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.
Start the conversation
Whether you want help getting your pension in a good place, or to ask me about another financial need you might have, I’m here to help.
Contact me today
An adviser’s insight
How can you boost your pension pot?
In the UK, there’s an estimated £26.6bn1 in lost or forgotten pensions. That means the average UK worker is missing as much as £28k2 from their retirement money. But there’s good news - this kind of financial hit is completely avoidable.
Here are three simple ways to make sure your pension is working its hardest for you.
1. Check up on it
This one might seem obvious, but it’s easy to lose track of your pension pots, where they are, and what they’re doing. If you make a note of your pension providers, and check your pot(s) regularly, you’re far less likely to lose one of them over time.
2. Look at your investment allocation
Your investment allocation is where and how you’re investing your pension. Often, people will just use their pension provider’s default setting. But this might not actually be right for your retirement goals and risk profile. So, it’s a good idea to revisit this every few years.
3. Bump it up
If you’ve had a windfall recently, like a pay rise, bonus, or inheritance, putting a portion of it into your pension is a good idea. Not only is it tax-efficient, but you’ll be glad when your retirement comes around.
As an adviser, my role is to help you get all of this done simply, with all the facts and information you need. That might be helping you review your risk profile, consolidating old pension pots, or making a plan to help you retire early.
If that sounds good to you, please get in touch.
The value of pensions and the income they produce can fall as well as rise. You may get back less than you invested. Tax Planning is not regulated by the Financial Conduct Authority. Tax treatment varies according to individual circumstances and is subject to change.
2 Source: https://www.hrmagazine.co.uk/content/news/average-uk-worker-has-28-000-in-unclaimed-pensions
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 tranquillity 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 travelling, 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.