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Tim Sands

Chartered Financial Planning Consultant Chartered FCSI in Birkenhead

A little bit about Tim

I am a Chartered Fellow with the Chartered Institute for Securities and Investment, and have been in the investment industry since the age of 17 (now 51 years old), having over 17 years experience in the fund management industry in a previous career, designing and launching investment solutions. I advise individuals, families, businesses and trusts and work alongside accountants and solicitors to provide a holistic approach to financial planning for my clients.

Find out more about me below.

Start the conversation

There are lots of ways I can help you prepare and plan your finances over the long term, such as cashflow modelling or a range of other useful tools.
Contact me today

An adviser’s insight

Graphic of people studying charts

What is cashflow modelling?

It’s the unknown that makes planning for the future difficult. Your life is full of lots of choices that can impact your financial situation. So how can you look all the way ahead to your later life with any kind of certainty?

This is where cashflow modelling comes in. Essentially, it’s a tool used by advisers like me to get an idea of how your financial future could look. I put in lots of data about you and your financial circumstances, and that lets me predict what could happen, and compare different scenarios against each other.

It means we can do things like: see whether you can afford to gift your grandchildren money towards their education, gauge whether your finances will last you into retirement, or understand whether you need to make some changes to achieve your goals.

Let me know if you think cashflow modelling could help you.

Services

Business Services & Protection

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

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.

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

CISI level 6 Certificate in Private Client Investment Advice & Management

  • Private Client Investment Advice & Management enables practitioners to demonstrate their broad understanding of the principles of private client investment advice, within the context of the current regulatory environment.

Chartered Fellow

  • The pinnacle of CISI membership. Exclusively for professionals who have demonstrated the highest levels of knowledge and standards of professionalism.

Location

Tim Sands' location

  • Birkenhead
    Prenton
    CH43
    United Kingdom
Tim Sands' location

Tim is located in Birkenhead and offers expert financial advice covering the whole of UK and Northern Ireland.

Tim Sands' location

More about me

I believe in true financial planning i.e understanding the needs and objectives of the client(s) and designing a solution to meet those needs, therefore I am client-led not product led.

This is re-enforced by one of the greatest developments in the UK financial planning industry, being the Retail Distribution Review (RDR) completed by the Financial Conduct Authority (FCA) in 2013 whereby commission was banned in the UK on investments and pensions.

In summary, I work very closely with my clients to tailor plans to meet their specific needs and which are reviewed on a regular basis; this is not just on an annual review basis, I am actually available 7 days a week for my clients including evenings to work around their busy schedules.

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 02 January 2024.