always taking interest in their aims and ambitions and trying to help facilitate these through financial planning.
Mark has his own satellite office in rural Gloucestershire and is married with two children.
Mark became President of the Cheltenham and Gloucester Insurance Institute in 2016. The Institute’s ethos is the professional development and training within the insurance and financial services professions for the benefit of customer care.
Mark is a committee member and former secretary of his local parish hall. He also supports his community by sponsoring his local village cricket team.
In his spare time he reads history, plays football and supports his local Rugby team.
John Davies ACII DipPFS, Financial Planner
Tel. 01225 314999
Email. jdacityfinancialplanning.co.uk
John joined City Financial Planning Ltd in 2004 as a Senior Financial Consultant. He offers a full financial planning service for individual clients and also has a specialist role in retirement planning for both individuals and companies. He has worked in the insurance industry since 1975 originally in the City of London with a Lloyds broking firm. In 1988 he moved into Financial Services and relocated to the country to bring up his daughters in a rural environment. With over 25 years in financial services he brings a wealth of experience to his dealings with clients. His family has grown up and he now enjoys some extra spare time playing golf and badminton, becoming a level 1 badminton coach in 2011.
Nigel Lewins DipPFS, Financial Planner
Tel. 01225 314999
Email. nlcityfinancialplanning.co.uk
Nigel was born in Lincolnshire and had a variety of employments from senior management roles in the business sector as well as the civil service before entering the Financial Services sector. He moved to the Bath area 30 years ago.

Nigel has been in the Financial Services Industry for 23 years, and holds qualifications in Financial Planning, Cemap mortgage advice, G60 Pensions*, Chartered Institute of Insurers Savings and Investment advice, and Diploma in Financial Services. Nigel is also a member of Personal Finance Society, Nigel is continuing to study for his Chartered qualification at the Chartered Insurance Institute.

Nigel specialises in looking after private clients and works in conjunction with accountants and solicitors providing holistic financial planning, He specialises in investment planning and pension provision.

Nigel is married, with two daughters and can be found honing his skills on the golf course at weekends, as well as having a keen interest in history and the arts.

* G60 Equivalent course from the IFS
Julian Oakey DipPfs ACIB, Financial Planner
Tel. 01225 314999
Email. jeocityfinancialplanning.co.uk
Julian joined City Financial Planning following redundancy from the Royal Bank of Scotland in early 2013. He works in Farnham Surrey, but is in regular daily contact with the office in Bath.
Julian has worked in finance since 1975; he has a good working knowledge of finance, mostly with individuals and small to medium size family businesses. With 25 years of his time with NatWest spent in Life and Pensions. He has specialised in retirement planning, particularly around the new Workplace pension and those at the point of retirement.
Julian has completed the Diploma qualification, and would like to go on to Chartered status.
Julian is married to Pippa; they have three grown up boys, Jamie, Daniel and Andrew. Julian enjoys growing fruit and vegetables on his allotment. When time permits Julian likes to go sailing.
Gary Player, Financial Planner
Tel. 01225 314999
Email. gplcityfinancialplanning.co.uk
Gary has over 15 years’ experience in financial services, remaining loyal to firms in the South West, and building a successful local client base in the area.
Gary advises on all areas of financial planning, with a focus on investments and pensions.
Gary is married to Jan, with two daughters and are proud grandparents to four grandchildren. In any free time from the office, Gary enjoys taking cruise holidays around the world.
Sarah Robins BA (Hons) APFS Certs CII (MP & ER), Chartered Financial Planner
Tel. 01225 314999
Email. srcityfinancialplanning.co.uk
Sarah joined City Financial Planning as a Financial Consultant in 2003 and has worked as a Financial Consultant for over 13 years. Sarah advises private and corporate clients on all areas of financial planning and specialises in retirement and investment planning.

After gaining a 2:1 in Economics from Nottingham University Sarah moved to Bristol and worked as an accountant for Deloitte for a couple of years before deciding to move into the Financial Services industry. Sarah is a member of the Personal Finance Society and has The Chartered Insurance Institute (CII) Advanced Diploma in Financial Planning. She has also recently been awarded the prestigious Chartered Financial Planner qualification by the CII, which is the gold standard qualification available for professional financial advisers in the UK.

Outside of work Sarah enjoys spending time with her husband, Alex, and their young son, Matthew. She particularly enjoys walking, cycling, skiing, tennis, music and travelling. She enjoyed playing hockey for many years but is currently resigned to taking Matthew to football matches and watching Alex play hockey, at weekends. She also enjoys watching many types of sports both live and on TV. She supports Spurs, having originally come from London, (unfortunately outnumbered by Liverpool supporters at home) and the Bath rugby team, having lived in Bath for much of her childhood.
Peter Ruff, Financial Planner
Tel. 01225 314999
Email. prcityfinancialplanning.co.uk
Peter has nearly 20 years’ experience in financial services, having worked for advisory firms including Pearl Assurance, Chantry Associates, part of Countrywide Independent Advisers and Shape Financial. Peter has brought to City a tremendous amount of experience and a loyal client base.
Peter specialises in all areas of financial planning, especially pensions, investments, wealth planning and advising clients into retirement.
Peter is married with two children, two step children and two grandchildren.
Alex Veale, Financial Planner
Tel. 01225 314999
Email. alex.vealecityfinancialplanning.co.uk
Alex joined City Financial Planning as a trainee in 2011, after leaving the University of Reading with a 2:1 Bachelor’s degree in Business Economics.
During his time at City Financial Planning, Alex has committed to the role and his training, qualifying as an independent financial planner in 2015.
Alex is qualified to advise on all areas of financial planning, specialising in mortgages and protection matters.
Alan Willey, Financial Planner
Tel. 01225 314999
Email. Alancfpbath.co.uk
Alan has 42 years’ experience in financial services, with his initial 23 years working with Lloyds Bank before qualifying as a financial adviser in 1997. Alan covers all areas of financial planning but specialises in pensions.
Alan is married to Carol who also works in financial services. They have 3 adult sons, 3 adult daughters and two grandsons.
Alan has always been a keen follower and participant in most sports although very little of that is active now!
Chris Davies, Financial Planner
Tel. 01225 314999
Email. chriscfpbath.co.uk
Chris graduated from University with a 2:1 in Economics and Business. Since then he has built 12 years’ of Financial Services experience across London and the South West.
Chris has worked at large Insurance companies in Sales and Management roles, specialising in the development, distribution and sales of innovative Pension and Retirement Solutions.
This experience, coupled with his Advanced Pension qualifications, saw Chris want to utilise his technical knowledge and passion for pensions in advising clients and so he joined City Financial Planning in October 2017.
Chris is available for Mortgage, Protection and Investment advice and holds the specialism to advise on any Pension and Retirement enquiry as a Pension Transfer Specialist.
Away from work Chris is kept busy by his young family, taxiing his 3 children to/from their various sporting pursuits. He is still trying to play football, though is now, finally realising he may never get an England call-up……
Tony Oaten, Financial Planner
Tel. 01225 314999
Email. tonycfpbath.co.uk
Tony has over 28 years in Financial Services, starting his career at Prudential working in consulting and management roles for a number of high profile companies.

In May 2017 Tony Joined City Financial bringing his wealth of experience with him; he offers full Financial Planning to his loyal client base mainly based in and around the Bristol and Bath area.

Tony specialises in Wealth Management, Inheritance Tax Planning and Retirement Planning. Tony aims is to bring the potential benefits of advice to all clients, communicating in an open and honest way with a very relaxed manner, ensuring the key points are fully understood, then regularly stays in contact to ensure plans stay on track for the original objectives.
Tony is married with 2 grown up children. He enjoys walking and cycling and regular holidays.

Personal Finance

Britain's markets and pensions regulators on Thursday launched a joint strategy aimed at improving pensions outcomes for savers, amid concern that many people are entering retirement without enough income.
British inflation fell more than expected in September to a three-month low, offering some relief to consumers who have been squeezed financially since the Brexit vote.
British pay growth is struggling to exceed 3 percent and policymakers should not over-react to a recent improvement, Bank of England Deputy Governor Jon Cunliffe said on Wednesday, striking a more cautious tone than some of fellow policymakers.
The basic wages of workers in Britain rose at their fastest pace in nearly a decade over the summer months, backing up the Bank of England's view that a long period of weak pay increases is ending.
British taxes would need to rise to their highest since just after World War Two to sustainably meet Prime Minister Theresa May's goal of ending the austerity squeeze on public services, a think tank said ahead of her government's annual budget.