
Andy Thomas
Financial Planning Consultant DipFA in Cornwall
A little bit about Andy
With over 20 years of experience as a financial adviser, I take pride in helping individuals, families, and businesses across Cornwall achieve financial clarity and peace of mind. My passion lies in demystifying complex financial matters, guiding my clients to prioritise their goals with confidence and stability. By working together, I aim to secure your aspirations and provide the reassurance that your financial future is thoughtfully safeguarded.
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An adviser’s insight
Aim to maximise your cash savings
It might shock you to know that 28% of people hold their cash in interest-free savings accounts(1), receiving no return on their hard-earned money. Because under current rules a basic rate taxpayer can earn up to £1,000 in interest from their savings without paying tax, these people could be missing out on a significant financial boost that they could be enjoying.
This is even more relevant when you consider that the average person typically holds up to 25% of their available money on cash deposit(2). So, by reviewing your cash and tackling any ‘lazy money’, you’ll be making a great start at getting your finances in shape and achieving longer-term financial security.
If your money isn’t working as hard as it could, I can help. By making it easy to access potentially better interest rates, I can help you to aim to maximise your cash savings – giving you more money to spend on the things you enjoy or helping you grow your money towards a longer-term goal.
1 Building Societies Association Sept 2024
2 The Lang Cat: Cash as an asset class survey June 2024
Cash on deposit advice is not regulated by the Financial Conduct Authority.
Services
Holistic planning
Establishing and reviewing trusts, complete personal risk management planning, short- and long-term savings and investments.
Income Protection
Permanent health insurance to provide a regular income should you be unable to work due to illness or injury.
Investments
Wealth management advice to make your money work as hard as it can for you, including making the most of any tax breaks available.
Pensions
Expert advice to help provide comfort in your retirement.
Protection
Whole of life and term assurance protection, private medical arrangements, critical illness insurance.
Business Services & Protection
Commercial mortgages/remortgages, workplace pension and employee benefits. Commercial mortgages are by referral only.
Dental & Medical
Financial planning for dental and medical professionals, in-depth knowledge of NHS pensions and needs of hospital doctors, GPs, dentists and locums.
Qualifications

Diploma for Financial Advisers
- The Diploma for Financial Advisers from the London Institute of Banking and Finance is the primary award for financial planners that develops core technical understanding across a broad range of key financial planning areas.
Location
Andy's location
Cornwall
United Kingdom
Andy is located in Cornwall and offers expert financial advice covering the TR & PL postcodes.
More about me
I am a financial adviser with over 20 years of experience, dedicated to helping individuals, families, and businesses across Cornwall achieve financial clarity and peace of mind. My passion lies in simplifying complex financial matters, enabling my clients to confidently prioritise their goals and build a secure future.
Beyond my professional life, I enjoy an active and fulfilling personal lifestyle. Running has been a big part of my journey, including completing two marathons, which taught me the importance of persistence and setting ambitious goals - values I bring to my financial advising. Living in Cornwall near the beach provides endless inspiration, especially through my love for the ocean and the tranquility it offers.
My family - my wife and two wonderful boys are my anchor, and spending quality time with them is what keeps me grounded and motivated. In addition to my career, I’m passionate about giving back to the community, especially through charity fundraising initiatives that make a positive impact on the lives of others. I also have a deep love for traveling, embracing new cultures, and exploring the world, which broadens my perspective and enriches both my personal and professional life. This blend of professional expertise and personal values drives me to offer compassionate and dependable advice, ensuring my clients feel supported every step of the way.
The Financial Conduct Authority does not regulate some employee benefits, tax planning, inheritance tax planning, estate planning, succession planning, trusts or some buy-to-let mortgages.
The guidance and/or information contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.
Registered Office: Quilter Financial Advisers, Senator House, 85 Queen Victoria Street, London, EC4V 4AB. Tel: 0207 562 5856. Registered in England and Wales. Registered number: 05693185. Lighthouse Financial Advice Limited, Senator House, 85 Queen Victoria Street, London, EC4V 4AB. Tel: 0207 562 5856. Registered in England and Wales. Registered number: 04795080.