Independent financial advice

Individual Financial Planning

Your gateway to financial freedom

Professional financial advice with over 30 years of experience. We look after a small number of private clients over the long term, with a plan built around each person's own goals.

View through a white arch onto the sea and a palm tree
30+years of experience
Personal Approach

People, not numbers.

The more of life moves online, the more a direct, personal relationship with your adviser is worth.

We work with a deliberately small group of clients and stay with them for the long term. Whether the goal is a secure retirement or passing wealth on to the next generation, every plan starts with a conversation about what matters to you.

Private clientsBritish expatsInternational familiesRetirement planningWealth for the next generation

Financial planning that lets you rest easy.

Our Aim

A firm foundation first. Growth on top.

01
Foundation

Sleep Test

Every investment has to pass one simple test: you should be able to sleep soundly while owning it.

02
Foundation

Protect Assets

Not losing money comes before chasing growth. Security is built through broad diversification, managed by experienced professionals.

03
Growth

Compounding

With the foundation in place, returns are left to build on themselves, year after year.

Pyramid diagram: Sleep Test and Protect Assets form the foundation; Compounding sits on top as growth
Reports

Our Reports

Once a month we publish a report to provide our opinion.

The reports below are a selection; any of these newsletters can be sent to you by email on request.

2026

  • SeptStock market v Commodities – Opportunity?
  • Aug"In our Time", Interest Rates, Commodities
  • Jun/JulReturn and risk and sleep test
  • MayHormuz is a turning point and not a good one
  • Aprvon Clausewitz "War is uncertainty"
  • MarImpact of Iran war on Gold and outlook
  • Jan/FebWar will see a great deal of wealth destruction

2025

  • Nov/DecBig gains on Gold over the last two years
  • OctForeign banks hold more gold – do you?
  • SeptOnly 1% gold … more coming!
  • AugTechnical analysis and gold?
  • Jun/JulUSA rate cuts coming, maybe too late!
  • MayDeciding when to take golden gains
  • AprInterest rates going lower – gold and bonds
  • MarWill President Trump "discover" the gold in Fort Knox?
  • Jan/FebDAX up but German economy is in recession, why?

2024

  • DecReview of last year and looking at 2025
  • NovUS Stocks v European Stocks 3 Standard deviation gap!
  • OctLabour budget, IHT, rented UK property – bad news!
  • SeptIt has started! Central banks lower rates
  • AugGlobal risks: Recession, War, Politics
  • Jun/JulPolitics and unpredictability lead to Gold
  • MayCentral banks to cut rates at last?
  • AprGold charts look very positive to $3,000 in 2025
  • MarGold moving up and Gold miner by 25%
  • Jan/FebBonds, Equities and FOMO

2023

  • DecInflation, Rates, Recession, Markets
  • NovChristmas Quiz: Capital or Income?
  • OctBillionaires Buying Bonds!
  • SeptCentral banks reducing rates; when? why? who benefits?
  • AugInflation, Interest rates, Nvidia price to sales ratio: Wow!
  • JulUK interest rate rises are going to cause pain!
  • JunCentral banks raising rates into a recession!
  • MayRecession risk? ECB is not worried
  • AprHow high will interest rates go?
  • MarCounting Gold in GB Pounds and Euros
  • FebCoca-Cola: burping dividend for 28 years
  • JanFormer Recessions and Gold

2022

  • DecRecession in 2023?
  • NovBond Markets do not Believe Central Banks
  • OctHigher Rates for Longer
  • SeptEven Gov. Bonds carry Risk
  • AugEuropean catastrophic energy policy
  • Jun/JulHail the mighty dollar
  • MayWhich assets performed well in the 1970s inflation?
  • AprWhere will the dollar go next?
  • MarCentral banks have lost control of inflation.
  • Jan/FebFood price inflation is going to get a lot worse.

2021

  • DecApple, Inflation and FTSE100.
  • NovECB confident that inflation will decline in 2022, I am not.
  • OctFlared trousers from 1970s did not cause inflation.
  • SeptNewtons first law of motion comes to mind.
  • AugInvesting in an inflationary world.
  • JunCommodities: higher highs and higher lows – Watch Out!
  • MayInflation: transitory or accelerating?
  • AprBetter a permanent income than to be fascinating: Oscar Wilde

2020

  • SeptCentral bank response to covid19: Buy more bonds.
  • JulS&P500 and endless QE.
  • MarThe quickest stock market fall ever!
  • JanMean reversion really hurts, best avoided!
Legal

Privacy Policy

General

The following gives a simple overview of what happens to your personal information when you visit our website. Personal information is any data with which you could be personally identified. Detailed information on the subject of data protection can be found in our privacy policy found below.

Data collection on our website

Who is responsible for the data collection on this website?

The data collected on this website are processed by the website operator. The operator’s contact details can be found in the website’s required legal notice.

How do we collect your data?

Some data are collected when you provide it to us.

Other data are collected automatically by our IT systems when you visit the website. These data are primarily technical data such as the browser and operating system you are using or when you accessed the page. These data are collected automatically as soon as you enter our website.

What do we use your data for?

Part of the data is collected to ensure the proper functioning of the website.

What rights do you have regarding your data?

You always have the right to request information about your stored data, its origin, its recipients, and the purpose of its collection at no charge. You also have the right to request that it be corrected, blocked, or deleted. You can contact us at any time using the address given in the legal notice if you have further questions about the issue of privacy and data protection. You may also, of course, file a complaint with the competent regulatory authorities.

General information and mandatory information

Data protection

The operators of this website take the protection of your personal data very seriously. We treat your personal data as confidential and in accordance with the statutory data protection regulations and this privacy policy.

If you use this website, various pieces of personal data will be collected. Personal information is any data with which you could be personally identified. This privacy policy explains what information we collect and what we use it for. It also explains how and for what purpose this happens.

Please note that data transmitted via the internet (e.g. via email communication) may be subject to security breaches. Complete protection of your data from third-party access is not possible.

Notice concerning the party responsible for this website

The party responsible for processing data on this website is:

Tim Underwood
Mail : Postfach 170532
60079 Frankfurt Main
Email: contact@timunderwood.com

The responsible party is the natural or legal person who alone or jointly with others decides on the purposes and means of processing personal data (names, email addresses, etc.).

Revocation of your consent to the processing of your data

Many data processing operations are only possible with your express consent. You may revoke your consent at any time with future effect. An informal email making this request is sufficient. The data processed before we receive your request may still be legally processed.

Right to file complaints with regulatory authorities

If there has been a breach of data protection legislation, the person affected may file a complaint with the competent regulatory authorities. The competent regulatory authority for matters related to data protection legislation is the data protection officer of the German state in which our company is headquartered. A list of data protection officers and their contact details can be found at the following link: https://www.bfdi.bund.de/DE/Infothek/Anschriften_Links/anschriften_links-node.html.

Right to data portability

You have the right to have data which we process based on your consent or in fulfillment of a contract automatically delivered to yourself or to a third party in a standard, machine-readable format. If you require the direct transfer of data to another responsible party, this will only be done to the extent technically feasible.

SSL or TLS encryption

This site uses SSL or TLS encryption for security reasons and for the protection of the transmission of confidential content, such as the inquiries you send to us as the site operator. You can recognize an encrypted connection in your browser’s address line when it changes from “http://” to “https://” and the lock icon is displayed in your browser’s address bar.

If SSL or TLS encryption is activated, the data you transfer to us cannot be read by third parties.

Information, blocking, deletion

As permitted by law, you have the right to be provided at any time with information free of charge about any of your personal data that is stored as well as its origin, the recipient and the purpose for which it has been processed. You also have the right to have this data corrected, blocked or deleted. You can contact us at any time using the address given in our legal notice if you have further questions on the topic of personal data.

Opposition to promotional emails

We hereby expressly prohibit the use of contact data published in the context of website legal notice requirements with regard to sending promotional and informational materials not expressly requested.

The website operator reserves the right to take specific legal action if unsolicited advertising material, such as email spam, is received.

Data collection on our website

Cookies

Some of our web pages use cookies. Cookies do not harm your computer and do not contain any viruses. Cookies help make our website more user-friendly, efficient, and secure. Cookies are small text files that are stored on your computer and saved by your browser.

Most of the cookies we use are so-called “session cookies.” They are automatically deleted after your visit. Other cookies remain in your device’s memory until you delete them. These cookies make it possible to recognize your browser when you next visit the site.

You can configure your browser to inform you about the use of cookies so that you can decide on a case-by-case basis whether to accept or reject a cookie. Alternatively, your browser can be configured to automatically accept cookies under certain conditions or to always reject them, or to automatically delete cookies when closing your browser. Disabling cookies may limit the functionality of this website.

Cookies which are necessary to allow electronic communications or to provide certain functions you wish to use (such as the shopping cart) are stored pursuant to Art. 6 paragraph 1, letter f of GDPR. The website operator has a legitimate interest in the storage of cookies to ensure an optimized service provided free of technical errors. If other cookies (such as those used to analyse your surfing behaviour) are also stored, they will be treated separately in this privacy policy.

Server log files

The website provider automatically collects and stores information that your browser automatically transmits to us in “server log files”. These are:

  • Browser type and browser version
  • Operating system used
  • Referrer URL
  • Host name of the accessing computer
  • Time of the server request
  • IP address

These data will not be combined with data from other sources.

The basis for data processing is Art. 6 (1) (b) GDPR, which allows the processing of data to fulfill a contract or for measures preliminary to a contract.

Legal

Disclaimer & Imprint

Disclaimer

ALL content displayed on timunderwood.com is an opinion and is for informational purposes only. No information presented on this website is to be considered financial advice of any kind.

We constantly check and update the information on this website. Despite all due care, data may have changed in the meantime. Therefore, we assume no liability or guarantee for the correctness and completeness of the information provided. We are not responsible for the content of websites that can be accessed via external links. Furthermore, we reserve the right to make changes or additions to the website at any time.

Nothing contained on our site constitutes a solicitation, recommendation, endorsement, or offer to buy or sell any securities or other financial instruments.

All Content on this site is information of a general nature and does not address the circumstances of any particular individual or entity.

Nothing on this site constitutes professional and/or financial advice, nor does any information on the site constitute a comprehensive or complete statement of the matters discussed.

The content and structure of this website are protected by copyright. The reproduction of information or data, in particular the use of texts, parts of texts or images is prohibited.

© timunderwood.com

General Information

Tim Underwood
Mail : Postfach 170532
60079 Frankfurt Main
Email: contact@timunderwood.com
Web: timunderwood.com

Tim Underwood is a member of the Chamber of Industry and Commerce (IHK) Frankfurt am Main, Börsenplatz 4, 60313 Frankfurt am Main, Fon: +49 69 2197-0 , Fax: +49 69 2197-1424, https://www.frankfurt-main.ihk.de/.

Financial investment brokers are active according to § 34 f Gewerbeordnung (GewO). The permission of Mr. Tim Underwood according to § 34 f Abs. 1 GewO was granted by Industrie- und Handelskammer Frankfurt am Main, Börsenplatz 4, 60313 Frankfurt am Main.

The permission of Mr. Tim Underwood according to § 34 d Abs. 1 GewO as an insurance broker (alternatively insurance agent) was granted by Industrie- und Handelskammer Frankfurt am Main, Börsenplatz 4, 60313 Frankfurt am Main.

Mr. Tim Underwood was registered by the Chamber of Commerce Frankfurt am Main, Börsenplatz 4, 60313 Frankfurt am Main as registration authority in the central register of intermediaries (www.vermittlerregister.info) according to § 11 a Abs. 1 GewO under the register number: D-F-125-3PVJ-69 (for § 34f GewO) and under the register number D-WB23-TXPTS-17 (for § 34d GewO).

Job title:

Financial investment broker according to § 34 f Abs. 1 GewO;
Insurance broker (alternatively: insurance agent) according to § 34d Abs. 1 GewO;
Federal Republic of Germany

Professional regulations:

§ 34 f Trade, Commerce and Industry Regulation Act
Financial Investment Brokerage Ordinance (FinVermV)
§ 34 d Trade, Commerce and Industry Regulation Act
§§ 59-68 German Insurance Contract Act (VVG)
Insurance Mediation Ordinance (VersVermV)

Contact via email:

contact@timunderwood.com