At Tim Smith Associates we pride ourselves on providing personal financial advice to individuals, families and businesses.
Financial planning can appear complex, so at our initial meeting we will get to understand your current situation and needs.
We will clearly explain your options to help you achieve your financial goals — whether short-term or long-term.
We meet with you regularly so we can keep up to date with your financial situation and are available to support you should the unexpected happen. We will explain any tax changes that may be relevant to you.
We work with clients from all walks of life with a wide variety of planning needs, including:
- Savings and Investments
- Retirement planning and Pensions
- Tax-efficient investment vehicles
- Inheritance tax planning
We welcome feedback from our clients as this helps us improve our service.
We are proud to be part of The Openwork Partnership. They are one of the largest financial services networks in the UK who research an extensive range of products to produce a panel of providers for advisers to advise from.
How do we work?
Consultation
We will introduce ourselves and provide information about our business, how we would like to work with you, the intermediary services we can provide and the costs of those services.
A key part of the financial advice process is deciding what services you would like and agreeing how you would like to pay for them.
At this stage of the process, we will agree with you your priorities and the appropriate fees prior to commencing any work.
We cannot charge you a fee for work completed without your prior agreement.
Please ensure you are clear about the services you want and how you will pay for them before we proceed with any work that may incur a charge. We will not exceed a specified budget limit without first consulting with you and receiving your written commitment to proceed further.
The cost of this consultation will be covered by us.
Ongoing service
We aim to build long-lasting trusted business relationships with all our clients. An essential part of this is to continually review your arrangements. This is to ensure that they continue to match your goals and objectives and remain suitable at any given period throughout your financial planning lifetime.
Who regulates us?
We are an appointed representative of The Openwork Partnership, a trading style of Openwork Limited, Auckland House, Lydiard Fields, Swindon, SN5 8UB, which is authorised and regulated by the Financial Conduct Authority, 12 Endeavour Square, London, E20 1JN. Openwork Limited’s Financial Services Register number is 408285.
Openwork Limited’s permitted business is advising on and arranging mortgages, general and pure protection insurance and life insurance, pensions and investments.
You can check this on the Financial Services Register by visiting the FCA’s website www.fca.org.uk/firms/systems-reporting/register or by contacting the FCA on 0800 111
