Steven Sylvester-Ajudua

When is the right time to invest?

There’s always a degree of uncertainty when it comes to investing, so it’s natural for some people to feel nervous about it.

When the news is reporting stock market volatility, it’s understandable that some people might feel more cautious about investing. But including investments in your long-term financial plan is a smart way to give your money the best chance to grow.

Keeping money in cash might feel like a safe option, and having some money easily available is a sensible decision. But too much cash could end up costing you more because of inflation’s ability to eat away at the value of your savings. For example, when £10,000 is invested it can grow by 78% over 30 years, but if it was kept in a current account its value could actually reduce by 59%*.

There are lots of options when it comes to investing, and I’m here to guide you through them. I can help you decide things like which risk level is right for you, what types of investments to use to maximise your tax efficiency, and how to create an investment plan tailored to your circumstances and goals. I can also show you how different investment approaches could impact your finances over the long term.

If you’re thinking about how investing today can help create the life you want in the future, let’s talk about how I can support and guide you through the process.

The value of investments and the income they produce can fall as well as rise. You may get back less than you invested.

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

Approver Quilter Financial Services Limited & Quilter Mortgage Planning Limited. May 2025.

*Based on an annual average investment return of 5% and inflation at 3%.

With over a decade of experience, I believe each client’s journey is unique. I’m committed to delivering tailored advice grounded in genuine care, expertise, and forward-thinking solutions. I’ve built a reputation for cutting through jargon, providing clarity, and offering peace of mind—all while keeping you focused on achieving your goals.

Specialisms

I specialise in working with:

1. Veterinary and Dentistry Professionals: Partnering with businesses of all sizes, including major corporations, I have over 7 years of experience in understanding the unique financial needs of these industries.
2. Business Owners: Helping with key areas such as business protection, retirement planning, maximising business earnings, and succession planning to safeguard and grow your business.
3. Individuals and Families: Supporting those seeking peace of mind in their financial planning, with a particular focus on retirement and estate planning.

I understand the financial challenges and opportunities in these areas and work tirelessly to help my clients make informed, strategic decisions that support both personal and professional goals.

Whether you’re a healthcare professional, business owner, or family looking for reliable, long-term guidance, I approach each relationship with a focus on building lasting value. My services cover comprehensive financial planning, tax-efficient investment strategies, and support through life’s key milestones—so you can focus on what truly matters, while I take care of the details.

Outside of Advising

Outside of my advisory role, I’m committed to mentoring. I find great satisfaction in helping others—from secondary school students to young professionals in the financial industry—build confidence, resilience, and a foundation for future success. In my personal life, I enjoy staying active through football and fitness, spending quality time with my wife and Bengal cats, and unwinding with a good crime thriller. As a keen sports fan, I also keep up with a variety of sports.

Get in Touch

If you’re ready to take control of your financial future, let’s start a conversation. I offer an open, no-obligation discussion to explore how we can craft a financial plan tailored just for you. I look forward to being part of your journey towards achieving lasting peace of mind.

Succession Planning is not regulated by the Financial Conduct Authority.