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Meet Tom Hughes

Director/Chartered Financial Planner

At work

Tom has been with PenLife since 2009, having worked in pensions since 2002, and over that time has amassed a wealth of knowledge. In 2023, Tom achieved his Chartered status. With his unquestionable experience, as Senior Financial Planner, Tom has helped hundreds of clients in all areas of advice; specialising in Inheritance Tax and Retirement Planning (specialising in Pension Transfers). Tom is well versed in dealing with complicated tax and pension planning, while being able to lay this out for clients in such a way that they gain valuable understanding and confidence to move forward together on the most suitable path. Tom’s dual role sees him on the Board of Directors and he is responsible for protecting the interests and viability of the company in order to guide it towards a successful future.

At home

Tom lives in York with his wife Elena and two children, Alessandro and Isabella, whom they try to tire out constantly with tennis, swimming, rambling in the countryside and searching for a good Sunday lunch! In rare times of peace and tranquility, Tom loves to read and really enjoys DIY.

The important stuff

All regulated financial advisers firms must be authorised by the Financial Conduct Authority (FCA) and therefore appear on their register. You can find PenLife’s entry here.

Furthermore, all advisers must have an up-to-date Statement of Professional Standing (SPS). This shows they are suitably qualified. You should be wary of any advisers who refuse to provide copies of their SPS. If you wish to see any copies, you can request this over the phone or via email using the information on the Contact Us page.

Reviews and Ratings for Financial adviser Tom Hughes, York

Ms Miller

Lifetime allowance protection

Ms Miller was an NHS doctor who simply didn’t have enough time to manage her finances on her own. She came to us for general financial planning, but it emerged that she had a serious Lifetime Allowance problem. It was then our job to help her strategically avoid this tax charge.

Read more

"Our adviser, Tom Hughes, is excellent. You are one of the best financial adviser firms, if not the best in the north of England."


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