Using our unique low cost investment philosophy we can set up new or review and simplify existing investments. The most important aspect of retirement planning is making sure you have enough money on both a short term and long term basis. Cash flow modelling predicts when you can afford to retire. It might be sooner than you think!
You may feel that having spent the majority of your life working hard to create a legacy to benefit your family that paying further tax in the form of Inheritance Tax is wholly undesirable. Talk to us for advice on funding immediate care fees if you or a loved one needs long term care now. We can often secure income for the rest of ones life whilst protecting a legacy.
You may feel that having spent the majority of your life working hard to create a legacy to benefit your family that paying further tax in the form of Inheritance Tax is wholly undesirable. Talk to us for advice on funding immediate care fees if you or a loved one needs long term care now. We can often secure income for the rest of ones life whilst protecting a legacy.
Services
In order to help you understand perhaps a little better I'll tell you a very brief story. I know an 83-year-old lady who was brought up during the war in a time of rationing and who has been conditioned not to borrow and instead to save everything for her future. She was married but sadly her husband died of cancer at just 65 before they had TIME to start spending their money.
Married to his wife Jayne with two sons and a step-daughter, Tim lives in Reading and has been a financial planner since 1990. He now runs Time Financial Planning Ltd, which was originally set up in 2011 under the name Time Independent Ltd to provide Independent Financial Planning advice. Jayne Embleton is married to and lives with Tim in Reading.
We provide a truly personal service on a face to face basis. We are a small family owned and run business who support clients locally and the whole team is at your disposal to ensure that you get the service that you need. We provide specialist advice on all aspects of pensions and investments including long term care planning.
Investments should only be made by people who have sufficient cash reserves and are prepared to invest for the medium to long term, whilst taking a certain degree of risk. We can provide advice to cautious investors on the understanding that this usually leads to lower returns. Assuming that you meet this criteria then we will start by getting to know you and your goals and then assessing how much risk you are prepared to take.
We are Reading based professional financial planners who exist to encourage our clients identify their lifetime dreams and achieve these through the design of a sensible financial plan. In simple terms - we increase the probability of you achieving your goals. We show you in easy to understand terms your progress towards these goals through our regular review meetings.
Reviews (10)
David Culross
Sep 16, 2021
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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 you’re not confident in doing. I’m very happy with my choice of financial advisers.
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 you’re not confident in doing. I’m very happy with my choice of financial advisers.
Richard Chinn
Aug 16, 2021
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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
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Jayne Neville
Apr 16, 2021
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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
Christine Smith
Mar 28, 2021
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In times of worry, such as recessions, Brexit and a coronavirus pandemic, I always feel reassured when talking to Tim at Time Financial Planning Ltd. He explains clearly and honestly and the supporting figures are easy to understand. My 14 years of ethical investments through TFP has given me financial stability and growth as well as peace of mind and I highly recommend their services.
Kathryn Pinnick
Mar 01, 2021
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Positive: Professionalism, Responsiveness
Matt is such a great support to me. He takes care of everything so I know that my pension etc are under control and so I don't need to worry. He explains everything clearly in our review meetings and acts very quickly when any action or transaction is needed. Very easy to talk to - we always have a chat about our dogs too!
Matt is such a great support to me. He takes care of everything so I know that my pension etc are under control and so I don't need to worry. He explains everything clearly in our review meetings and acts very quickly when any action or transaction is needed. Very easy to talk to - we always have a chat about our dogs too!
Richard Hampton
Feb 25, 2021
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Tim has been providing financial advice for us for several years now. The service provided is always very professional and comes with a personal touch when evaluating our changing needs. We have found the financial planning of great benefit and the investment advice we have received has certainly delivered. Highly Recommended
John Kirwan
Feb 09, 2021
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Mark Brewer
Jan 07, 2021
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Time Financial Planning have been advising me for nearly 3 years now. I would thoroughly recommend them to anyone and in fact I have already pointed quite a few people in their direction. I totally trust their investment advice and particularly like their personal touch which makes you feel that your business is so very important to them which it absolutely is - not all advisers make you feel like that! Top people and if you need financial advice, they are definitely the people to go to.
Paul Barker
Nov 15, 2020
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I have had the benefit of advice from Tim and Matt over the past 7 years or so. They offer an excellent bespoke service, very professional and knowledgeable, always available for queries and catch up phone calls.
Everything is explained in layman's terms.
Very satisfied with the progress of my portfolio.
Everything is explained in layman's terms.
Very satisfied with the progress of my portfolio.
