
Tom Kennedy
Financial Planning Consultant, DipPFS in Nantwich
A little bit about Tom
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).
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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
Approver Quilter Financial Services Limited & Quilter Mortgage Planning Limited. May 2025.
*Based on an annual average investment return of 5% and inflation at 3%.
Services
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.
Pensions
Expert advice to help provide comfort in your retirement.
Protection
Whole of life and term assurance protection, private medical arrangements, critical illness insurance.
Business Services & Protection
Commercial mortgages/remortgages, workplace pension and employee benefits. Commercial mortgages are by referral only.
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.
Testimonials
Client 1
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.
Client 2
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!!
Client 3
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.
Client 4
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!
More about me
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.