Financial Planning Consultant DipFA, CeMAP®, CeRER® in Cambridge
I’m a qualified financial adviser with a master’s from Strathclyde Business School, the DipFA, and CeMAP. I support individuals and families with all aspects of financial planning - from mortgages and investments to retirement and protection. Using clear, visual planning tools, I help clients understand their options and make confident decisions about the future. My approach is personal and collaborative, building long-term relationships based on trust, clear communication, and advice tailored to each client’s goals.
In the UK, there’s an estimated £26.6bn1 in lost or forgotten pensions. That means the average UK worker is missing as much as £28k2 from their retirement money. 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.
If that sounds good to you, please get in touch.
The value of pensions and the income they produce can fall as well as rise. You may get back less than you invested. Tax Planning is not regulated by the Financial Conduct Authority. Tax treatment varies according to individual circumstances and is subject to change.
2 Source: https://www.hrmagazine.co.uk/content/news/average-uk-worker-has-28-000-in-unclaimed-pensions
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.
Commercial mortgages/remortgages, workplace pension and employee benefits. Commercial mortgages are by referral only.
First time buyers, remortgages, buy-to-let.
Financial planning for dental and medical professionals, in-depth knowledge of NHS pensions and needs of hospital doctors, GPs, dentists and locums.
Cambridge
United Kingdom
Lingyu is located in Cambridge and offers expert financial advice covering up to a 100-mile radius, including London.
With a master’s degree from Strathclyde Business School and the Diploma for Financial Advisers (DipFA), I bring both a strong academic foundation and practical expertise to my role as a financial adviser. I also hold the CeMAP qualification in Mortgage Advice, enabling me to provide tailored advice on residential and buy-to-let mortgages, whether in personal names or through Special Purpose Vehicles (SPVs).
I’m passionate about helping families and individuals navigate every aspect of wealth planning - from preserving and growing assets through tax-efficient strategies, to preparing for a secure retirement, and ensuring loved ones are financially protected. My priority is to create personalised financial plans that reflect each client’s goals and values, while ensuring they are regularly reviewed and adapted as life evolves. I pride myself on delivering advice that is clear, honest, and practical - whether in person or online.
Using cutting-edge financial planning software, I help clients visualise their future through bespoke models and scenario planning, empowering them to make confident, informed decisions. I also work closely with accountants and legal professionals to provide a seamless, holistic service. Building long-term relationships based on trust and open communication is at the heart of my approach. My aim is for every client to feel supported, fully informed, and in control of their financial future.
Outside of work, I enjoy spending time with my husband and our two children. I'm also an enthusiastic cook with a love for global cuisines. I find joy in experimenting with new recipes and learning about different cultures through their food - a passion I love to share with friends and family. I live in Cambridge and split my time advising clients locally, as well as in the Senator House office in the City of London.
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 Wealth Ltd, Quilter Financial Services Ltd, Quilter Mortgage Planning Ltd, Quilter Financial Ltd, Quilter Financial Planning Solutions Ltd & Lighthouse Advisory Services Limited on 27 August 2025.
