Business Details
10 Years
experience
Your Trusted Financial Advisers in Hertford
At Surety Financial Planning, we pride ourselves on delivering a bespoke, personal level of service to our clients. By working with a limited number of clients, we ensure each individual receives tailored attention and direct access to familiar advisors. Our investment philosophy centres on simplicity, empowering clients to understand where their money is held, associated risks, and how it aligns with their long-term goals. With over 35 years of experience, Chartered Financial Planner Tim Plummer leads our team, prioritising integrity and clear communication to help clients navigate complex financial decisions. We specialise in long-term care planning, cashflow forecasting, and estate preservation, offering holistic strategies to maintain clients' desired lifestyles.Our process includes discovery meetings, strategy development, implementation, and regular reviews to adapt to changing circumstances. Client testimonials consistently highlight our responsiveness, reliability, and ability to alleviate financial stress. As an appointed representative of Sense Network Limited, regulated by the Financial Conduct Authority, we adhere to rigorous professional standards. Our ongoing service fee covers all consultations, reviews, and portfolio adjustments, ensuring continuous support. Based in Hertford, we serve clients across the UK, combining local expertise with national regulatory compliance.
Services
Financial Planning
Investment Management
Long-Term Care Planning
Cashflow Forecasting
Estate Preservation
Details
- Year established: 2016
Highlights and features
- We offer 1:1 financial planning with Chartered professionals
- Our transparent 6-stage process ensures informed decision-making
- Clients receive lifetime cashflow analysis and portfolio reviews
- Specialist expertise in long-term care fees planning
- Regulated by the Financial Conduct Authority for compliance assurance
Associations and certifications
- Financial Conduct Authority (FCA)
- Chartered Financial Planner (Tim Plummer)
What people say
Personalised service
Responsive communication
Clear explanations
Reliable advice
Stress reduction
Services
Financial Planning
Our financial planning service creates tailored strategies to help clients achieve long-term financial security. We conduct comprehensive cashflow analysis to determine appropriate risk levels and investment requirements. With a focus on maintaining desired lifestyles, we develop adaptable plans that evolve with changing circumstances, legislation, and market conditions. Our ongoing reviews ensure portfolios remain aligned with clients' goals.
Investment Management
We implement disciplined investment strategies based on the principle that markets work and risk correlates with returns. Our approach balances capital preservation with growth objectives, considering factors like inflation risk and asset volatility. Clients receive regular portfolio rebalancing and performance reporting to maintain optimal investment positioning aligned with their risk tolerance and financial goals.
Long-Term Care Planning
Specialist advice on funding long-term care costs while preserving capital assets. We help clients navigate local authority thresholds, deferred payment agreements, and care funding options. Our planning ensures clients receive appropriate care while protecting inheritances through strategic asset management and collaboration with legal professionals.
Cashflow Forecasting
Lifetime cashflow analysis projects financial sustainability under various scenarios. We model income, expenditure, and investment performance to prevent capital depletion. This service enables informed decisions about retirement planning, care costs, and intergenerational wealth transfer while maintaining financial security throughout life's changes.
Estate Preservation
We develop strategies to protect assets for beneficiaries while addressing care funding requirements. Our approach balances immediate financial needs with legacy planning, utilising tax-efficient structures and inheritance planning techniques. Clients receive guidance on balancing care costs with preserving wealth to pass on to future generations.
People
Tim Plummer
Chartered Financial Planner
With over 35 years' experience, Tim attained Chartered status in 2007 and specialises in holistic financial planning. He focuses on clear communication, risk management, and long-term care strategies while maintaining CPD accreditation.
Tracy Palmer
Client Services Manager
Over 20 years in financial services, Tracy manages client reviews, portfolio administration, and ongoing service delivery. She ensures seamless client communication and operational excellence in implementing financial plans.
Questions
What financial planning services do you offer?
We provide comprehensive financial planning including investment management, long-term care fees planning, cashflow forecasting, and estate preservation strategies tailored to individual circumstances.
How do you charge for your services?
Our fees are agreed upfront during initial consultations. The ongoing service fee covers all reviews, portfolio adjustments, and client communications as part of our transparent pricing structure.
Are you regulated by financial authorities?
Yes, we operate as appointed representatives of Sense Network Limited, authorised and regulated by the Financial Conduct Authority (Register No: 602483).
How often are financial plans reviewed?
We conduct regular reviews to adapt plans to changing circumstances, including annual cashflow analysis, risk assessments, and portfolio rebalancing as needed.
Can you help with care home fee planning?
Yes, we specialise in long-term care fees planning, helping clients navigate local authority thresholds while preserving assets through strategic financial arrangements.
What investment approach do you use?
We follow evidence-based investing principles, balancing risk and return with regular portfolio rebalancing to maintain alignment with clients' financial objectives and market conditions.
