Financial adviser, protection
Ben Tomlin
I advise families on life cover, critical illness cover and income protection. I also built and sold a training company, and served as a firefighter while running it.
- CeMAP
- CeRER
- DipFA
- Directly authorised
- FCA firm 1055079
- IRN BXT01420
The short version
I advise on protection. Life cover, critical illness cover and income protection, built around what your household actually needs rather than read off a script.
That is what my FCA permissions cover, and it is what I do myself rather than pass on.
What I can advise on, and what I cannot
Worth being exact about this, because plenty of firms are vague.
I advise on these myself
- Life cover
- Critical illness cover
- Income protection
- Family income benefit
- Mortgage protection
We introduce you for these
- Mortgages
- Pensions
- Investments
- Equity release
- Wills and estate planning
You are told who the firm is before anything is passed on. I hold the equity release qualification so the introduction comes from someone who understands it.
How I got here
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Built a training company from nothing
UK Sports Training, incorporated 2010, started with no outside money and no debt. Sold to a PLC in 2019, the year it won Best Training Provider in London and the South East.
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Served as a firefighter
Alongside running the business. Shift work and a company do not leave much spare time, which is where the habit of getting things done properly came from.
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Passed CeMAP in 2017
Then CeRER and DipFA. The advice career started here.
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Set up That's Family Finance in 2019
The same year the training business sold.
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Went directly authorised
The firm now holds its own FCA permissions under reference 1055079, rather than operating under another firm's.
Why a quality assurance background matters to you
I held Level 4 Internal Quality Assurance and led Ofsted and awarding-body audits. We delivered into colleges and private providers rated Good or Outstanding, including Havering Adult College.
Audit work teaches you that the file has to stand up when somebody independent reads it. That is the same standard a protection recommendation has to meet.
Why we went directly authorised
Operating under another firm's permissions means their rules, their panel and their timescales. Holding our own means the advice, the process and the responsibility sit here.
It is more work and more scrutiny. It is also the reason there is nobody in between when something needs sorting.
Questions people ask
Who is Ben Tomlin?
A financial adviser and the founder of That's Family Finance, a protection firm in Woodford Green, Essex, working UK-wide. He holds CeMAP, CeRER and DipFA and advises on life cover, critical illness cover and income protection.
What can he actually advise on?
Protection and insurance only. That is what the firm's FCA permissions cover. For mortgages, pensions, investments and equity release he introduces you to a separately authorised firm and tells you who they are first.
How long has he been advising?
Since 2017, when he passed CeMAP. That's Family Finance was set up in August 2019.
What did he do before financial services?
He built UK Sports Training, incorporated in 2010 with no outside money and no debt, and sold it to a PLC in 2019. It won Best Training Provider in London and the South East that year. He also served as a firefighter during that period.
Is the firm directly authorised?
Yes. The firm holds its own FCA permissions under firm reference 1055079 rather than operating under someone else's. Ben's individual reference is BXT01420.
Where is he based, and does location matter?
The firm is registered at The Retreat, 406 Roding Lane South, Woodford Green, Essex IG8 8EY. Advice is given UK-wide by phone and video as much as in person.
Want a straight answer about your own cover?
There is no charge for a conversation to go any further.
Get in touchRead the protection guideThe regulatory bit, in full
That's Family Finance is a trading style of RB Ame Ltd, registered in England and Wales, company number 12147707. Authorised and regulated by the Financial Conduct Authority, firm reference number 1055079. Individual reference BXT01420. You can check the firm on the FCA Register.
We are authorised to advise on and arrange protection and insurance. We do not advise on mortgages, equity release, pensions or investments. Where one of those is right for you we introduce you to a separately authorised and regulated firm.
Nothing on this page is financial advice. It is general information. Get advice for your own situation before you act on it.
Protecting the mortgage is the part we advise on ourselves. Read how mortgage protection insurance works, including which type of cover suits which situation.