Tim Cockram

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 there 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.
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 practice in the advice sector and provided me with a new perspective of 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 Kellands Chetwood combined with a charging structure based on long term client relationship rather than short term initial commission 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

Financial Planning Certificate (FPC 1,2&3)
Certificate of Mortgage Advice & Practice (CEMAP)
Lifetime Mortgage and Home Reversion (CF7 & HR1)
Investment Principles, Markets and Environment (J06)
Long Term Care Insurance (CF8)

Family

I am married to Julie, a Primary School Teacher and live in Somerset with our two young sons aged 2 & 4. Over the last 13 years I have lived and worked in Devon, Somerset and the M4 corridor.

Interests

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

Kellands Chetwood Ltd is authorised and is regulated by the Financial Services Authority. FSA Firm reference number 195024. http://www.fsa.gov.uk/register Registered in England | Company No. 4021559