About Us

TWM Ltd is a firm of financial advisers based in West Midlands, UK. We provide advice to both individuals and companies on many aspects of financial planning, through a long term approach of fully understanding our clients' needs, wants and aspirations and then prioritising objectives.

As independent advisers, our clients benefit from TWM Ltd being able to offer advice on the broadest range of products and services. Whether it be for investment advice, retirement planning, inheritance tax planning or simply reducing your costs; we can find you our appropriate/suitable product once we have assessed your needs.

We provide advice and help following a personal/business financial review which can take place at a convenient time and place. Usually a review will start with a very broad discussion of your concerns and aspirations, before moving on to a thorough financial review.

Following your initial review, we will take time to consider your situation, needs and priorities before writing a detailed financial report. We will discuss this face to face in a follow up meeting in which we'll fully explain our recommendations and agree affordable priorities to assist you in acheiving your objectives.

Our charges can be structured in several ways. Some of our clients prefer a fee-based approach, whilst others are more comfortable with a commission basis. Either way will result in our fully disclosing our fees in an open and transparent manner.

The Financial Conduct Authority does not regulate all forms of Inheritance Tax Planning

Tax treatment is based on individual circumstances and may be subject to change in the future.