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Thomas Lambert

Financial Planning Consultant with Mortgages DipFA, CeMAP®, PETR in Haslington

A little bit about Thomas

I provide holistic financial advice in Cheshire and the surrounding areas. I have worked in the industry for over 10 years for well known household names such as Lloyd’s Bank, Wesleyan Bank and St James’s Place. The main reason I became a financial planner was to help people make better decisions when it comes to their money. I enjoy helping clients build and preserve their wealth through tax efficient investing, protection and tax and retirement planning.

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

Business Services & Protection

Commercial mortgages/remortgages, workplace pension and employee benefits. Commercial mortgages are by referral only.

General Insurance

Home contents insurance, buildings insurance.

Holistic planning

Establishing and reviewing trusts, complete personal risk management planning, short- and long-term savings and investments.

Dental & Medical

Financial planning for dental and medical professionals, in-depth knowledge of NHS pensions and needs of hospital doctors, GPs, dentists and locums.

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.

Income Protection

Permanent health insurance to provide a regular income should you be unable to work due to illness or injury.

Pensions

Expert advice to help provide comfort in your retirement.

Protection

Whole of life and term assurance protection, private medical arrangements, critical illness insurance.

Mortgage

First time buyers, remortgages, buy-to-let.

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.

Certificate in Mortgage Advice and Practice - Level 3

  • CeMAP is the benchmark qualification for individuals aspiring to become mortgage advisers. It gives the skills, knowledge and certifications to deliver mortgage advice and practice.

Level 6 Pension Transfers

  • This module provides expertise on pension transfers and builds practical skills so that advisers can excel when making recommendations.

Testimonials

Thomas O.

I cannot recommend Tom enough - he provided a professional and personable service when I needed financial advice about my pension. Tom's knowledge was second-to-none - he was friendly and had no trouble explaining the options available to me clearly, as I had little knowledge of this subject. He worked around my schedule and was free to chat when I needed him - even if it probably wasn't convenient for him. An absolute pleasure from start to finish. Thanks again, Tom I cannot recommend Thomas highly enough. He explained everything clearly without jargon. He gave honest advice and listened to what I wanted.

Kirsty M.

I could not recommend Tom more, he is very personable, reliable and trustworthy. He will always go above and beyond to help his clients and ensure that they have the best advice and solutions for their needs.

He is very knowledgeable and informative and will keep you in the loop every step of the way. If you’re in the market for honest financial advice then look no further.

Lisa R.

We would highly recommend Tom!

We've had the pleasure of working with Tom for the past few months and his expertise and dedication have been invaluable in securing our mortgage.

He's super flexible, professional and full of knowledge! We wouldn't even know where to start and he guided us through it all and explained everything so patiently!

If I could give more stars then I would!

Location

Thomas's location

Haslington
Cheshire
United Kingdom

Thomas offers expert financial advice to suit your needs, covering Haslington and surrounding areas.

More about me

I pride myself on listening to my clients in order to create a bespoke plan, which is tailor made to meet your personal and financial goals and objectives. I provide advice, on what can often be complex subjects, without the use of industry jargon and at a level that my clients can fully understand.

I enjoy building long lasting relationships with my clients and endeavour to do this by providing a continuous service and committing myself to regularly reviewing and meeting my clients on an ongoing basis. I specialise in Pension Planning, Investments, Mortgages, Protection and Inheritance/Estate Planning.

I am married and have two Cockerpoo’s Charlie and Betty. In my spare time I enjoy spending time with my family and friends and have a keen passion for travelling. The main driving force behind doing a job that I love, is my genuine passion for helping others to shape their financial future for both them and their family, as after all family is the most important.

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.