Financial Planning Consultant DipPFS, MBA in Uxbridge
With a Diploma in Regulated Financial Planning and membership in the Chartered Insurance Institute, I navigate the complexities of finance with precision.
Holding an MBA, I bring a strategic edge to my role, shaped by over six years of experience working with High Net Worth Individuals. My passion lies in crafting tailored financial solutions that secure and grow wealth, ensuring a prosperous future for my clients.
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.
Monisha’s expertise and personalised approach in financial planning have provided me with clear insights into my financial planning and helped me make informed decisions about my future.
I particularly appreciated her thoroughness and the way she addressed all my concerns with patience and clarity. I found our discussion to be highly informative and valuable. I highly recommend Monisha to anyone seeking professional financial advice. Her dedication and attention to detail are truly commendable.
Uxbridge
London
United Kingdom
Monisha offers expert financial advice to suit your needs, covering Uxbridge, Ruislip, and surrounding areas.
About Me: I am a highly dedicated and experienced financial professional with a strong passion for helping individuals and organisations achieve their financial goals. My career has been built on a foundation of sound financial knowledge, strategic planning, and a deep understanding of the unique needs of high-net-worth individuals (HNWIs) and public sector employees.
Early Education & Qualifications: My academic journey began with a focused pursuit of financial services, driven by an interest in helping others manage their wealth effectively. I hold a Diploma in Regulated Financial Planning, a qualification that has equipped me with a thorough understanding of financial planning principles, compliance, and the regulatory environment. This qualification is particularly important in the UK’s complex financial landscape, where regulatory changes and evolving consumer needs shape the industry.
I also hold an MBA, which has given me a broader strategic perspective on business and finance. The combination of my Diploma in Financial Planning and my MBA has allowed me to refine my expertise not only in technical financial planning but also in understanding broader business dynamics, leadership, and long-term growth strategies. Additionally, I am a Member of the Chartered Insurance Institute (CII), a prestigious professional body that upholds high standards in the insurance and financial services industry. This membership reflects my commitment to continuous professional development, ethical practice, and delivering exceptional service to my clients.
Professional Experience: With over six years of experience in financial planning, I have developed a comprehensive understanding of the complex financial needs of both high-net-worth individuals and public sector employees. Throughout my career, I have had the privilege of working with a diverse range of clients, each requiring tailored advice and bespoke strategies to navigate the intricacies of wealth management.
High Net-Worth Individuals (HNWIs): Working with high-net-worth individuals has given me the opportunity to assist clients with complex wealth management strategies, including investment management, tax planning, retirement planning, and estate planning. I understand the unique challenges faced by wealthy individuals - whether it’s optimising investment portfolios, managing tax liabilities, or ensuring wealth is preserved and passed on to future generations. My role often involves helping clients identify and achieve their long-term financial goals while minimising risks and navigating ever-changing financial markets. As part of my work with HNWIs, I place a strong emphasis on building lasting relationships. Trust and transparency are paramount, and I take pride in offering advice that is in the best interest of the client, ensuring their financial well-being is at the forefront of every decision.
Public sector employees: In addition to my work with HNWIs, I also specialise in providing financial advice to public sector employees. These individuals often face unique pension schemes, benefits packages, and career dynamics that require tailored financial strategies. From navigating public sector pension schemes to helping employees plan for retirement or manage their income streams effectively, I offer guidance that maximises the value of their benefits. My experience in this area has given me an in-depth understanding of the specific rules, restrictions, and opportunities available to public sector workers. Many of my clients in this sector appreciate my ability to translate complex financial concepts into practical, actionable advice that fits their specific circumstances.
My approach: In both areas of my expertise, my approach is always client-centered. I believe in taking the time to truly understand my clients’ personal goals, values, and aspirations. This understanding allows me to provide tailored, strategic advice that is aligned with their unique circumstances. I focus on building strong, trust-based relationships with my clients. I recognise that financial planning is not just about numbers - it’s about ensuring that clients feel confident and secure about their financial future. Whether it’s setting up a comprehensive investment strategy, planning for retirement, or managing risk, I work closely with my clients to develop actionable plans that are realistic and achievable.
Ongoing professional development: The financial services industry is constantly evolving, and I am committed to staying at the forefront of developments in the sector. In addition to my core qualifications, I regularly attend industry events, workshops, and seminars to keep up with the latest trends, legislation, and best practices. I am particularly focused on developments in sustainable finance, investment management, and tax legislation, as these areas are becoming increasingly important to my clients, especially those with more complex financial needs.
Personal philosophy & values: At the core of my practice is a commitment to integrity and professionalism. I believe that financial planning should be transparent and ethical, with the client's best interests always at the heart of every decision. I also value the importance of education - I make it a priority to ensure my clients understand the decisions we make together, empowering them to feel more confident and informed about their financial futures.
Outside of work: When I’m not working, I enjoy staying active and maintaining a healthy work-life balance. I’m a firm believer in lifelong learning, so I spend my free time reading about personal development and finance, as well as exploring new ideas for improving my service. I also enjoy travelling and spending time with my family and friends, making sure to unwind and recharge whenever possible.
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 16 January 2024.
