Financial Planning Consultant, DipPFS in Nantwich
I have worked in financial services for almost 8 years. I am a diploma qualified Financial Planning Consultant and also hold a first-class honours degree in Accounting & Finance from the Manchester Metropolitan University. I am working towards becoming a Chartered Financial Planner with the Chartered Institute of Insurance (CII).
In the UK, there’s an estimated £26.6bn1 in lost or forgotten pensions. That means the average UK worker is missing as much as £28k2 from their retirement money. But there’s good news - this kind of financial hit is completely avoidable.
This one might seem obvious, but it’s easy to lose track of your pension pots, where they are, and what they’re doing. If you make a note of your pension providers, and check your pot(s) regularly, you’re far less likely to lose one of them over time.
Your investment allocation is where and how you’re investing your pension. Often, people will just use their pension provider’s default setting. But this might not actually be right for your retirement goals and risk profile. So, it’s a good idea to revisit this every few years.
If you’ve had a windfall recently, like a pay rise, bonus, or inheritance, putting a portion of it into your pension is a good idea. Not only is it tax-efficient, but you’ll be glad when your retirement comes around.
As an adviser, my role is to help you get all of this done simply, with all the facts and information you need. That might be helping you review your risk profile, consolidating old pension pots, or making a plan to help you retire early.
If that sounds good to you, please get in touch.
The value of pensions and the income they produce can fall as well as rise. You may get back less than you invested. Tax Planning is not regulated by the Financial Conduct Authority. Tax treatment varies according to individual circumstances and is subject to change.
2 Source: https://www.hrmagazine.co.uk/content/news/average-uk-worker-has-28-000-in-unclaimed-pensions
Establishing and reviewing trusts, complete personal risk management planning, short- and long-term savings and investments.
Permanent health insurance to provide a regular income should you be unable to work due to illness or injury.
Expert advice to help provide comfort in your retirement.
Whole of life and term assurance protection, private medical arrangements, critical illness insurance.
Commercial mortgages/remortgages, workplace pension and employee benefits. Commercial mortgages are by referral only.
I needed to set up a new pension as a business owner and I needed to transfer over my old pension from my previous company. I also needed a review of my life insurance and my financial planning up to retirement age.
I am grateful to Tom who advised me that my current cover did not include any financial support should I become ill or injured and need time out of the business, now I have a policy that will cover my monthly salary and a pay out after death. He has also set me up with a new pension and will arrange with my previous pension company to transfer the balance over so it is all in one place.
Lastly, he advised me about future savings for my children which I found really useful and will be putting in place.
Received some excellent advice from Tom on a number of different matters. I am 59 I have a cognitive disability which affects my perception and understanding. The fact that I understood Tom from the start shows his communication skills are exceptional I was honestly amazed how I myself absorbed and retained the information he gave me.
Tom made everything crystal clear I am so pleased that I've been advised by Tom its literally changed my direction in life and made it so much better. Thank you Tom, keep up the good work!!
Tom has been great to deal with. Not only has the service been extremely professional, with regular updates and reports, but Tom is also very personable and easy to work with. We wouldn't hesitate to recommend him.
I didn’t know where to start and I found Tom via my trade union financial advice offer. Tom had made this process really straight forward guiding me step by step and providing clear straightforward advice and information. He’s really friendly and made me think about what I want out of retirement with projections for the future and explored ethical investing with me.
Tom was upfront about managing my expectations and the limitations but committed to finding me a close fit. I’ve felt really confident in the advice Tom has given. After my experience with Tom I sort of wish I’d taken this step earlier!
I am a passionate financial planner with nearly 8 years' experience in financial services. I focus on assisting business owners and public sector professionals in navigating the difficult world of finances, pensions, investments, and tax planning, particularly retirement, investment planning and auto-enrolment.
My approach centres on understanding each client's unique goals and circumstances, enabling me to craft personalised solutions that prioritise their financial well-being and long-term success. From creating tax-efficient strategies to build and enjoy your wealth, implementing protection policies and even inheritance tax planning amongst other areas, I am committed to providing holistic guidance that empowers individuals to make informed decisions about their financial future.
Let's connect to explore how I can help you achieve your financial objectives and secure a prosperous retirement.
* Inheritance tax planning & tax planning is not regulated by the Financial Conduct Authority.
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.
