Who we are

TISCO Financial Planning Limited is an established firm of chartered financial planners and employee benefits consultants providing independent financial advice to UK individuals, businesses and employees of those businesses.

TISCO are independent financial advisers meaning we are not tied to any particular provider or company. This means we can source the appropriate product and solution from the whole marketplace.

We provide financial advice to a wide range of individuals on a private client basis. This includes investments, portfolio creation and wealth management, mortgage advice and retirement planning advice. The latter includes pensions, pension transfers and Final Salary and defined benefit pension advice..

TISCO also provide advice to UK employers on employee benefits and other workplace benefits, including most types of workplace pension schemes, pension auto-enrolment and NEST pensions and the alternatives. Our corporate clients range in size from 5 to 8000 employees and we provide specialist financial advice and strategy to directors and employees.

We are based in St Albans, Hertfordshire and advise clients throughout the London the South East and the rest of the UK.

Please contact us and ask to speak to one of our advisers for more information on our services and how we may be able to help.

What We Are Good At

When you use a Chartered firm you are dealing with proven professionals. The CII is empowered by the Privy Council to award chartered status, and the award is only made in deserving cases. And while Chartered titles are steeped in history, they remain the benchmark of professional excellence and integrity.

Inheritance Tax Planning

TISCO can help and advise on the best way to structure your estate so it passes to your beneficiaries as efficiently as possible.

Pension Auto-Enrolment

Our corporate team can help UK businesses implement or review pension auto-enrolment strategy.

Employee Benefits

Our corporate team advice UK employers on all aspects of employee benefits and workplace pensions.

Wealth Creation

We work with you to understand your financial aspirations and then create your portfolio to achieve this.

Financial Advice

We offer a fully independent financial advice service, and will work with you to create and manage your financial masterplan.

Retirement Planning

We specialise in pre-retirement and at-retirement pension planning including pension consolidation and transfers.

Mortgage Advice

We offer independent mortgage and commercial loan advice for new purchase, remortgages and buy to let.

A Financial Masterplan

We will work with you to create your financial masterplan and then design an investment strategy and cashflow model to target this.

Protection & Insurance

We can review and arrange life and critical illness insurance, private medical insurance and income protection policies.

Chartered Financial Planner Award

We have been awarded the prestigious Chartered Financial Planners designation by the Chartered Insurance Institute (CII). This is the industry’s gold standard for firms of financial planners. It confirms that we have satisfied rigorous qualification criteria by retaining highly-qualified staff who subscribe to the membership conditions of the CII. It also involves a commitment to continuing professional development and adherence to an industry standard Code of Ethics. You can view the Code at www.cii.co.uk/code When you use a Chartered firm you are dealing with proven professionals. The CII is empowered by the Privy Council to award chartered status, and the award is only made in deserving cases. And while Chartered titles are steeped in history, they remain the benchmark of professional excellence and integrity.

Testimonials

To whom it may concern,

Since deciding to retire early in 2015, Tisco (mainly in the guise of Mike Denton with support from James Smith) have been of great assistance in helping me to decide what to do with the pension fund that I had with in the form of two GPP's and a Section 32 with Aegon / Scottish Equitable. After a number of meetings (both before and after my actual retirement), phone calls and correspondence to establish my exact requirements, a comprehensive report was produced by Tisco with a recommendation to transfer the funds into a new SIPP with Aegon Retirement Choices (ARC). A further meeting was held to review the report and agree on the actions required. The proposed transfer was then initiated by Tisco and I pleased to report that, since the transfer was actioned, I have seen growth of over 3% in the past 4 months.

I continue to have regular contact with, and support from, Tisco to help me to fully understand how to access information in respect of the SIPP and how to make sense of the various charges. The people I have dealt with at Tisco have always been very approachable and patient, attributes that are very important when dealing with someone like myself.

Mr J.M.

"I had used TISCO's services for many years but I needed their specific advice in connection with my need to find an investment vehicle for a pension share on divorce. In particular, I had a considerable amount of debt so I needed to be able to release some funds from that share as soon as possible. Mike and James came to my home and gave me clear advice both on that issue and generally in relation to my financial position going forward. As a result, a vehicle was found and I was able to release some funds on my 55th birthday which has helped to alleviate my debt problem. I am also very confident that with TISCO's continued support, my financial future is in safe hands and I have no hesitation in recommending them."

Mr C.F.

"Maureen and myself decided to retire 3 weeks ago. Prior to that we met with the staff at TISCO to discuss our pensions. We spent several hours with Mike Denton and James Smith sorting out the best way of utilising our pensions. They were most helpful and informative and very knowledgeable about all pension and investment aspects. We would like to thank you again for all your help."

Mr R.P. and Mrs M.P.

"I’m happy to confirm that I have always found Tisco to be very helpful, offering good advice and practical assistance regarding both my pension and my investment portfolio. I find it very reassuring that I can call whenever I have a concern, this was especially useful during my first year or so with my investment fund, something that was new ground to me."

Mr N.C

"I have known Tisco for a number of years now and they have always been there for my needs and very attentive. I decided to engage with them at a higher level last year and found their knowledge, dedication, professionalism and critically their advice to be invaluable. I would highly recommend any potential client to engage with Tisco to experience the great advise and services they offer, highly recommended."

Mr S.J.

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