Financial Planning Consultant DipPFS, Cert CII (MP) in Maidstone
Making big financial decisions can feel overwhelming - but it doesn’t have to be. I help people like you turn uncertainty into clear, confident plans, bringing genuine empathy and care to every step. With an MA in Finance and experience in portfolio management, I support clients through key life transitions - buying a home, starting a family, preparing for retirement, or navigating divorce or bereavement - helping you feel more in control of your money and future.
In the UK, there are around 3.3 million pension pots that are considered as ‘lost’, containing an average of around £9,500 per pot*. Nobody wants to be missing out on money they have built up in a pension, but there’s good news - this kind of financial hit is completely avoidable.
This one might seem obvious, but it’s easy to lose track of your pension pots, where they are, and what they’re doing. If you make a note of your pension providers, and check your pot(s) regularly, you’re far less likely to lose one of them over time.
Your investment allocation is where and how you’re investing your pension. Often, people will just use their pension provider’s default setting. But this might not actually be right for your retirement goals and risk profile. So, it’s a good idea to revisit this every few years.
If you’ve had a windfall recently, like a pay rise, bonus, or inheritance, putting a portion of it into your pension is a good idea. Not only is it tax-efficient, but you’ll be glad when your retirement comes around.
As an adviser, my role is to help you get all of this done simply, with all the facts and information you need. That might be helping you review your risk profile, consolidating old pension pots, or making a plan to help you retire early. Investing can help your money grow over time, but the value of investments can go down as well as up.
If that sounds good to you, please get in touch.
Approver Quilter Financial Services Limited. June 2026.
Establishing and reviewing trusts, complete personal risk management planning, short- and long-term savings and investments.
Expert advice to help provide comfort in your retirement.
Whole of life and term assurance protection, private medical arrangements, critical illness insurance.
Permanent health insurance to provide a regular income should you be unable to work due to illness or injury.
Wealth management advice to make your money work as hard as it can for you, including making the most of any tax breaks available.
Commercial mortgages/remortgages, workplace pension and employee benefits. Commercial mortgages are by referral only.
Maidstone
Kent
ME14
United Kingdom
Andrzej is located in Maidstone and offers expert financial advice to suit your needs.
Money is rarely just about numbers - it’s often about life’s most important decisions. My role is to help make those choices clearer, calmer, and more confident for you. Good financial planning starts with understanding the person behind the numbers. I take time to listen and explore what matters most to you - your values, motivations, and relationship with money. This helps you gain clarity and feel more in control of the decisions that shape your future.
I guide clients through milestones that matter most, as well as more complex transitions such as divorce, inheritance planning, and other significant life changes, helping them navigate uncertainty with empathy and care. Every plan we build together is practical, flexible, and tailored to your unique needs - helping your money work for the life you want and giving you peace of mind for the future.
When I’m not planning for the future, I’m co-parenting my two brilliant kids, flying gliders, riding motorcycles, or tackling a marathon (once was enough, thanks!). I meditate too - mostly to survive raising a teenager.
In advising you, I follow a simple and trusted 3 step process:
We will arrange a time to talk about your goals and plans.
I'll prepare a tailored plan which always takes full account of your goals, and gives you the steps and expert support from me to get there. All explained simply.
I'll be there as your financial adviser to give you the support you need.
The Financial Conduct Authority does not regulate some employee benefits, tax planning, inheritance tax planning, estate planning, succession planning, trusts or some buy-to-let mortgages.
The guidance and/or information contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.
Registered Office: Quilter Financial Advisers, Senator House, 85 Queen Victoria Street, London, EC4V 4AB. Tel: 0207 562 5856. Registered in England and Wales. Registered number: 05693185. Lighthouse Financial Advice Limited, Senator House, 85 Queen Victoria Street, London, EC4V 4AB. Tel: 0207 562 5856. Registered in England and Wales. Registered number: 04795080.
Quilter Financial Planning Network only: This financial promotion was approved by Quilter Financial Services Ltd & Quilter Financial Ltd on 29 October 2025.
