Financial Planning Consultant DipFA in Portsmouth
The best advice I can give? Choose a financial planner you genuinely connect with. Based in Portsmouth, I work with professionals, business owners and their families to build tailored, tax-efficient, and targeted financial plans that protect what matters most. My approach is shaped by a people-first mindset and 11 years in the Royal Navy, where focus and forward planning were essential. I hold a Diploma in Financial Advice from the London Institute of Banking & Finance.
In the UK, there’s an estimated £26.6bn1 in lost or forgotten pensions. That means the average UK worker is missing as much as £28k2 from their retirement money. 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.
If that sounds good to you, please get in touch.
The value of pensions and the income they produce can fall as well as rise. You may get back less than you invested. Tax Planning is not regulated by the Financial Conduct Authority. Tax treatment varies according to individual circumstances and is subject to change.
2 Source: https://www.hrmagazine.co.uk/content/news/average-uk-worker-has-28-000-in-unclaimed-pensions
Establishing and reviewing trusts, complete personal risk management planning, short- and long-term savings and investments.
Home contents insurance, buildings insurance.
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.
Commercial mortgages/remortgages, workplace pension and employee benefits. Commercial mortgages are by referral only.
Whole of life and term assurance protection, private medical arrangements, critical illness insurance.
Portsmouth
Hampshire
United Kingdom
Reuben is located in Portsmouth and offers expert financial advice to suit your needs.
The best part of my role? Connecting with my clients by taking the time to learn their story, to understand the life they’ve built, the goals ahead of them, and their financial landscape. We talk all areas of life and finance over a coffee, and together we build a plan that helps turn those goals and dreams into a viable reality.
But I also know from personal experience that life doesn’t always go to plan. When a close family member faced a critical illness, it became clear to me just how important having the right financial support in place really is, often more than we realise.
That’s why I take the time to dive deep into your story and the life you’ve created, so that when life does take a turn, you know you’ve got someone in your corner and a plan that can stand up to whatever comes next.
Finance can feel overwhelming. My job is to simplify it. I want you to leave every meeting with me feeling in control of your money and confident about your future.
I follow a four-stage process, with you at the centre, every step of the way. Initially we will meet to simply get to know each other, talk about your situation, goals and what support you’re looking for. We will then move to a financial review and explore all areas of your finances to build a complete picture of where you are now. I will then apply my expertise to the information you provide, creating a tailored, targeted and tax-efficient financial plan designed around your needs, which delivers against your goals. Together we will then review your plan, continuing to work together, so when your life changes, the plan changes, ensuring that your money is always working for you.
I work remotely, however in a digital world, I believe in face to face advice and will always facilitate this, where practicable.
I haven't always been a Financial Planning Consultant. Previously, I served in the Royal Navy for 11 years, spending much of that time based in Portsmouth onboard Type 45 Destroyers. I was deployed globally, experienced diverse cultures, and worked in high-stakes environments, experiences that I believe make me a dynamic and well-rounded adviser.
The highlight of my military career was receiving the King’s Commendation for Valuable Service in 2025, following a deployment onboard HMS Diamond in 2024.
I understand the challenges that service personnel face and am passionate about improving financial well-being within both the serving and veteran communities.
My family is my biggest driver in everything I do. Outside the office, I’m a dad, partner, brother, son, and friend. I enjoy walks with our needy Cockapoo, staying fit so I can feel guilt-free when exploring new food venues with my fiancée, and catching up with my brothers and friends. I’m not your typical financial planner on the golf course, you’re more likely to find me ringside watching boxing or mixed martial arts.
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 07 April 2025.
