Thomas Caldwell

Hi, I'm Tom. I have worked in the Wealth Management industry for nearly 8 years, I started my time in the industry as a financial paraplanner where I played a vital role in supporting advisers in crafting detailed financial plans and conducting in depth research to ensure advice was suitable. Since then, I have achieved all the qualifications needed to become a qualified financial planner, and I hope to continue studying further to become a Chartered financial planner. My skills include assisting clients and businesses, with their financial needs by forming tailored financial plans around their circumstances and objectives. I am passionate about ensuring that my clients have adequate plans in place, and monitoring these plans moving forward to ensure they remain fit for purpose. I specialise in pensions planning, investments, financial protection, estate planning, intergeneration wealth, and employee benefits. I assist a wide variety of clients, from those just starting their investment journey, through to those in retirement and drawing and income from their investments. Financial planning is more than just 'a day job' for me, it is deeply personal. When I was younger, I saw first-hand how not having a financial plan in place can cause problems; and this has instilled a passion for me to help people live a comfortable, happy life, with peace of mind that I have helped them create a suitable and robust financial plan that is based on their unique circumstances. Outside of work, I love to spend time with my family and friends, often hosting food and drink. I became a father in 2023 to my amazing son, so it is fair to say that fatherhood is keeping me busy in and around seeing friends and family, but I love every single second of it. Thank you for taking time to read my profile, and I hope to speak with you soon. The value of an investment with St. James's Place will be directly linked to the performance of the funds you select and the value can therefore go down as well as up. You may get back less than you invested. An investment in equities does not provide the security of capital associated with a deposit account with a bank or building society. The levels and bases of taxation and reliefs from taxation can change at any time. The value of any tax relief depends on individual circumstances. Auto-Enrolment products are not regulated by the Financial Conduct Authority. This Partner/Partner Practice 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) for the purpose of advising solely on the Group's wealth management products and services, more details of which are set out on the Group's website at www.sjp.co.uk/products. The ‘St. James’s Place Partnership’ and titles ‘Partner’ and ‘Partner Practice’ are marketing terms used to describe St. James’s Place representatives. SJP Approved 27/01/2025