Skip to main content
Search

Thomas Lock

Financial Planning Consultant in Clacton-On-Sea

A little bit about Thomas

We live in an unprecedented time of opportunity for building real, long-term wealth. But as individuals we often struggle to put together a coherent plan for our financial lives and future. My mission statement is to work with individuals, families and business owners to cut through this noise and help people find a solid foundation on which they can confidently build their financial future. Your finances should spark excitement (not stress!), and that is a reality we can build together.

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 money needs a plan. 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.

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 Regulated Financial Planning

  • The Level 4 Diploma in Regulated Financial Planning from the Chartered Insurance Institute develops core technical and initial financial planning understanding.

Location

Thomas's location

Clacton-On-Sea
Essex
CO16
United Kingdom

Thomas is located in Clacton-On-Sea and offers expert financial advice to suit your needs.

More about me

I believe we face one key issue in our financial lives: uncertainty. Incomes fluctuate; our goals and aspirations are forever being shaped and altered; and our confidence can easily be shaken when, for instance, a tax rule changes or a sudden expense emerges. My proposition is rooted in this philosophy: the only real certainty is that the future is uncertain, but by thinking forward and planning for contingencies we can begin to take hold of the unknown. And that’s where I come in!

I’ll help you look at your situation in clear terms, establish your goals and ambitions and build a plan that works for you in the long term - an antidote for the unknown, alleviating the stress commonly associated with finance.

Outside of financial planning my life revolves around my family, and when I’m not spending time with my wife and son I’m either in the gym, playing football or playing a synthesiser on a stage somewhere.

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 16 July 2025.