Time Financial Planning Limited

Independent Financial Adviser  Time Financial Planning Limited, Woodley, Berkshire, RG5 4JB
First meeting at adviser's own cost
Time Financial Planning Ltd specialises in lifetime financial planning, investments, pensions, long term care advice and protection.
We can advise you on
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Annuity purchase
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Pension consolidation
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Pension drawdown
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Pensions & divorce
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Pensions & retirement planning
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Pensions review
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Pensions transfer
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SIPPs
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Stakeholder
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Wealth management
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Ethical investments
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ISA / Unit Trusts / OEICs
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Investing for income
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Investment trusts
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OEICs
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Offshore investments
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Socially responsible investments
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Traded endowment policies
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Unit trusts
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Lump sum
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National savings
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Regular savings
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Savings for children
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School fees planning
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Accident & sickness
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Critical illness
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Income protection insurance
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Life insurance
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Capital gains tax
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Estate planning
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Income tax
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Taxation planning
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Long term care
Response rating
7.0/10
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FCA authorised
Last authorised 25th May 2020
Meet our advisers
Tim Embleton DipPFS
Director

This examination assesses a knowledge and understanding of the Government’s simplified pension taxation regime which came into full effect on 6 April 2006 (A-Day). Eight tax regimes for pensions were reduced to one, radically affecting planning and transactions.

This examination assessed a knowledge and understanding of the UK tax system, the law and practice of trusts, but also an ability to advise individual clients on the tax treatment of their investments and the use of trusts to meet their current and foreseeable future needs.

This qualification assesses the knowledge and understanding of the UK regulation environment in the financial services industry together with various types of mortgage products and repayment options and the giving of mortgage advice. Chartered Institute of Bankers in Scotland (CIOBS) qualifications are subject to a separate grading with the Scottish Credit and Qualifications Framework (SCQF) - www.scqf.org.uk

At the end of this unit, candidates should be able to demonstrate an understanding of the: main tax and legal frameworks that govern the accumulation phase of building up retirement benefits under registered pension schemes; features of defined contribution and defined benefit pensions; choices faced by early leavers and use of transfer value analysis; State retirement benefits available, including the risks and suitability of contracting out of the State Second Pension.

This qualification assesses a knowledge and understanding of the UK regulation environment in the financial services industry, long term care insurance products and the giving of long term care insurance advice.

At the end of this unit, candidates should be able to demonstrate an understanding of: how the economic environment and individual company performance affects investment performance and investment decision making; how risk is measured and managed; the main principles governing how to construct an investment portfolio; the range of investment management services, how their performance is evaluated and their regulatory environment.

This qualification assesses a knowledge and understanding of the UK Financial services, regulation and ethics, investment principles and risk, personal taxation, pensions and retirement planning, financial protection and financial planning practice.

Matt Grifferty DipPFS
Independent Financial Adviser

This qualification assesses a knowledge and understanding of investment products and the application of the investment advice process.

This qualification assesses a knowledge and understanding of an ability to analyse financial protection planning issues.

This qualification assesses a knowledge and understanding of the UK taxation system, and the ability to analyse the taxation treatment of individuals and trusts during the investment advice process.

This qualification helps advisers develop and demonstrate their financial planning capabilities. 

This examination assesses an understanding of group risks, including the operations of such schemes and their features and taxation.

This qualification assesses a knowledge and understanding of the financial services industry, including regulation, legislation and the Code of Ethics.

To achieve DipPFS individuals must achieve 140 credits. At least 80 credits must be at Diploma or AFPC level.

This qualification assesses a knowledge and understanding of an ability to analyse pension and retirement planning issues.

This examination assesses a knowledge and understanding of the different types of equity release products, risks to the consumer associated with equity release and application of suitable equity release solutions according to the circumstances of different customers.

This qualification assesses a knowledge and understanding of the UK regulation environment in the financial services industry, mortgage products, repayment options and the giving of mortgage advice.

This qualification assesses a knowledge and understanding of the UK regulation environment in the financial services industry, long term care insurance products and the giving of long term care insurance advice.

This qualification assesses a knowledge and understanding of key elements of the mortgage process, specialist types of mortgage lending, challenges in the mortgage industry and the giving of mortgage advice.

This qualification accesses the specialist knowledge and skills needed for advising on the transfer of safeguarded benefits

This qualification accesses the advanced skills needed for advising on income planning to those in and approaching retirement

What our clients say
Tim has helped me for many years now to invest and make financial plans for me and my children. He explains in simple terms and provides a very professional and personal service. He listens and makes sure he understands what my preferences are at every step of the process.
Mrs B Smith, London
“Having experienced a number of IFA’s it’s been a revelation to work with Tim of Time Independent. Clear, easily understood and thoughtful advice that is based on our circumstances rather than the vested interests of the adviser is a succinct way to describe our experience with Tim. We highly recommend a discussion with him.”
Mr & Mrs M Ward, Sherfield
Tim is a very ‘user friendly’ person to deal with. His advice was measured and tailored to suit our situation and was structured to enable us to manage what needed to be done in a practical manner. He gave us a pros and cons style of advice upon which we could make our decisions and has always been available to update us and to answer questions or take actions as the need has arisen. In the background he has kept an eye on our investments and been pro-active and prompt at ensuring we did what was necessary to fit in with deadlines/timescales. All in all he is a really good guy to deal with and always with a smile.
Mr & Mrs I Luke, Berkhamstead
About us

In order to help you understand perhaps a little better I’ll tell you a very brief story. I know an 84-year-old lady who was brought up during the war in a time of rationing and who has been conditioned not to borrow and instead to save everything for her future. She was married but sadly her husband died of cancer at just 63 before they had TIME to start spending their money. As a result, she now has too much money and won’t spend a penny.

So you see, they worked very hard and never had TIME to enjoy their wealth together. This is because they saved too much and he died too soon. A proper financial planner would have taught them that there has to be balance – enjoy some of your earnings now while you have TIME and invest some for your future in case you are blessed with longevity…but they never got this advice. This is the story of my mum and dad, which is why I do what I do, and this is the ethos for the entire team. If you’re interested in finding out more about pensions or investments, I’m Tim(E) by the way.

Our services

We spend time getting to know our clients and understand exactly what their aspirations are before using this information to create a lifetime plan. This shows our clients what they really can achieve in life. We provide regular on going reviews (up to four times a year) where we constantly monitor progress towards your goals.

Our clients become our friends and we enjoy meeting them regularly. We've witnessed births, deaths, marriages, graduations, first houses, retirements and a whole host of other important life changing events. We're always there and available for a chat when needed.

Where to find us
Head office address: Time Financial Planning Limited, Suite 1, Unit 6, 15 Headley Road, Woodley, Reading, RG5 4JB
Preferred clients
Minimum wealth (income/assets)
£0
Minimum pension value
£0
Minimum mortgage value
£0
Advice methods
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    Telephone
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    Online (Live chat, video, email)
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    Face to face
Response rating
7.0/10
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FCA authorised
Last authorised 25th May 2020

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