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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.

Find out more about me below.

Start the conversation

Your money won’t reach its goal unless it has a direction. But with a plan, it can work towards something better. I can help.
Contact me today

An adviser’s insight

Money needs a plan. Here’s where to start

Money doesn’t make decisions on its own. Left sitting in cash, it quietly loses value. That’s why having a plan matters. It’s not about being wealthy or knowing all the answers – it’s about giving your money direction. And in the UK, many people miss out simply because they don’t take that first step.

  • Most people in the UK save sporadically or leave money sitting in cash – missing out on growth.
  • Planning gives peace of mind. It turns uncertainty into clarity.
  • The earlier you start, the more powerful the impact – but it’s never too late.
  • Quilter’s purpose is to help build brighter financial futures. That starts with a plan.
  • Investing always carries risk. The value of investments can go up and down and you may get back less than you invested.

Making your money work for you

Why investing matters

  • Lazy money loses value over time – inflation chips away at it.
  • Investing little and often helps your money grow without needing to be an expert.
  • A plan helps you stay focused and avoid reactive decisions.

Inflation and ‘lazy money’

  • Inflation quietly erodes the value of your savings.
  • £10,000 in cash today could be worth significantly less in 10 years.
  • Investing helps protect your money from inflation and grow it over time.
Ready to build your plan? Contact me using the details above.

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.

Quilter Financial Planning Network only: This financial promotion was approved by Quilter Wealth Ltd, Quilter Financial Services Ltd, Quilter Mortgage Planning Ltd, Quilter Financial Ltd, Quilter Financial Planning Solutions Ltd & Lighthouse Advisory Services Limited on 01 August 2022.