Financial Planning Consultant DipPFS, Cert CII (MP) in West Midlands
Hi, I’m Tom, a Financial Planning Consultant at Quilter Financial Advisers. I hold a Level 4 Diploma in Regulated Financial Planning, alongside Mortgage Advice and Long-Term Care qualifications. I provide advice on protection, investments, retirement planning and tax planning, taking the time to understand what matters to you and helping you build a plan for the future with clarity and confidence.
In the UK, there are around 3.3 million pension pots that are considered as ‘lost’, containing an average of around £9,500 per pot*. Nobody wants to be missing out on money they have built up in a pension, but there’s good news - this kind of financial hit is completely avoidable.
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.
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.
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. Investing can help your money grow over time, but the value of investments can go down as well as up.
If that sounds good to you, please get in touch.
Approver Quilter Financial Services Limited. June 2026.
Commercial mortgages/remortgages, workplace pension and employee benefits. Commercial mortgages are by referral only.
Establishing and reviewing trusts, complete personal risk management planning, short- and long-term savings and investments.
Permanent health insurance to provide a regular income should you be unable to work due to illness or injury.
Wealth management advice to make your money work as hard as it can for you, including making the most of any tax breaks available.
Expert advice to help provide comfort in your retirement.
Whole of life and term assurance protection, private medical arrangements, critical illness insurance.
First time buyers, remortgages, buy-to-let.
Financial planning is not a one-off transaction; it is a journey - your journey. Everyone’s circumstances, priorities and ambitions are different, and they can change over time, whether through personal events or changes to legislation and the wider financial landscape.
My role is to help you navigate those changes. What may be appropriate today may need to be reviewed tomorrow, which is why I believe in building long-term relationships with my clients. I want to be someone you can call: a familiar, approachable adviser who understands your situation and can help keep your plans on track as life evolves.
I grew up on a council estate in the West Midlands and saw first-hand the worry, stress and uncertainty that can arise when people do not feel confident with money or do not have a financial plan in place. This experience was a major reason I chose a career in financial advice. I am passionate about helping people better understand their finances and put clear, practical plans in place around their goals and the people important to them.
I am also a strong advocate for financial education, as I believe it is an essential life skill. I have given five weeks of my own time to deliver financial education sessions at my former secondary school, covering topics such as understanding payslips, the importance of saving, and how credit and loans work.
Outside of work, I enjoy spending time with family and friends. I have a young son who loves being outdoors and keeping active, so we make the most of getting out and about together. He is also fascinated by planes and helicopters, so a favourite outing is visiting our local airport for a coffee and something to eat while watching the runway.
Ultimately, I am here to help people understand their money, bring clarity to their financial decisions, and work towards their life ambitions through a tailored financial plan.
Thank you for taking the time to read my biography and learn a little more about me and how I can support you and I hope to speak with you soon.
In advising you, I follow a simple and trusted 3 step process:
We will arrange a time to talk about your goals and plans.
I'll prepare a tailored plan which always takes full account of your goals, and gives you the steps and expert support from me to get there. All explained simply.
I'll be there as your financial adviser to give you the support you need.
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 Financial Services Ltd & Quilter Financial Ltd on 18 September 2026.
