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
Get in touch if you’d like to discuss the long-term benefits of including investing in your financial plans.
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An adviser’s insight
When is the right time to invest?
There’s always a degree of uncertainty when it comes to investing, so it’s natural for some people to feel nervous about it.
When the news is reporting stock market volatility, it’s understandable that some people might feel more cautious about investing. But including investments in your long-term financial plan is a smart way to give your money the best chance to grow.
Keeping money in cash might feel like a safe option, and having some money easily available is a sensible decision. But too much cash could end up costing you more because of inflation’s ability to eat away at the value of your savings. For example, when £10,000 is invested it can grow by 78% over 30 years, but if it was kept in a current account its value could actually reduce by 59%*.
There are lots of options when it comes to investing, and I’m here to guide you through them. I can help you decide things like which risk level is right for you, what types of investments to use to maximise your tax efficiency, and how to create an investment plan tailored to your circumstances and goals. I can also show you how different investment approaches could impact your finances over the long term.
If you’re thinking about how investing today can help create the life you want in the future, let’s talk about how I can support and guide you through the process.
The value of investments and the income they produce can fall as well as rise. You may get back less than you invested.
Tax treatment varies according to individual circumstances and is subject to change
*Based on an annual average investment return of 5% and inflation at 3%.
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.