There's no wrong place to start.
A few minutes now could save years of guesswork later.
Do you have enough income for when you retire?
Have you got pensions scattered across old employers you haven't looked at in years?
Pension Planning →Is your money working as hard as you do?
Cash is right for emergencies and short-term needs, but over the long term inflation can erode it. The right balance depends on you.
Investments & Wealth →Could your family cope financially without your income?
Would your mortgage and bills still get paid if you couldn't work tomorrow?
Protection →Could your estate pass on more efficiently?
Planning ahead might help reduce inheritance tax, but this can come with trade-offs, such as giving up access to your money.
Inheritance Tax Planning →The person you'll actually be working with.
Before setting up independently, I spent over a decade in the industry, including advising clients for two of the UK's largest financial institutions, Aviva and Santander. Today, I combine that experience with the backing of an established team at Intelligent Financial Advisory, while keeping every relationship personal and direct – one adviser, from the first conversation to every review after.
Read My Full Story"Good advice isn't about products. It's about listening properly, then giving you options you can actually understand in plain English – so you can make a confident decision."– Harneil Panaich, Independent Financial Adviser
The providers behind the advice.
Not tied to any one of them – just independent advice, chosen from across the market.
A snapshot of the providers I can access – I'm not limited to this list.
Based in Leamington Spa, available across the UK
Three ways to work together, wherever you're based:
By Appointment – Leamington Spa
Face-to-face meetings at Victoria Colonnade, by appointment only.
Home Visits – Coventry & Warwickshire
Happy to visit clients anywhere across Coventry and Warwickshire.
Remote – Anywhere in the UK
Full advice by phone or video, documents handled securely online.