ABOUT US

We're here to give you clarity. Not just a product.

Most people come to a financial adviser feeling overwhelmed - too many options, not enough time, and no clear sense of whether they're on track. At Willow Tree, we do things differently. We start with your life. Your goals. What you actually want your future to look like. Then we build a plan around that. No jargon. No pressure. Just honest, personalised advice from people who genuinely care.
Book a ConversationMeet the team
Rachael speaking with a client
WHY WILLOW TREE
We started with something to prove.

Willow Tree was founded by Rachael Panteney in 2015 - driven by one belief that she couldn't shake:

"Financial advice isn't just for the wealthy. Everyone deserves clarity about their money."

After years working in banking and financial services, Rachael saw the same pattern again and again. Firms starting with products. Banks offering limited, self-serving solutions. Clients left confused, overwhelmed, and unsure who to trust.

So she built something different.

A firm where the plan always comes first. Where advice is built around your life - not a commission structure. And where every client, whatever their situation, is treated with the same care and attention.

THE WILLOW TREE WAY
Strong roots. A solid trunk. Growing branches.
The willow tree is a symbol of balance, stability, and growth. It bends - but it doesn't break. That's exactly how we think about financial planning. Every recommendation we make flows from your plan. Not from a product we want to sell you.
Strong Roots.
Stability
Before anything else, we make sure the foundations are solid. Income protection, emergency funds, financial resilience. The things that keep you standing when life gets difficult.
The Trunk.
Core Protection
Life insurance, critical illness cover, wills and estate planning. The structure that protects everything you've built and the people you care about.
The Branches.
Growth & Lifestyle
Retirement planning, investments, mortgage strategy, gifting and legacy. Building towards the future you actually want.
HOW WE WORK: THE PROCESS
Five simple steps to a plan that fits your life
01
Getting to know you

We start with a conversation - not a form. We want to understand your life, your goals, and what's keeping you up at night.

02
Gathering information

We take a thorough look at where you are right now - your income, assets, existing policies, and any gaps.

03
Planning

We build your personalised financial plan - clear, jargon-free, and built around what matters to you.

04
Implementation

We put the plan into action. You can do this yourself or let us handle it - most clients ask us to do it for them.

05
Ongoing reviews

Life changes. Your plan should too. We check in regularly to make sure everything stays on track.

Rachael walking with her son
ABOUT RACHAEL
A bit about me.

Hello - I'm Rachael, founder of Willow Tree Financial Services.

I've worked in banking and financial services since 1998. I qualified as a mortgage adviser in 2005 and as a financial adviser in 2012. In 2015, I decided to go it alone - and I haven't looked back.

My reason for starting Willow Tree was simple. I was tired of seeing people turned away, overlooked, or sold products that didn't serve them. I believed - and still believe - that everyone deserves clear, honest financial advice. Not just those with significant wealth.

So I built a business around that. One where the client always comes first. Where we start with your life, not your money. And where no question is ever too small.

Outside of work, life is wonderfully full. I grew up in Eastbourne and have always lived in East Sussex - the sea genuinely soothes my soul. I spend as much time as I can outdoors with my husband, our son, and Willow, our Weimaraner (who, yes, is the inspiration for the name).

I'm also passionate about supporting women in our community - something I'm proud to put into practice.

Come and have a conversation

Ready to find out what's possible?

Whether you're just starting to think about your finances, or you've been putting it off for years - we'd love to hear from you.
No pressure. No jargon. Just a conversation.

Book a free inital consultation
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