Rachael Panteney
Willow Tree Financial Services
Minimum savings/pensions: Over £50,000
Minimum mortgage: Over £100,000
0330 038 8942
Based in Polegate
View locationTop Rated 2025
Top Rated advisers have met the qualification criteria for VouchedFor's Top Rated Guide, as determined by their client feedback
Verified since: May, 2022
4.9 out of 5
Checks carried out by VouchedFor
FCA Regulated
Rachael and/or the firm they work for (or are appointed representatives of) is regulated as appropriate by the Financial Conduct Authority
Last checked: 01 April 2025
Rachael and/or the firm they work for (or are appointed representatives of) is regulated as appropriate by the Financial Conduct Authority
10
Recent Client Reviews
Rachael has received 10 client reviews in the past 12 months; 100% of these have been verified
Verified reviews: 100%
Rachael has received 10 client reviews in the past 12 months; 100% of these have been verified
Restricted Financial Adviser
When choosing products or providers, restricted advisers have a limited selection which they can choose from. They may consider products from some, but not all, providers.
Last checked: 21 November 2024
When choosing products or providers, restricted advisers have a limited selection which they can choose from. They may consider products from some, but not all, providers.
3
Qualifications Uploaded
Rachael has added their qualifications to their profile. You can see them by clicking on the ‘qualifications’ tab below
3 qualification certificates available to view
Rachael has added their qualifications to their profile. You can see them by clicking on the ‘qualifications’ tab below
Transparent Fees
Rachael has added their fees to their profile. You can see them by clicking on the ‘fees’ tab below
Rachael has provided information on their typical fees
Rachael has added their fees to their profile. You can see them by clicking on the ‘fees’ tab below
19
Positive First Impressions
100% of VouchedFor users have had a positive (4 or 5 star) first experience with Rachael (based on 19 first impressions)
100% of users who are not yet clients had a positive first experience with Rachael
100% of VouchedFor users have had a positive (4 or 5 star) first experience with Rachael (based on 19 first impressions)
Checks carried out by VouchedFor
FCA Regulated
Rachael and/or the firm they work for (or are appointed representatives of) is regulated as appropriate by the Financial Conduct Authority
Last checked: 01 April 2025
Rachael and/or the firm they work for (or are appointed representatives of) is regulated as appropriate by the Financial Conduct Authority
10
Recent Client Reviews
Rachael has received 10 client reviews in the past 12 months; 100% of these have been verified
Verified reviews: 100%
Rachael has received 10 client reviews in the past 12 months; 100% of these have been verified
Restricted Financial Adviser
When choosing products or providers, restricted advisers have a limited selection which they can choose from. They may consider products from some, but not all, providers.
Last checked: 21 November 2024
When choosing products or providers, restricted advisers have a limited selection which they can choose from. They may consider products from some, but not all, providers.
3
Qualifications Uploaded
Rachael has added their qualifications to their profile. You can see them by clicking on the ‘qualifications’ tab below
3 qualification certificates available to view
Rachael has added their qualifications to their profile. You can see them by clicking on the ‘qualifications’ tab below
Transparent Fees
Rachael has added their fees to their profile. You can see them by clicking on the ‘fees’ tab below
Rachael has provided information on their typical fees
Rachael has added their fees to their profile. You can see them by clicking on the ‘fees’ tab below
19
Positive First Impressions
100% of VouchedFor users have had a positive (4 or 5 star) first experience with Rachael (based on 19 first impressions)
100% of users who are not yet clients had a positive first experience with Rachael
100% of VouchedFor users have had a positive (4 or 5 star) first experience with Rachael (based on 19 first impressions)
Hello, my name is Rachael Panteney and I am the founder of Willow Tree Financial Services. I am a financial adviser offering expert financial planning. I founded Willow Tree Financial Services in 2015, having worked in the banking and financial sector since 1998. I qualified as a mortgage adviser (CeMAP) in 2005 and as a financial adviser (DipFA) in 2013. I offer reliable financial advice that is accessible to everyone; from mortgages to pensions, and everything in between. In addition to my personalised approach to the job, I am completely transparent about our fees from the outset. Which means not only can you be confident that all recommendations are being made solely on the basis of your individual circumstances, but you can also rest assured that there will be no hidden or last-minute charges. Your home or other property may be repossessed if you do not keep up repayments on your mortgage. The value of investments and the income they produce can fall as well as rise. You may get back less than you invested. Inheritance Tax planning Is not regulated by the Financial Conduct Authority.
Offers available through VouchedFor
Contact Rachael through VouchedFor and your initial 30 minute meeting or phone call will be free of charge. You can use this to discuss your situation and find out whether you feel they are a good match for you.
£430,000 Consumer Protection
Your money is protected against bad advice by the Financial Ombudsman Service up to a maximum limit of £430k and by the Financial Services Compensation Scheme (FSCS) if the company goes out of business (in which case, limits may vary - see the FSCS website for more details).
About Rachael's clients
Based on responses provided by clients who have reviewed this adviser
Clients' level of financial expertise
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Adviser Disclaimer
Willow Tree Financial Services is a trading style of Rachael Panteney who is an appointed representative of Quilter Financial Services Limited and Quilter Mortgage Planning Limited, who are authorised and regulated by the Financial Conduct Authority.