Financial Planning Consultant DipPFS in Guildford
I help people build strong financial foundations so they can aim to grow their business, their family or their legacy, with clarity and certainty. My path spans the startup world, government policy, and now financial advice, so I understand irregular income, reinvestment over pay, and carrying responsibility for others. Becoming a parent sharpened that: money stopped being about the next few months and became about the next few decades. That's the lens I bring to my clients.
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.
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.
Expert advice to help provide comfort in your retirement.
Whole of life and term assurance protection, private medical arrangements, critical illness insurance.
Home contents insurance, buildings insurance.
Commercial mortgages/remortgages, workplace pension and employee benefits. Commercial mortgages are by referral only.
Guildford
Surrey
United Kingdom
Katrina is located in Guildford and offers expert financial advice to suit your needs.
Before moving into financial advice I worked in the startup ecosystem, first as an entrepreneur, later in government policy. I've built things from scratch, and I know what it's like to have irregular income, to reinvest instead of paying yourself, and to carry the financial responsibility not just for yourself but for everyone counting on you.
I'm a parent and former founder, so I know what it means to plan for a future that’s not just about you. When my son was born, my relationship with money changed completely. My timeline stopped being about the next few months and started being about the next few decades. I wanted to build a secure, durable future which gives me peace of mind and gives him a bright start in life.
That’s why I am a Quilter Financial Adviser : we are driven by the same mission, "Brighter Financial Futures for Every Generation". I want to help my clients build financial security that cascades through their families, from the oldest generation to the youngest.
I've seen what happens when people put off their own finances while they're busy prioritising everything else, a business, a family, a career. The cost of that delay is rarely obvious until it's too late to close the gap easily. In a nutshell, I simply love helping hard-working people build tailored plans for their future that makes the most of their money.
I spend most of my free time in the glorious outdoors. I like running, climbing hills, and playing tennis badly.
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 14 August 2026.
