Independent Financial Advice

This website is aimed at UK residents only, The content of the pages is for information only and is subject to change without notice. The use of any material on this website is entirely at your own risk for which we shall not be liable. If you would like further information please click on the link below.

Dore Financial Ltd is an appointed representative of The On-Line Partnership Limited which is authorised and regulated by the Financial Conduct Authority. Registered office address The Old Co-Op, 69 High Street Dodworth, Barnsley, South Yorkshire, S75 3RQ. Registered in England & Wales, Reg No: 05780378. The On-Line Partnerships Limited’s FCA registration number is 1926383

Both can be checked on the FCA website www.fca.org.uk/register or contacting the FCA on 0800 116768

ABOUT US

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Timothy Couldwell APFS

Founder and Managing Director

A highly experienced Independent Chartered Financial Adviser. Tim works with a broad range of clients but treats all with the same level professionalism and will often go the “extra mile” for a client. He specialises in Pension and Investment advice but also has the ability to look at a client’s situation from a holistic view point. He will work closely with other professionals such as an accountant or solicitor if their services are deemed appropriate.

Areas of Expertise:

Personal Pension review
Occupational Pension review including transfer analysis using the latest proprietary software
Advise on the new pension “freedom” legislation and how to best structure your pension
Auto enrolment (NEST) Working with a team of specialist, we can establish an appropriate scheme for you
Investments, review existing investments and advise on suitability with regards to risk, performance and charges
Review of investment platforms, are your investments held on the most appropriate platform
Tax planning
Equity release

Colette McCarthy

Administration for Dore Financial Ltd

Providing administrative support including; financial report writing, website maintenance, research and assisting on marketing projects.

Colette has a solid background in providing support having worked on the operational side of hospitality for the Rugby World Cup in 2015. Her support has ranged from working with board members, CEO's, Charity Trustees and various celebrities. All presenting a range in support, which has lead to developing a range of support that is professional, dependable and adaptable.

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More about us

Please click on the button below to download our information pack to learn more about our services and costs

Warning Auto Enrolment and Tax Planning advice is not regulated by the Financial Conduct Authority’

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OUR SERVICES

Pension Planning

Investment Process

Prudent investment planning can help achieve a more profitable return on capital and massively improve tax efficiency, rather than simply holding funds in a deposit based savings account.

Although the idea of investing in real assets to provide for financial security is gaining wider acceptance, for the would-be investor, finding the most appropriate investment can be a daunting prospect.

Hollistic Financial Advice

Planning can leave you with the peace of mind that your finances are under control, and help you achieve your financial objectives.

Sensible pension planning can help facilitate a more profitable and comfortable future retirement. Pension reforms have given us all more freedom in how we use our pension savings. However, this greater choice can mean greater uncertainty over what to do. Retirement income will depend on several major financial decisions ranging from planning a pension many years in advance, to deciding how best to invest accumulated funds both over the years preceding and at the point of retirement.

TESTIMONIES

"We used Tim for our mortgage application as first time buyers and for our life insurance policies on recommendation from a family member. We are so grateful for all the help and advice he has given us, he truly went above and beyond and we couldn’t have asked for any more. We have been so impressed and will definitely use Tim again in the future for any financial concerns"

Emily Withers

Nurse

"Tim is able to provide practical, independent financial advise and has the patience and expertise to simplify what appears to be complicated information that is full of financial jargon. He takes a genuine interest in his clients and is always quick to respond. Tim has a great combination of knowledge, expertise and emotional intelligence which enables him to empathise and understand his clients needs."

Cheryl Thomas

Director of CJM HR Consultancy

“A speedy and efficient service, when time was of the essence.”

Mr M. South

Yorkshire

"I came across Tim in early 2015, to be honest pretty much by chance. But sometimes one is just lucky. Tim is everything I would ever want in an Independent Financial Advisor and much more too. Tim is extremely knowledgeable, but that of course goes without saying. What marked Tim out for me was his practical and pragmatic approach to advice given and then the efficient way that advice was implemented. I never have to chase Tim – he always does what he says. I never have to explain things twice: Tim just gets it and gets on with it. And the icing on the cake, unusual for many advisers these days – is I actually get real solutions from Tim that solve the issues at hand. I could not recommend Tim more highly. "

Nigel Payne

Non-executive chairman of Gateley (Holdings) plc

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