Financial Planner, ACSI in Kent
I am a Financial Adviser who believes good financial advice should make your life feel simpler, not more complicated.
For me, the most important part of the job is getting to know the person sitting opposite me. Everyone has different priorities, worries and ideas about what they want their future to look like, so I don't believe financial planning should ever feel like a one-size-fits-all exercise.
I help clients with investments, pensions, retirement planning and protection, but quite often my role is simply being the person they can pick up the phone to when they have a financial question or a decision they want to talk through.
I like to explain things in plain English, answer the questions people sometimes feel they should already know the answer to, and make sure clients understand what we're doing and why we're doing it.
Ultimately, my job is to help people make good decisions with their money and feel more confident about the future they're building.
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.
Kent
CT20
United Kingdom
Nick is located in Folkestone and offers expert financial advice to suit your needs.
Outside of financial advice, cricket takes up an unreasonable amount of my life. I play every week during the summer and am Vice Chairman of my local club, although my enthusiasm for the game is increasingly greater than my body's enthusiasm for playing it.
I also spend plenty of my spare time in France, where my family has a campsite in Normandy. It's a great change of scenery and usually provides a long list of jobs that nobody mentioned before I arrived.
Away from that, I'm usually reading, watching far too many films or going to the theatre, despite possessing absolutely no artistic talent myself. I'm also fascinated by history and have accumulated enough books and historical oddities to suggest that particular interest isn't going away anytime soon.
I enjoy meeting interesting people, hearing how they ended up where they are and finding out what they want to do next. Fortunately, that turns out to be a fairly useful characteristic for a financial adviser.
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 23 June 2025.
