Twm Ltd
17th June 2019
We are a local independent financial adviser with over 20 years’ experience of advising a diverse client portfolio.
We can advise you on
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Investments
- Ethical investments
- Investing for income
- Investment trusts
- ISAs
- OEICs
- Offshore investments
- Socially responsible investments
- Traded endowment policies
- Unit trusts
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Insurance & protection
- Accident & sickness
- Critical illness
- Income protection insurance
- Life insurance
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Business
- Corporate pension
- Group life insurance
- Group pensions
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Pensions & retirement
- Annuity purchase
- Auto enrolment
- Pension consolidation
- Pension drawdown
- Pensions & divorce
- Pensions & retirement planning
- Pensions review
- Pensions transfer
- Sipps
- Stakeholder
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Savings
- Lump sum
- National savings
- Regular savings
- Savings for children
- School fees planning
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Tax & trust planning
- Capital gains tax
- Estate planning
- Income tax
- Taxation planning
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Financial planning
- Wealth management
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Long term care
- Long term care
Meet our advisers
Steve Thompson
Director
Qualifications & Accreditations
AF7 - Pensions transfers (CII)
This qualification accesses the specialist knowledge and skills needed for advising on the transfer of safeguarded benefits
AF3 - Pension Planning (CII)
This examination assesses the candidate to develop in depth financial planning skills related to personal and corporate pensions.
CF8 - Certificate in Long-Term Care Insurance (CII)
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.
AF4 - Investment Planning (CII)
This examination assesses the candidate to develop in depth financial planning skills related to investments and the management of investment portfolios.
G60 - Pensions (CII)
This examination enhanced general pension knowledge, particularly in pension transfers and opt-out business.
J05 - Pension Income Options (CII)
At the end of this unit, candidates should be able to demonstrate an understanding of the: process of decumulating pension funds and the main issues for clients and advisers; main choices facing members of pensions schemes during decumulation; features, risks and tax treatment of the secured pension option; features, risks and tax treatment of the unsecured pension option; features, risks and tax treatment of phased retirement; features, risks and tax treatment of the alternatively secured pension option.
R02 - Investment Principles (CII)
This qualification assesses a knowledge and understanding of investment products and the application of the investment advice process.
AFPC - Advanced Financial Planning Certificate (CII)
In order to have completed this qualification, individuals were required to obtain three units. These could have been selected from any combination of the available units at that time but must have included the compulsory G10 unit - Taxation and Trusts.
J04 - Pension Funding Options (CII)
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.
R01 - Financial Services, Regulation and Ethics (CII)
This qualification assesses a knowledge and understanding of the financial services industry, including regulation, legislation and the Code of Ethics.
What our clients say
First class service from day one, and for the last 6 years.
I have known Steve at TWM for nearly ten years now and he has helped my family build up a decent portfolio of pensions and investments. I have recommended him to both professional colleagues and personal friends over the years and would not hesitate to do so again. He is extremely professional, approachable, very knowledgeable and explains financial products in lay-mans terms - which are qualities I would expect in a good financial advisor.
These few words express our appreciation of the advice and investment guidance we have received over the years from Steve Thompson. He has regularly reviewed our investments, ensured that we have sufficient income for our needs, kept us aware of impending tax changes and channeled investments into ISA's.
We have particularly valued his quick response to any requests for information and his help in disentangling reams of withdrawal paperwork. His grasp of complex legislation has enabled him to explain investment options simply and he has always offered us options from which we can choose to match our personal selection criteria.
The number and complexity of the options that were available to me and my wife when it came to retirement meant there were difficult choices to be made. It would have been impossible to arrive at the best choice without expert advice. I'm really pleased that I used TWM to guide me through to the best decision.
TWM Ltd have provided long term guidance to maximise income with no reduction in capital.
Some 15 years ago my father died and I needed some professional advice to manage my portfolio to maximise income and minimise tax liability on my projected early retirement from teaching. Steve Thompson has achieved my aims such that my income is approximately the same as when I was working despite the significant global and domestic problems in the financial sector without reducing capital in 2008.
His regular reviews are always delivered in a friendly manner without ever being “pushy” and he is now well aware of my attitude to risk. I have been pleased to recommend him to two other friends and am confident we will have a continued relationship as I approach my later years in life.
Where to find us
Unit 9, Castle Court 2, Castlegate Way, Dudley, West Midlands, DY1 4RH
Make an enquiryAbout us
We are a local independent financial adviser with over 20 years experience of advising a diverse client portfolio. We regularly advise on a wide variety of financial planning needs including retirement planning & wealth management.
Our services
We are particularly active in the field of retirement planning for clients who want to organise their arrangements towards retirement or who are looking to choose the most appropriate options available at retirement for both their pensions and investments. This includes ensuring all funds are invested in line with the individual clients requirements.
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