Tim Cockram (Chetwood Wealth Management)

 Chetwood Wealth Management Ltd

 

Our values and beliefs:

 

Independence - in all its forms. Independence of thought, independence from product providers when recommending a product to a client and striving to help others become financially independent, which in tomorrow's increasingly economically driven world will be the only real guarantee of creating and retaining an independent lifestyle.

 

Wealth creation - creating and conserving wealth for our clients is one of our primary aims. This goes hand in hand with financial independence.

 

Honesty - this extends not only to our clients and employees, but also in the transparent way we deal with others.

 

Simplicity - financial planning should be a good experience, which is easy for the customer to understand, not a confusing and jargon-filled nightmare. This means using the right method to deliver financial planning, which we believe for the vast majority of people is via face to face impartial and independent advice.

 

Our commitment to you:

 

Chetwood Wealth Management Limited is directly authorised and regulated by the Financial Services Authority (authorisation number 195024) to advise on investments, pension, and protection business.

I am able to offer independent advice on personal financial planning with the aim of protecting you and your family and preserving and growing your personal wealth. This would include pensions and retirement planning, tax planning, investment management, life and serious illness protection and mortgages.

 

Within my local team expertise is on hand to also offer trust planning and corporate financial planning.

 

Background

 

I can draw upon 13 years of varied experience of providing financial advice and dealing in the financial services market when making recommendations to you.

 

After completing a Geography degree at Loughborough University I embarked upon a 'fast track' course into financial advice working for the Bristol & West Building Society.

After several years a desire to offer 'Independent' rather than 'tied' advice took me to the mortgage broker John Charcol in Exeter and following a take over by Bradford & Bingley I spent five years working with them in Devon advising on mortgages and investments.

 

A brief stint in the high net worth division of Barclays was interesting but ultimately proved to me that the sales focus of a larger organisation is not always conductive to building a trusting business relationship with clients.

 

This was followed by nearly 4 years at Prudential representing the insurer in dealings with independent advice firms. This opened my mind to examples of both good and bad practice in the advice sector and provided me with a new perspective on the financial services market place.

 

I enjoy the face to face contact and satisfaction of advising clients. To do this as the financial advice sector evolves to an increasingly professional level represents an exciting time to be able to provide advice.

 

The risk based 'active' investment process employed by  Chetwood combined with a charging structure based on long term client relationship rather than short term upfront commissions is refreshing. A service offering pro-active portfolio reviews and rebalancing of client funds also fits with my own views about how to provide quality financial planning for the future.

 

 

Professional Qualifications

 

Diploma in Financial Planning

Financial Planning Certificate (FPC 1,2&3)

Personal Taxation (J01)

Investment Principles, Markets and Environment (J06)

Certificate of Mortgage Advice & Practice (CEMAP)

Lifetime Mortgage and Home Reversion (CF7 & HR1)

Long Term Care Insurance (CF8)

Financial Services, Regulation & Ethics (R01)

 

Professional Philosophy

 

I work on the principle that he would not recommend anything to a client that I would not be comfortable to recommend to a member of my own family. Using this basic guide I believe is a simple but effective principle in maintaining strong professional ethics.

 

Family

 

My wife is a Primary School Teacher and we live in Somerset with our two young sons aged 3 & 5.

 

Interests

 

Outside of the office I try to keep active and preferably outdoors, particularly anything involving water. I have kayaked across the Uk and Europe. These days I am more likely to be sail my racing dinghy or playing the dynamic sport of Canoe Polo. Further information is at the club site www.avoncanoepolo.com . I also enjoy Skiing, Reading extensively and spending time with my family.

 

Contact

 

01823 666809

07770 744869