Tom Williams - Financial Adviser & Wealth Manager

02/04/2026

Feeling overwhelmed by financial decisions? You’re not alone. It’s like standing in front of a crowded train station, unsure of which platform to choose.

That’s where tailored financial advice comes in. It’s like having a trusted guide who knows the best route for you.

When you have a plan designed for your needs, you can breathe easier knowing you’re on the right path toward your goals.

Less stress about money means more time to enjoy life - whether that’s spending time with family, planning a holiday, or simply enjoying a quiet evening with a good book.

Feeling secure about your financial future doesn’t just help with the numbers; it positively impacts everything else. You feel more confident, focused, and ready to tackle whatever life throws your way.

17/03/2026

✨Launch Day! ✨

Today is the day that Cleeve Financial Planning proudly presents its new branding and website! After generally feeling like a refresh was needed we took the decision to change things up. We hope you like our new look and feel.

We’re proud of what we’ve built, grateful to everyone who’s been part of the journey so far, and excited about what comes next.

Here’s to the next chapter. 🚀

02/03/2026

12/02/2026

𝐌𝐞𝐞𝐭 𝐌𝐚𝐫𝐥𝐨𝐰 🐾

Our Financial Adviser, Kieran O'Connor, and Paraplanner, Chloe Smith, welcomed this little guy home on 2nd January! He’s 15 weeks old and got his name after a visit to a client in Marlow, the lovely town by the River Thames. Already very much part of the family 💙

03/02/2026

Your financial plan should be as unique as your goals. After all, it wouldn’t make sense to follow a cookie-cutter approach when it comes to something so personal, right?

When it comes to financial aspirations, one size definitely does NOT fit all. Some people dream of buying a cozy home, while others are saving for their child’s education. And let’s not forget those who just want a nice little nest egg for retirement.

If you try to fit everyone into the same financial plan, it’s like trying to wear shoes that don’t fit. That’s where tailored advice comes in.

Take saving for your child’s university fees, for example. A generic plan might suggest saving a fixed amount each month. But what if you also want to travel with your family? Or maybe you’d prefer to invest in a smaller property first?

A good adviser will help you balance these aspirations, creating a plan that feels right for YOU. And remember, as life changes, so do your goals. Your financial plan should be flexible enough to adapt.

So, what are your financial aspirations?

30/01/2026

Retirement planning can feel like trying to solve a Rubik's cube blindfolded. You think you’ve got it all figured out, and then - whoops! - you’re back to square one.

Here are five questions you might not think to ask:

1. What do I actually want to do with my time?
You could spend your days napping or learning to juggle. What sparks joy?

2. How will I fill the gap if I stop working?
Will you miss the office banter or the free coffee? Find your new ‘water cooler’!

3. What about healthcare costs?
Spoiler alert: the NHS won’t cover everything. Think ahead to avoid surprises.

4. How do I keep my money safe?
Your savings shouldn’t be like a game of roulette. Consider options that fit your needs.

5. What legacy do I want to leave?
It’s not just about money; it’s about memories. What do you want to pass on?

Retirement isn’t just about the numbers; it’s about the life you want to live. What’s your retirement dream?

21/01/2026

Online safety isn’t just a “tech issue” but a life admin one.

We recently came across an article about reducing your digital footprint - essentially removing old accounts, unused apps and data that quietly sit online long after we’ve forgotten about them.

Why does this matter?

⚠️Old accounts and unused logins can increase the risk of data misuse

⚠️Personal information stored online often outlives its usefulness

⚠️Many people underestimate how much of their digital life is still accessible

Taking small, practical steps - like reviewing old accounts, tightening privacy settings, and being more intentional about what we share - can make a meaningful difference over time.

This isn’t about fear or going “off-grid”. It’s about being informed, aware, and in control of your online presence.

If protecting yourself (and your information) online matters to you, it’s well worth a read:
👉 https://www.4good-finds.com/p/how-to-delete-99-of-your-digital

This post is shared for general information only and isn’t intended as advice.

SJP Approved: 16/01/2026

19/01/2026

Ever felt like some professionals are speaking a different language? 🤔

You know, the kind where you leave the meeting thinking, "Did I just get a financial plan or a recipe for a soufflé?" 🍰

Here’s a cheeky tip: if someone’s using more jargon than a tech conference, it’s time to raise an eyebrow.

Look for clear answers, not smoke and mirrors. If you’re confused, it’s perfectly fine to ask for a plain English translation.

Stay savvy, and keep it simple! 🕵️‍♂️

08/01/2026

With the tax year-end approaching, now’s the perfect time to make the most of your ISA allowance and build lasting financial habits.

Whether it’s for your personal savings or long-term goals, proactively using your ISA allowance as part of a broader financial plan can make a meaningful difference to your future.

Start today to maximise your tax-efficient savings and head into the new tax year with confidence. https://cleevefinancialplanning.co.uk/

It’s about taking small steps now for greater financial freedom tomorrow.

The value of an investment can go down as well as up. You may get back less than the amount invested.

The favourable tax treatment of ISAs may be subject to changes in legislation in the future.

Cleeve Financial Planning is an Appointed Representative of and represents only St. James's Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority).

SJP Approved 14/10/2025

07/01/2026

What do the happiest retirees I’ve met all have in common? It’s not just a hefty bank balance or a fancy car parked in the driveway. Nope!

It’s those non-financial habits that keep their spirits high. Think of them as the key ingredients for a fulfilling retirement.

1. Purpose: They’ve got something to get out of bed for. Whether it’s volunteering, gardening, or perfecting their sourdough bread, having a purpose makes every day feel worthwhile.

2. Planning: Not just for finances, but for life! They’ve mapped out their next adventure or hobby, and they’re genuinely excited about it. It’s like planning a holiday, but the destination is joy!

3. Balance: They know how to mix relaxation with activity. Picture a lovely afternoon nap followed by a brisk walk. It’s all about finding that sweet spot between doing and unwinding.

So, if you’re dreaming of retirement, remember: it’s not just about the numbers. It’s about how you enjoy those years ahead.

What’s your retirement dream?

28/03/2024

How can you give your whole family a head start this year?

If you’re part of the ‘sandwich’ generation, juggling the demands of a young family and elderly parents can make you feel pulled in every direction financially. Developing practical ways to build a multi-generational financial plan can help improve everyone’s financial future: https://ow.ly/CeJx50R2ffe