Thomas Lambert
Financial Planning Consultant with Mortgages DipFA, CeMAP®, PETR in Haslington
A little bit about Thomas
I provide holistic financial advice in Cheshire and the surrounding areas. I have worked in the industry for over 10 years for well known household names such as Lloyd’s Bank, Wesleyan Bank and St James’s Place. The main reason I became a financial planner was to help people make better decisions when it comes to their money. I enjoy helping clients build and preserve their wealth through tax efficient investing, protection and tax and retirement planning.
Start the conversation
Speak to me if you’re interested in preparing for tax year end, or just want advice on making your money go further.
Contact me today
Tackle tax year end with confidence
Tax rules can seem pretty impenetrable. With the new Budget, and so many different allowances and regulations to keep up with, it’s no wonder millions of us end up accidentally missing opportunities - equating to millions of pounds a year.1
In this case, ignorance really isn’t bliss. And by confidently preparing for tax year end, you can be sure you’re getting all the money you’re entitled to - whether that’s by saving as much as you can tax-efficiently or just using your allowances to their full extent.
I can go through your financial position with you, so you’re ready for tax year end on 5 April. Did you know, for instance, that only 1 in 7 savers fully use their ISA?2 Or that you could be one of the 2m couples3 who aren’t making the most of their marriage allowance?
Together we can make this tax year end something to celebrate, rather than pass by. Get in touch for your tax year end review, or a cashflow modelling session to understand your financial position better.
For ISAs, Investors do not pay any personal tax on income or gains, but may pay unrecoverable tax on income from stocks and shares received by the ISA managers.
Tax treatment varies according to individual circumstances and is subject to change.
Stocks and Shares ISAs invest in corporate bonds, stocks and shares and other assets that fluctuate in value.
2 Source: https://ifamagazine.com/just-one-in-seven-brits-use-their-full-isa-allowance-survey-shows/
3 Source: https://moneyweek.com/personal-finance/605717/marriage-tax-allowance
Approver Quilter Financial Services Limited & Quilter Mortgage Planning Limited. 17 December 2024.
Business Services & Protection
Commercial mortgages/remortgages, workplace pension and employee benefits. Commercial mortgages are by referral only.
General Insurance
Home contents insurance, buildings insurance.
Holistic planning
Establishing and reviewing trusts, complete personal risk management planning, short- and long-term savings and investments.
Dental & Medical
Financial planning for dental and medical professionals, in-depth knowledge of NHS pensions and needs of hospital doctors, GPs, dentists and locums.
Investments
Wealth management advice to make your money work as hard as it can for you, including making the most of any tax breaks available.
Income Protection
Permanent health insurance to provide a regular income should you be unable to work due to illness or injury.
Pensions
Expert advice to help provide comfort in your retirement.
Protection
Whole of life and term assurance protection, private medical arrangements, critical illness insurance.
Mortgage
First time buyers, remortgages, buy-to-let.
Diploma in Financial Planning
- The Level 4 Diploma in Financial Planning from the Chartered Insurance Institute develops core technical understanding across a broad range of key financial planning areas.
Certificate in Mortgage Advice and Practice - Level 3
- CeMAP is the benchmark qualification for individuals aspiring to become mortgage advisers. It gives the skills, knowledge and certifications to deliver mortgage advice and practice.
Level 6 Pension Transfers
- This module provides expertise on pension transfers and builds practical skills so that advisers can excel when making recommendations.
Thomas O.
I cannot recommend Tom enough - he provided a professional and personable service when I needed financial advice about my pension. Tom's knowledge was second-to-none - he was friendly and had no trouble explaining the options available to me clearly, as I had little knowledge of this subject. He worked around my schedule and was free to chat when I needed him - even if it probably wasn't convenient for him. An absolute pleasure from start to finish. Thanks again, Tom I cannot recommend Thomas highly enough. He explained everything clearly without jargon. He gave honest advice and listened to what I wanted.
Kirsty M.
I could not recommend Tom more, he is very personable, reliable and trustworthy. He will always go above and beyond to help his clients and ensure that they have the best advice and solutions for their needs.
He is very knowledgeable and informative and will keep you in the loop every step of the way. If you’re in the market for honest financial advice then look no further.
Lisa R.
We would highly recommend Tom!
We've had the pleasure of working with Tom for the past few months and his expertise and dedication have been invaluable in securing our mortgage.
He's super flexible, professional and full of knowledge! We wouldn't even know where to start and he guided us through it all and explained everything so patiently!
If I could give more stars then I would!
I pride myself on listening to my clients in order to create a bespoke plan, which is tailor made to meet your personal and financial goals and objectives. I provide advice, on what can often be complex subjects, without the use of industry jargon and at a level that my clients can fully understand.
I enjoy building long lasting relationships with my clients and endeavour to do this by providing a continuous service and committing myself to regularly reviewing and meeting my clients on an ongoing basis. I specialise in Pension Planning, Investments, Mortgages, Protection and Inheritance/Estate Planning.
I am married and have two Cockerpoo’s Charlie and Betty. In my spare time I enjoy spending time with my family and friends and have a keen passion for travelling. The main driving force behind doing a job that I love, is my genuine passion for helping others to shape their financial future for both them and their family, as after all family is the most important.
The Financial Conduct Authority does not regulate some employee benefits, tax planning, inheritance tax planning, estate planning, succession planning, trusts or some buy-to-let mortgages.
The guidance and/or information contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.
Registered Office: Quilter Financial Advisers, Senator House, 85 Queen Victoria Street, London, EC4V 4AB. Tel: 0207 562 5856. Registered in England and Wales. Registered number: 05693185. Lighthouse Financial Advice Limited, Senator House, 85 Queen Victoria Street, London, EC4V 4AB. Tel: 0207 562 5856. Registered in England and Wales. Registered number: 04795080.