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Manit Prasad

Financial Planning Consultant DipPFS, Cert CII (MP) in London

A little bit about Manit

I am a qualified Financial Adviser with over 20 years of experience in financial services, working across banking, investments, and advisory roles in both the UK and Australia. I offer clear and tailored advice across financial planning, including investment strategies, retirement planning, protection and estate planning. I enjoy building long-term relationships with a wide range of clients - whether they’re families, business owners, professionals, or individuals at the start of their financial journey. I believe in making financial advice accessible, personal, and empowering, helping clients make confident decisions about their future.

Find out more about me below.

* Estate planning is not regulated by the Financial Conduct Authority

Start the conversation

Whether you want to think about a gifting plan to help your family, or want to ask me about something else, I’m happy to help.
Contact me today

An adviser’s insight

Gifts that give back

Graphic of people exchanging gifts

December is often seen as the gifting season. But alongside the usual socks and chocolate gold coins, it might be worth planning a slightly bigger, longer-term present for your loved ones this year.

Inheritance tax (IHT) is notoriously complicated and can hit people with a big bill if it isn’t managed properly. It isn’t reserved for the very wealthy either. Dealing with IHT is a reality that many more families face after a loved one has passed - in what is usually an extremely vulnerable moment.

This is where using your gifting allowances can make a real impact on those around you. It’s a great way to share your wealth with the people you love while limiting their exposure to IHT. It does take a little bit of extra planning though.

Sitting down with an adviser like me can help you figure out where you want your money to go, and when. For instance, it might be more helpful to gift a family member a contribution towards their first home now, rather than leaving them a legacy.

Whatever you decide is best, we’ll find the most tax efficient way to do it.

Get in touch to find out more.

*Estate Planning and Inheritance Tax Planning are not regulated by the Financial Conduct Authority.

Autumn Budget

Summarising the key points from the Autumn Budget.

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Services

Holistic planning

Establishing and reviewing trusts, complete personal risk management planning, short- and long-term savings and investments.

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.

Pensions

Expert advice to help provide comfort in your retirement.

Protection

Whole of life and term assurance protection, private medical arrangements, critical illness insurance.

Income Protection

Permanent health insurance to provide a regular income should you be unable to work due to illness or injury.

General Insurance

Home contents insurance, buildings insurance.

Dental & Medical

Financial planning for dental and medical professionals, in-depth knowledge of NHS pensions and needs of hospital doctors, GPs, dentists and locums.

Qualifications

Diploma in Regulated Financial Planning

  • The Level 4 Diploma in Regulated Financial Planning from the Chartered Insurance Institute develops core technical and initial financial planning understanding.

Certificate in Mortgage Advice

  • The Certificate in Mortgage Advice (Level 3) meets the FCA standards for mortgage advisers. It develops an understanding of the sector and the mortgage process, and enables advisers to meet individual client needs.

More about me

My journey in financial services began over two decades ago and has taken me from banking and investment management roles in Sydney and London to becoming a fully qualified Financial Adviser with Quilter Financial Advisers. That breadth of experience has given me a deep understanding of the financial world and the many ways it can both empower and overwhelm people.

I’m passionate about helping clients gain clarity, structure, and peace of mind around their finances. Whether it's helping a family plan for their future, supporting a business owner through key financial decisions, or guiding a professional towards a more tax-efficient retirement, I work collaboratively with each client to build a tailored plan that reflects their goals and values. My approach is friendly and pragmatic. I believe financial advice should be personal and accessible - not filled with jargon and that long-term planning is most effective when built on trust and understanding.

I offer advice across all areas of financial planning, including investments, retirement, protection, estate planning, and mortgages. I hold a Level 4 Diploma in Regulated Financial Planning, and the Certificate in Mortgage Advice, from the Chartered Insurance Institute. Further to this I hold a Bachelor of Economics Degree from Macquarie University in Sydney and the Investment Management Certificate (IMC).

I’m based in North West London, where I live with my wife and two children. Outside of work, I enjoy keeping active, which helps trying to keep up my two rapidly growing children, and contributing to our local primary school as a governor

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 02 June 2026.