Financial Planning Consultant in Manchester
Hello! I'm J'Nae, your bubbly and overly-passionate financial planner... I love talking and teaching about money. Why? Because I've witnessed the potentially life-changing impact of investing and good financial management.
As a keen investor and prudent manager of my own finances, I can tell you that life is definitely better in good financial health. I'm also a medical doctor. During my training, I became so hooked on this topic and known for my financial knowledge that I decided to swap my scrubs for financial statements (they can be very interesting). I have since obtained diplomas in financial planning, investment advice and, just for fun, accounting.
I also have a certificate in financial coaching, the skills from which I integrate into my advisory meetings - because your net worth isn't just numbers, it's also about your mindset.
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.
Commercial mortgages/remortgages, workplace pension and employee benefits. Commercial mortgages are by referral only.
Establishing and reviewing trusts, complete personal risk management planning, short- and long-term savings and investments.
Wealth management advice to make your money work as hard as it can for you, including making the most of any tax breaks available.
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.
Home contents insurance, buildings insurance.
Financial planning for dental and medical professionals, in-depth knowledge of NHS pensions and needs of hospital doctors, GPs, dentists and locums.
Manchester
United Kingdom
J'Nae is located in Manchester and offers expert financial advice to suit your needs.
I do have a life outside of stocks, money and financial journals too! CrossFit, Hyrox training, Muay Thai and cocktail bars are my things. As a competitive person, I do take your financial success personally. I will make sure that you get the best possible care and the best teaching. I am here to hold your hand throughout your journey and make sure that you don't miss out on opportunities to maximise your wealth.
Although I'm here to help everyone, people I help in particular are:
Special interests:
If you are looking for an adviser who cares about you and your aspirations, wants to see you wealthy, and prioritises probity over profit, get in touch!
Trust me, I'm a doctor.
*Inheritance tax planning is not regulated by the Financial Conduct Authority.
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 01 August 2022.
