
Thomas Gregory
Financial Planning Consultant DipPFS in Lincolnshire
A little bit about Thomas
I am a financial adviser based in Lincolnshire and London.
Throughout my varied career I have witnessed the beneficial impact of well-considered financial planning on a personal level and the ability for this to affect our lives. Every situation is different and this goes for financial solutions. From young professionals to intergenerational family wealth planning, the financial planning journey starts with an active conversation.
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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.
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.
Income Protection
Permanent health insurance to provide a regular income should you be unable to work due to illness or injury.
Qualifications

Diploma in Financial Planning
- The Level 4 Diploma in Financial Planning from the Chartered Insurance Institute develops core technical understanding across a broad range of key financial planning areas.
Location
Thomas's location
Lincolnshire
PE22
United Kingdom
Thomas is located in Lincolnshire and London, and offers expert financial advice to suit your needs.
More about me
Financial health is a cornerstone to achieving wellbeing alongside physical and mental health. I firmly believe that all of these factors impact us and our lives significantly.
I enjoy working closely with individuals and families to create bespoke solutions that provide clarity, security and confidence for the future. By having a relationship with me as your financial adviser, you are giving yourself the best chance to reach your financial goals and achieve peace of mind in the knowledge that your financial future is secure.
As a committed member of the Personal Finance Society, I stay up to date with industry developments to ensure my advice remains relevant and effective. The world of personal finance can be daunting but, together we will develop a plan that is clear and adaptable in a fast-moving world.
Away from my desk I enjoy keeping active either on my bike or taking the dog for a run. If I'm not out and about I'll probably be found playing the piano or reading up on Philosophy.
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.