Financial Adviser, Managing Director & Pension Specialist
Tommy has been involved in the financial services as an adviser for over 30 years. He set up Tailored Financial planning alongside Paula three years ago taking his loyal long standing clients along with him and helped the business grow from strength to strength, to the level it is today. He specialises in pension and estate planning and now acts more as a consultant to the other advisers within the firm. As a former professional rugby league player he still maintains an interest in the sport and now spends a lot of his spare time in north Wales.
Investments and Savings
Get help generating a better return on your savings, with a full range of investment options which could include equities, funds, bonds and alternative investments.
Get help on making a plan for a comfortable retirement; whether it’s starting a pension or understanding how much you should be contributing to one.
Get help with everything from buying your first property, to remortgaging, or funding investment in property.
Get help understanding and evaluating annuities vs. drawdown, or discussing the other available retirement income options for you.
Get advice on transferring pensions where you need a non-specialist or aspecialist, for example where you want to transfer a Defined Benefit or Final Salary scheme (one that promises to pay a certain income), or where there are other safeguarded benefits. Transferring out of a Final Salary scheme is unlikely to be in the best interests of most people.
Get help with planning your inheritance and understanding the tax implications of an inheritance you leave, or accessing an inheritance you have received.
Get help with understanding your options for releasing equity from your home. Understand the main options, the costs associated and the long term implications of each option. Equity release will reduce the value of your estate and could affect eligibility to means tested benefits. Your adviser should be able to assess and explain this to you.
Insurance and Protection
Get help to understand the best level of life cover, critical illness cover and income protection for you.