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Nu-Ya McInnes

Financial Adviser DipFA, CeMAP in Bathgate

A little bit about Nu-Ya

I’m a qualified financial adviser with over 11 years’ experience helping individuals and families achieve their financial goals. I provide clear, tailored advice on retirement, investments, protection, and estate planning, supporting clients at every stage of life. By taking time to understand each client’s unique needs, I deliver practical solutions and long-term guidance. I’m committed to making financial planning approachable, professional, and effective for all my clients.  

Find out more about me below.

Start the conversation

Speak to me if you want to access potentially better interest rates for your cash savings and enjoy an extra financial boost.
Contact me today

An adviser’s insight

Graphic of people stood in front of phones showing the CashHub

Aim to maximise your cash savings

It might shock you to know that 28% of people hold their cash in interest-free savings accounts(1), receiving no return on their hard-earned money. Because under current rules a basic rate taxpayer can earn up to £1,000 in interest from their savings without paying tax, these people could be missing out on a significant financial boost that they could be enjoying.

This is even more relevant when you consider that the average person typically holds up to 25% of their available money on cash deposit(2). So, by reviewing your cash and tackling any ‘lazy money’, you’ll be making a great start at getting your finances in shape and achieving longer-term financial security.

If your money isn’t working as hard as it could, I can help. By making it easy to access potentially better interest rates, I can help you to aim to maximise your cash savings – giving you more money to spend on the things you enjoy or helping you grow your money towards a longer-term goal.

1 Building Societies Association Sept 2024
2 The Lang Cat: Cash as an asset class survey June 2024

Cash on deposit advice is not regulated by the Financial Conduct Authority.

Services

Holistic planning

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

Pensions

Expert advice to help provide comfort in your retirement.

Income Protection

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

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.

Protection

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

Business Services & Protection

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

Mortgage

First time buyers, remortgages, buy-to-let.

Qualifications

CeMAP Diploma - Level 4

  • The CeMAP Diploma elevates expertise and knowledge in mortgage advice.

Diploma for Financial Advisers

  • The Diploma for Financial Advisers from the London Institute of Banking and Finance is the primary award for financial planners that develops core technical understanding across a broad range of key financial planning areas.

Certificate in Pension Transfer Advice

  • Level 4 Certificate in Pension Transfer Advice develops the in-depth knowledge and practical skills by anyone seeking to advise on the transfer of safeguarded benefits, an increasingly important part of the advice process following the Government's pension reforms.

More about me

I’m Nu-Ya McInnes, a qualified financial adviser with Quilter Financial Advisers, bringing over 11 years of experience to individuals, families, and professionals seeking to secure and grow their financial future. My journey in financial services began with a passion for helping people make informed decisions about their money, and that commitment continues to drive my work every day.

Throughout my career, I have supported clients from all walks of life - business owners, company directors, NHS and public sector employees, and those just starting out on their financial journey. I believe that financial planning is for everyone, regardless of age or asset level. My aim is to make financial advice accessible, clear, and genuinely tailored to each client’s unique situation.

My areas of expertise include retirement and pension planning, investment advice, protection and insurance planning, mortgage advice, and inheritance tax and estate planning. I use advanced cash flow modelling tools to help clients visualise their financial future and make confident, informed decisions. Whether you’re planning for retirement, growing your wealth, or protecting your family’s legacy, I’m here to provide practical solutions and long-term support. Building strong, long-lasting relationships with my clients is at the heart of my approach. I take the time to understand your goals, concerns, and aspirations, ensuring you feel supported at every step. My clients value my hands-on support, depth of knowledge, and commitment to clear, actionable advice. As part of Quilter Financial Advisers, I have access to a comprehensive range of resources and the backing of a FTSE 250 company in Quilter PLC. This allows me to offer reliable, professional service with the security and stability you deserve.

I am fluent in Mandarin and able to support Chinese-speaking clients where needed, further broadening the scope of individuals and families I can assist. If you’re looking for a trusted adviser to help you navigate your financial journey, whether you’re just starting out or planning for the years ahead, I would be delighted to work with you. Please feel free to get in touch for a free initial consultation and discover how I can help you achieve your financial goals.  

Testimonials

Michael M
I had been planning to retire at 55 but was unclear on the best route to achieve this. As an Usdaw member I was aware that one of the member benefits was a free initial consultation with a Mercer adviser. I took advantage of this benefit which is when I was introduced to Nu-Ya. Nu-Ya helped me understand the different pension products I had and how best to achieve my goal of retiring at 55. Nu-Ya provided financial modelling which helped me in my decision making process. I have retained Nu-Ya’s services and am looking forward to our next financial review.

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 01 August 2022.