A peaceful lakeside scene with a leafless tree close to the water, a bench on the grass, and a distant bridge under a cloudy sky at sunset. Dalgety Bay.

Welcome to Bay Financial Planning

Independent financial advice to help bring clarity, confidence, and purpose to your financial journey so you can live your life, unburdened by money worries.

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A close-up photo of a woman with long, wavy, blonde hair, fair skin, and blue eyes, smiling slightly, wearing a black top, standing against a plain white background. Photo of Sarah Miller Financial Adviser

Holistic Financial Planning

At Bay Financial Planning, we partner with you to:

  • uncover what truly matters

  • map out your goals (retirement, family, legacy, freedom)

  • design financial strategies that align with your values

  • provide ongoing support, review and adaptation

We believe financial planning should empower you to focus on living, not worrying.

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Lifestyle Financial Planning starts with you, your values, hopes, and the kind of life you want to live. It’s not about chasing the biggest return or predicting every market turn. It’s about understanding what matters most, then designing your finances to support that vision. By bringing your goals and your money into harmony, you can make confident decisions and enjoy a greater sense of control, clarity, and freedom.

At Bay Financial Planning, we use Lifestyle Financial Planning to help you see your finances not as a collection of products, but as a living plan that evolves with you. Whether that means retiring early, travelling more, supporting family, or simply finding balance, our approach turns financial planning into a personal journey, one where the destination is a life well lived.

A person standing in a mountain valley facing a misty horizon during sunrise or sunset, with a green and white logo in the upper right corner for Bay Financial Planning.

What Our Clients Say

  • "Sarah has put me at ease with her professional, friendly and knowledgeable advice, I totally trust her as a person and knew I was in good hands. She explains all the jargon in a manner that I understand, I can say with confidence, she has adjusted my Finances/Pension that is tailored to my future and I feel much more secure having sought her as my advisor."

    Ms M - Fife - Nov 2024

  • "Sarah reviewed my current financial position and created a plan for short, medium and long term investments. Sarah also provided advise with regards to various pensions I held/inherited and was a huge help to me. This allowed me to see what my future financial position could be like. I also know that Sarah is always contactable if I have any questions or concerns going forward."

    Mrs D - Fife - Oct 2025

  • "Straightaway, she put me at ease to explain my situation, taking time to get to know my circumstances & what I was hoping to achieve. A plan was put in place & actioned promptly & I look forward to seeing how things progress."

    Ms B - Fife - May 25

  • "Sarah is great, she's proactive and doesn't take you for granted. Very personable and gets on well with people, you trust her."

    Mr M - West Lothian - April 24

  • "Sarah could not have put me more at ease if she tried. She is the ultimate professional, and I am pleased that I took the step to make the appointment. I left her office feeling better about things that are ahead. She is steering my in the right direction to which I am very grateful."

    Mrs W - Fife - Oct 2025

  • "I highly recommend Sarah as a financial adviser. From the very beginning, she has been extremely professional and clear in all her communications. What truly sets Sarah apart is her directness and honesty - not only she provided me sound, straightforward answers for my questions, but she was very transparent about what she can and can’t help me with. This level of integrity gave me great confidence in her recommendations and allowed me to fully understand my options. Thanks to Sarah’s clear guidance and dedication, I now feel much more informed about my financial journey. Her supportive and honest approach has been invaluable."

    Mr K - Fife - Aug 2025