Financial Planning Consultant DipPFS in Buckinghamshire
With over 20 years’ experience in financial services, I specialise in pensions, investments, succession planning, and tax mitigation. I guide clients through every stage of their wealth journey, delivering tailored strategies focused on income generation, tax efficiency, and generational wealth transfer.
My client-centred approach is built on long-term relationships and a deep understanding of individual circumstances. This ensures bespoke advice that helps clients make confident decisions and achieve the best possible outcomes.
In the UK, there are around 3.3 million pension pots that are considered as ‘lost’, containing an average of around £9,500 per pot*. Nobody wants to be missing out on money they have built up in a pension, 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. Investing can help your money grow over time, but the value of investments can go down as well as up.
If that sounds good to you, please get in touch.
Approver Quilter Financial Services Limited. June 2026.
Commercial mortgages/remortgages, workplace pension and employee benefits. Commercial mortgages are by referral only.
Establishing and reviewing trusts, complete personal risk management planning, short- and long-term savings and 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.
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.
Buckinghamshire
HP19
United Kingdom
Tom is located in Buckinghamshire and offers expert financial advice to suit your needs.
With over 20 years of experience in the financial services industry, I have developed deep expertise across pensions, investments, succession planning, and tax mitigation. I support clients at every stage of their wealth journey — whether they are accumulating and growing assets, transitioning into retirement, generating sustainable income, or planning for the efficient transfer of wealth to the next generation.
My primary focus has always been delivering exceptional, client-centred outcomes. I take the time to fully understand each individual’s goals, circumstances, and priorities before crafting bespoke strategies. This might include optimising pension arrangements, building diversified investment portfolios, implementing effective succession plans, or employing legitimate tax mitigation opportunities to maximise what clients keep and pass on.
I firmly believe that successful financial planning is built on trust and long-term relationships. By maintaining close, ongoing dialogue with clients, I ensure my advice remains relevant as their lives and objectives evolve. This collaborative, tailored approach consistently helps clients feel confident and in control, enabling them to make informed decisions that align with their values and aspirations.
Outside of work, I’m a proud father to two wonderful daughters. Family is at the heart of everything I do, which is why I’m particularly passionate about helping clients create strong financial legacies for their own loved ones. When I’m not spending time with my family, you’ll usually find me on the golf course or exploring the peaceful Chiltern Hills countryside with my dog.
In advising you, I follow a simple and trusted 3 step process:
We will arrange a time to talk about your goals and plans.
I'll prepare a tailored plan which always takes full account of your goals, and gives you the steps and expert support from me to get there. All explained simply.
I'll be there as your financial adviser to give you the support you need.
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 Financial Services Ltd & Quilter Financial Ltd on 01 August 2022.
