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.
Start the conversation
Speak to me if you want to access potentially better interest rates for your cash savings and enjoy an extra financial boost.
Contact me today
An adviser’s insight
Aim to maximise your cash savings
It might shock you to know that 28% of people hold their cash in interest-free savings accounts(1), receiving no return on their hard-earned money. Because under current rules a basic rate taxpayer can earn up to £1,000 in interest from their savings without paying tax, these people could be missing out on a significant financial boost that they could be enjoying.
This is even more relevant when you consider that the average person typically holds up to 25% of their available money on cash deposit(2). So, by reviewing your cash and tackling any ‘lazy money’, you’ll be making a great start at getting your finances in shape and achieving longer-term financial security.
If your money isn’t working as hard as it could, I can help. By making it easy to access potentially better interest rates, I can help you to aim to maximise your cash savings – giving you more money to spend on the things you enjoy or helping you grow your money towards a longer-term goal.
1 Building Societies Association Sept 2024
2 The Lang Cat: Cash as an asset class survey June 2024
Cash on deposit advice is not regulated by the Financial Conduct Authority.
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
Tim is located in Birkenhead and offers expert financial advice covering the whole of UK and Northern Ireland.
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.