Tom Hughes

Director and Chartered Financial Planner

"The things I love most about my job are meeting people and gaining an understanding of their lives and what they really want, seeing understanding dawn on people’s faces, and my colleagues."

Reviews and Ratings for Financial adviser Tom Hughes, York


Tom has been with PenLife since 2009, having worked in pensions since 2002, and over that time has amassed a wealth of knowledge. As a Chartered Financial Planner, Tom has helped hundreds of clients in all areas of advice. He specialises in Inheritance Tax and retirement planning, and is qualified to deal with Defined Benefit pensions.

Tom is well-versed in dealing with complicated tax and pension planning. He’s able to lay this out for clients in such a way that they gain valuable understanding and the confidence to move forward on the most suitable path.

Tom’s proudest moments as a Chartered Financial Planner are when he’s able to help people who are going through difficult times. He can offer real compassion and reassurance, and hopefully contribute more than just financial advice to get them through.

Rest and play

Tom lives in York with his wife Elena and daughter Isabella. Son Alessandro has abandoned the family to study at uni in London!

Tom loves spending time with family, preferably outdoors or in front of a BBQ. He loves reading when he gets the chance, having always been interested in history and even studying it at uni.

Tom also enjoys doing DIY on the house and in the garden. He loves the sea and getting the opportunity to go surfing, especially on the beach in Spain where his wife is from. It’s warmer there!

Tom in the spotlight

On an ideal weekend, you can find me:

Outside with my family – preferably up a mountain if I can persuade them.

My favourite holiday destination is:

Asturias, Paraiso Natural, Spain.

My favourite song to play in the car is:

‘Simple Man’, Lynyrd Skynyrd.

The first album I bought was:

Now 1

If I could be any fictional character, I would be:

John Blackthorn from the novel Shogun.

If I could turn any activity into an Olympic sport, I would win a medal in:


When the dessert menu arrives, I’m looking for:

Panna cotta.

The three qualities that draw me to new people are:

A sense of humour, honesty, and being unassuming.

My pet peeve is:

Leaving the lights on.

The best gift I’ve ever received is:

A ticket to go travelling the world.

The three people at my dream dinner party would be:

Whoever built the money pit on Oak Island.

The three small things that make my day better are:

Picking up my daughter from school, music, and sunshine.

Three things I haven’t done so far include:

Seeing Japan, learning how to lay bricks and plaster walls, and gold mining in the Alaskan wilderness.

Meet the rest of us

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