An Associate Partner Practice of St. James's Place Wealth Management

Tim Lowe & Associates

Tim Lowe

FPFS LLAA, Chartered Financial Planner
I have spent almost 20 years helping my clients make the most of their finances; providing professional face to face advice, usually in the comfort of their own home or office. During my long career I've continually developed my skills in all areas.


I’ve been in financial services since the beginning of 1992 when I joined Acuma, the financial planning arm of American Express. This gave me a grounding in the analytical approach to financial planning which I continue to employ.

In late 1993 I joined Friends Provident and during my 10 years with them I was promoted to the role of Senior Business Consultant, specialising in Pension and Tax Planning for businesses, including SSAS, SIPP and Group Pension Schemes.

In 2003 I left Friends Provident to become an Independent Financial Adviser (IFA) specialising in Investment Portfolio design and Inheritance Tax mitigation. Around this time I studied to complete my Advanced Financial Planning Certificate (AFPC) at that time the highest qualification available in the financial planning profession.

When the Chartered Insurance Institute announced the introduction of the Chartered Financial Planner qualification in 2005, I wanted to be one of the first to achieve this and studied hard to complete the required exams within 12 months.

In 2009 I was invited to join the reputable and highly successful St. James's Place Partnership where I now use my skills to advise individual and business clients on investment, retirement and tax planning issues.

I pride myself on developing long-term relationships with my clients. They regularly refer me to friends, family and colleagues who would benefit from my advice. If you know of anyone who may also benefit from my expertise please don't hesitate to refer me.
Prestigious industry status recognises the value I place on my development and gives clients the confidence that they are supported by one of the UK’s leading wealth professionals.


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We offer an excellent wealth management service which will help you achieve your goals

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Why Choose St. James's place?

We're not about selling products. We pride ourselves on building trusted, long-term relationships with clients - only by doing so can we truly understand our clients' immediate needs and future aspirations, and offer the quality, bespoke advice that they deserve.


St. James's Place Guarantee

St. James's Place guarantees the suitability of the advice given by members of the St. James's Place Partnership when recommending any of the wealth management products and services available from companies in the group, more details of which are set out on the Group's website.

The 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 The ‘St. James's Place Partnership’ and the titles ‘Partner’ and ‘Partner Practice’ are marketing terms used to describe St. James's Place representatives.