Tim Sands

Chartered MCSI

Independent Financial Adviser


Financial Planning, Wealth Management, Investments, Pensions, Mortgages, Protection, Tax, Wills, Trusts, Power of Attorney, Corporate Planning.

Location : Merseyside

my expertise

I am an independent, Chartered Financial Adviser based in the North West, but service both private and corporate clients across the UK.

With over 20 years experience in financial services I have both financial planning and investment / fund management experience, where in a previous career I designed funds for institutional investors globally, such as the investment banks.

My role as a Chartered Financial Adviser however, is to work with both private clients and businesses to understand their lifestyle and business goals, and to develop a financial plan to meet these objectives. This plan is then revisited with the client each year (or more frequently) to measure its success and to ensure the plan is still appropriate to meet the changing needs of the client (and their family and business).

“I firmly believe Financial Planning is in fact Lifestyle Planning, focusing on delivering the client’s objectives and desired lifestyle regardless of market conditions and disruptive life events”.

Cash-flow modelling and stress testing often forms an integral part of a client’s plan, enabling them to understand the monthly cost of achieving a particular goal, and the range of outcomes / the impact on their lifestyle under different scenarios. Goal and objective setting is therefore crucial, for example understanding what level of income a client requires in retirement is fundamental to designing an appropriate solution.

 Stages of Advice I would cover on the [Life Events Timeline] are as follows:

Flying the nest, Looking to the future, Making Career Waves, Building a nest, Wedding bliss, Family ties, Growing you space, Ever growing family, Pension perfection, Secure – safe and invested,  Home is where the heart is, Fledglings take flight, New nests to build, Get most from the pensions, Reaching your pensions, Wills and wellbeing, Pension-pension-pension, Reducing your space, Release any equity.

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01432 343 322

Head Office – Hereford

Abacus Associates

Kemble House, 36-39 Broad Street,
Hereford. HR4 9AR

Abacus Associates Financial Services is a trading style of Tavistock Partners (UK) Limited which is authorised and regulated by the Financial Conduct Authority, FCA number 230342.

Tavistock Partners (UK) Limited is a wholly owned subsidiary of Tavistock Investments Plc.

Tavistock Partners (UK) Ltd trading as Abacus Associates Financial Services are only authorised to give advice to UK residents.

Registered in England Registered O­ffice: 1 Queen’s Square,
Ascot Business Park, Lyndhurst Road, Ascot, Berkshire, SL5 9FE, Company Number 04961992.

Will writing and some aspects of tax planning are not regulated by the Financial Conduct Authority.

Your home may be repossessed if you do not keep up repayments on a mortgage.

The firm is not responsible for the content of external links.

Abacus Associates