Nicola Ruohonen

If it’s time for financial advice, I can help you

Coming into a sum of money can be exciting and overwhelming at the same time, especially if it’s sudden or unexpected. And while you’re trying to process all the emotions involved, you’ll probably have to make some important financial decisions as well.

Whether you’ve received an inheritance, a windfall, or a lump sum from work, having an adviser to help guide you and make a sensible plan can take away some of the stress and worry so you can focus on the benefits.

I can help you understand all the different options available to you, taking advantage of any allowances so your money works as tax-efficiently as possible.

I can also help you adjust your financial plans or make completely new ones by showing you how the choices you make today could impact your future.

Together, we can put your money to work in a way that helps you feel confident about the future.

Tax treatment varies according to individual circumstances and is subject to change.

Approver Quilter Financial Services Limited. April 2026.

My clients are at the very heart of my advice service. Together we shape a bespoke plan, personalised to their specific objectives, which evolve over time as priorities change. I make complex subjects clear and comprehensible, so informed and important decisions about one’s wealth can be made throughout life’s exciting and sometimes unpredictable journey.

Hampshire based most of my life, having also lived in London and Australia. Outside of work, my biggest lifelong passion is travel and experiencing new cultures, landscapes and cuisines. At the weekend, I enjoy socialising with friends and family, especially over meals out and dinner parties. I am a keen cook, and love trying new recipes, and also sticking to our family favourites.

Hobbies include putting my ‘gold’ rated mystery diner status to use and keeping active via walking, yoga and the gym. I also have an interest in property development, having done several refurbishments over the years, utilising the tax benefits of the limited company I set up.

As a mother of two very active tweenagers, I fully appreciate life is busy, so I am happy to offer meetings out of hours, and also face to face for those local. Please get in touch to arrange a no obligation initial appointment, whereby I will talk through your finances, objectives and next steps. I look forward to hearing from you!