Lingyu Wu

Can the right protection help you become more financially resilient?

Have you heard of the ‘protection gap’? You probably know someone who’s fallen into it.

Most of us know to get travel or pet insurance, or even just insure our mobile phone. But when it comes to really big life events, cover can easily get overlooked – causing a gap.

Far too many people aren’t properly protected against life-changing events, like losing their job or not being able to work because they’ve fallen ill. Which means that when these things do happen, they can have a much bigger impact than they need to.

Luckily, cover like income protection and critical illness can help people become more financially resilient. So, if you do have a financial shock, it doesn’t have to turn everything upside down. And it can be surprisingly simple and affordable.

If you’ve had a big milestone recently, or a change in your circumstances, it might be the right time to relook at your protection needs.

Reach out to me and I’ll be happy to help.

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.