Financial Planning Consultant ACSI in West Byfleet
With nearly two decades of experience in the finance industry, I bring a depth of knowledge and perspective to my role as a financial adviser. I am passionate about building long term relationships and take a holistic, client-centred approach to financial planning. I work closely with clients to understand the full picture of their financial lives, from immediate priorities to future ambitions; helping them make clear and confident decisions that reflect both their goals and the lifestyle they want to achieve.
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.
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.
Home contents insurance, buildings insurance.
West Byfleet
Surrey
United Kingdom
Panida is located in West Byfleet, Surrey, but also works in London offering expert financial advice to suit your needs.
Before becoming a financial adviser, I built my career within global investment banks and a leading credit rating agency after graduating with a Master’s Degree in Finance from Imperial Business School in 2004. During this time, I advised clients on complex financial strategies, liquidity management and risk analysis; experience that continues to shape my structured and analytical approach today.
My areas of expertise include pension and investment planning, where I help clients achieve long term growth and sustainable income in retirement, while providing tax efficient strategies, asset protection, inheritance tax and intergenerational wealth planning to safeguard and optimise their wealth.
Outside of work, I enjoy an active lifestyle and regularly go to the gym, run and practise Pilates. I am a qualified Pilates instructor and personal trainer. I value balance, wellbeing and financial resilience, and these principles influence how I help clients build sustainable long term financial plans.
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 25 February 2026.
