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Nikita Stepanov

Financial Planning Consultant ACSI in London

A little bit about Nikita

I’m dedicated to helping professionals, entrepreneurs, and business owners feel more confident on their investing journey. I specialise in investment, tax planning, protection planning (personal and business), and retirement strategies - always tailoring my approach to your unique goals and circumstances.

My work isn’t just about numbers, it’s about creating clarity and peace of mind. I’ve seen how the right financial strategy can lift a weight off my clients’ shoulders, giving them the freedom to focus on what really matters in their lives and businesses.

As an Associate Member of the Chartered Institute for Securities & Investment, holding the Level 4 Investment Advice Diploma, I bring both technical expertise and a collaborative mindset to every plan. I’ll work alongside you to design strategies that not only support your ambitions but also give you confidence in your financial future.

Find out more about me below.

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.

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Services

Business Services & Protection

Commercial mortgages/remortgages, workplace pension and employee benefits. Commercial mortgages are by referral only.

Deals

Fixed rate deals, discounted, variable and flexible, capped and/or collared.

Dental & Medical

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

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.

Qualifications

Diploma in Investment Advice

  • The Diploma in Investment Advice provides a sound grounding in UK financial services and consumer relationships, including exchange traded futures and options and financial protection.

Location

Nikita's location

E14
London
United Kingdom

Nikita is based in London and offers expert financial advice to suit your needs.

More about me

Having run my own business, I understand firsthand the challenges that individuals and entrepreneurs face when balancing growth with financial security. This experience has given me a unique perspective on where people often need the most support - whether it’s protecting their business, making tax-efficient decisions, or planning for the future.

My approach starts with a simple conversation - an opportunity to understand your circumstances, priorities, and aspirations. From there, I carry out a comprehensive review of your finances, ensuring no stone is left unturned. The outcome is a tailored, tax-efficient financial plan designed to support you at every stage of life. I enjoy building long-term relationships, guiding clients through the ups and downs of their financial journey, and ensuring they make the right decisions at the right time. Whether you are an entrepreneur, a business owner, or a private individual looking to secure your family’s financial future, my role is to simplify the complex and provide clarity, so you can focus on what matters most to you.

Outside of work, I value time with my family and enjoy playing tennis and cycling. When my wife and I travel, I never pass up an opportunity to scuba dive.

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 01 August 2022.