A free consultation, without obligation

There are times when it can prove difficult to establish your true financial needs. You may want an expert to consider whether or not your finances are in order or to point out if you need to take some action.

We offer a free consultation, of up to an hour in length, to consider your personal circumstances. Our consultation offer is made without any obligation upon you.

Our advisers are available to meet in person, or if you would prefer it is possible to hold a consultation over the telephone.

Specialist advice

In a similar way to the medical profession, there are differences between financial planners and the way they operate. Some can be viewed as general practitioners, whilst others choose to specialise in certain areas of advice.

Assisting our clients to plan for their futures, normally requires us to consider all aspects of their financial well being. We are careful to ensure that we highlight any protection and investment needs as well as tax saving opportunities that exist. This level of service demands the general financial planning skills that we have built up over the years our business has been in operation.

We understand that there are circumstances during financial planning where the expert knowledge of a specialist is required. Listed below are the areas of specialist advice that we provide and details of who you should contact.

Contact us		Specialisation		Email
Mr A Waterhouse		Shareholder Protection		TMS Financial Solutions Limited		email me
		Employee Benefits
		Group Stakeholder
		Tax Planning for businesses
		Key Person Protection
		Group Pensions
		Tax planning for Individuals
		Ethical Investments
		Lump Sum Investments
		Pension choices at Retirement
		Individual Protection
		Pensions (incl Stakeholder)
		Estate Planning
		Unit Trusts / Investment Trusts
Mr C Gwilliam		Tax Planning for businesses		TMS Financial Solutions Limited		email me
		Key Person Protection
		Shareholder Protection
		Estate Planning
		Investments for Trusts
		Ethical Investments
		Unit Trusts / Investment Trusts
		Tax planning for Individuals
		Lump Sum Investments
		Offshore Investments
		Pensions (incl Stakeholder)
		Christianity
Mr D Bradley		Shareholder Protection		TMS Financial Solutions Limited		email me
		Tax Planning for businesses
		Lump Sum Investments
		Unit Trusts / Investment Trusts
		Investments for Trusts
		Tax planning for Individuals
		Individual Protection
		Estate Planning
		Pensions (incl Stakeholder)
		Ethical Investments
Mr B Steward		Key Person Protection		TMS Financial Solutions Limited		email me
		Tax Planning for businesses
		Group Stakeholder
		Group Pensions
		Shareholder Protection
		Investments for Trusts
		Pension choices at Retirement
		Estate Planning
		Pension Transfers
		Unit Trusts / Investment Trusts
		Tax planning for Individuals
		Pensions (incl Stakeholder)
		Lump Sum Investments
Mr J Waldie		Key Person Protection		TMS Financial Solutions Limited		email me
		Group Pensions
		Shareholder Protection
		Group Stakeholder
		Tax Planning for businesses
		Portfolio Management
		Unit Trusts / Investment Trusts
		Tax planning for Individuals
		Lump Sum Investments
		Pension choices at Retirement
		Pensions (incl Stakeholder)
		Estate Planning
		Investments for Trusts
Mr J Money		Tax Planning for businesses		TMS Financial Solutions Limited		email me
		Estate Planning
		Educational Fees Planning
		Unit Trusts / Investment Trusts
		Tax planning for Individuals
		Pensions (incl Stakeholder)
		Lump Sum Investments
		Investments for Trusts
		Offshore Investments
Ms H Pryor		Unit Trusts / Investment Trusts		TMS Financial Solutions Limited		email me
		Lump Sum Investments
		Pension choices at Retirement
		Estate Planning
		Individual Protection
		Investments for Trusts
		Regular Savings
		Health / Long term care
Dr M Haywood		Ethical Investments		TMS Financial Solutions Limited		email me
		Unit Trusts / Investment Trusts
		Tax planning for Individuals
		Lump Sum Investments
		Individual Protection
		Investments for Trusts
		Estate Planning
Mr S Wells		Group Pensions		TMS Financial Solutions Limited		email me
		Key Person Protection
		Portfolio Management
		Tax planning for Individuals
		Lump Sum Investments
		Pension choices at Retirement
		Individual Protection
		Pensions (incl Stakeholder)
		Regular Savings
		Unit Trusts / Investment Trusts
Mrs A Pike		Pension choices at Retirement		TMS Financial Solutions Limited		email me
		Unit Trusts / Investment Trusts
		Lump Sum Investments
		Investments for Trusts
		Offshore Investments
		Estate Planning
		Regular Savings
Mrs J Coomer		Key Person Protection		TMS Financial Solutions Limited		email me
		Group Pensions
		Portfolio Management
		Lump Sum Investments
		Investments for Trusts
		Tax planning for Individuals
		Individual Protection
		Offshore Investments
		Estate Planning
		Health / Long term care