Time Financial Planning

Business Details

Expert Financial Planning Services in Newbury

Time Financial Planning Financial Planning has been dedicated to crafting tailored financial strategies since its establishment, combining deep industry expertise with a client-centric approach. Our team of Chartered Financial Planners brings decades of collective experience in navigating complex financial landscapes, from wealth accumulation to retirement planning. We prioritise holistic financial planning, ensuring every decision aligns with clients' unique life goals and risk profiles. Our independence allows access to whole-of-market solutions, while our Chartered Insurance Institute accreditation underscores our commitment to exceeding industry standards. With offices in Newbury and Croydon, we serve clients nationwide, offering tax-efficient strategies and protection services.

Our process begins with a free initial consultation, focusing on understanding individual aspirations before developing customised plans. Through cashflow modelling and investment strategies, we help clients visualise and achieve their financial futures. Client testimonials highlight our transparent communication, proactive reviews, and ability to simplify complex financial concepts. We specialise in bridging the gap between current financial situations and long-term security, with particular expertise in pension optimisation and inheritance tax planning. Our team's dedication to continuous professional development ensures clients benefit from the latest regulatory insights and market innovations.

Services

Holistic Financial Planning Wealth Accumulation Retirement Planning Later Life Planning Inheritance Tax Cashflow Modelling Protection Services

Highlights and features

We offer free initial consultations with no commitment required
Our team holds Chartered Financial Planner status, the industry's highest accreditation
We implement tax-efficient strategies to maximise retirement savings
We provide whole-of-market solutions through independent adviser status
We guarantee regular portfolio reviews with personalised reporting

Associations and certifications

Chartered Insurance Institute
Financial Conduct Authority

What people say

Personalised approach Technical expertise Proactive communication Clear explanations Long-term security

Website

Update Listing

Services

Holistic Financial Planning

Our holistic financial planning service integrates investment management, pension optimisation, and tax-efficient strategies to create comprehensive wealth management solutions. We assess clients' complete financial picture to develop coordinated plans addressing short-term needs and long-term objectives. By combining cashflow modelling with risk management techniques, we help clients navigate life's financial challenges while maintaining flexibility for changing circumstances.

Retirement Planning

Specialised retirement planning services focus on maximising pension savings and creating sustainable income streams. We help clients determine optimal retirement dates, navigate pension drawdown options, and structure tax-efficient withdrawal strategies. Our cashflow modelling tools visualise different retirement scenarios, helping clients understand how market fluctuations and lifestyle choices might impact their financial security during retirement years.

Later Life Planning

Later life planning services address long-term care costs, inheritance tax mitigation, and estate preservation. We develop strategies to protect assets from care home fees while ensuring financial security in retirement. Our tax-efficient planning techniques help clients maximise wealth passed to beneficiaries, incorporating trusts and charitable giving options to meet specific legacy goals.

Wealth Accumulation

Wealth accumulation services focus on growing financial resources through strategic investment planning. We help clients optimise savings strategies, select appropriate investment vehicles, and implement disciplined portfolio management approaches. Our services include risk profiling, asset allocation, and performance monitoring to ensure investments remain aligned with evolving financial objectives.

Cashflow Modelling

Our cashflow modelling service provides visual representations of clients' financial futures under various scenarios. This sophisticated tool helps assess the impact of market volatility, unexpected life events, and changing circumstances on financial plans. By stress-testing strategies against potential challenges, we help clients make informed decisions about investment choices, retirement dates, and risk management approaches.

People

Richard Dunbabin

CEO

With over 25 years' experience in financial services, Richard leads Time Financial Planning's strategic direction while maintaining active client relationships. He specialises in complex pension planning and retirement income strategies.

Suzanne Allen

Head of Financial Planning

Chartered Financial Planner Suzanne Allen oversees all client advisory services, ensuring technical excellence and regulatory compliance. She has particular expertise in inheritance tax planning and estate preservation strategies.

Adam Vanstone

Chartered Financial Planner

Adam specialises in investment management and portfolio construction, helping clients achieve growth objectives while maintaining appropriate risk parameters through diversified investment strategies.

Robert Saunders

Chartered Financial Planner

Robert focuses on retirement planning solutions, assisting clients with pension consolidation, drawdown arrangements, and sustainable income generation strategies for their retirement years.

Rhiannon Hastings

Head of HR

Rhiannon manages all human resources functions, ensuring Time Financial Planning maintains its client-focused culture while supporting professional development across the advisory team.

Questions

What financial planning services do you offer?

We provide holistic financial planning covering retirement strategies, wealth accumulation, later life planning, tax-efficient estate solutions, investment management, and protection services.

Are you independent financial advisers?

Yes, our independence allows us to offer whole-of-market solutions, ensuring we find the most suitable products and strategies tailored to your specific needs.

How much does financial advice cost?

We offer a free initial consultation. Our charging structure varies by service, including hourly rates, fixed fees, or percentage-based charges for ongoing management.

Do you work with clients outside your local area?

While we have offices in Newbury and Croydon, we work with clients nationwide through virtual meetings and digital communication tools.

What qualifications do your advisers hold?

Our team includes Chartered Financial Planners with advanced industry qualifications, ensuring the highest standards of professional expertise and ethical practice.

How often do you review financial plans?

We recommend annual reviews, with additional check-ins for significant life events or major market changes to ensure your plan remains on track.

Reviews (4)

Write a Review

David Culross

Sep 16, 2021 Report

Positive:Professionalism,Quality,Responsiveness,Value
Always found Time Independent to be very helpful, knowledgeable and honest in their advice. They advise and inform you on how to invest your savings and there is no pressure put on you to do anything youre not confident in doing. Im very happy with my choice of financial advisers.

Richard Chinn

Aug 16, 2021 Report

Tim has provided us with excellent financial advice during the past few years. He is professional, friendly and easy to deal with, as are the rest of the TIME team. I have no hesitation in recommending TIME to anyone who is seeking financial advice, will writing, lasting powers of attorney and other financial services.

Sahande Goulding

Jun 28, 2021 Report

Positive:Professionalism,Quality,Responsiveness,Value
Matt is kind, approachable, reliable and supportive. I am very glad to choose Time Financial Planning Limited for my pension. I would highly recommend it.

Jayne Neville

Apr 16, 2021 Report

Tim has been our financial advisor for 5 years and has always given clear and informative advice concerning our financial matters. The service provided is efficient and provides regular detailed financial reports and regular zoom/face 2 face meetings. Would highly recommend. Jayne & Neil Draper 29/04/2021