Skip to main content
Search

Sundeep Sindhu

Financial Planning Consultant DipPFS’ in the West Midlands

A little bit about Sundeep

I am a qualified financial planner through the Chartered Insurance Institute and provide personally tailored financial advice to businesses, families and individuals. Having worked in financial planning for over a decade, I have built up a wealth of knowledge and experience which can benefit you in the following ways:

- Helping you to get the most out of your pensions and retirement planning

- Ensuring you and your family are financially protected in the event of sickness, injury and death.

- Investment Advice.

- Reducing your tax liability in a legal and ethical manner.

I provide peace of mind that your finances are organised in the way that suits you, your family and your business.

Find out more about me below.

Start the conversation

Whether you want help getting your pension in a good place, or to ask me about another financial need you might have, I’m here to help.
Contact me today

Graphic of women standing on piles of coins increasing in height

How can you boost your pension pot?

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.

Here are three simple ways to make sure your pension is working its hardest for you.

1. Check up on it

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.

2. Look at your investment allocation

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.

3. Bump it up

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.

1Source: https://www.ftadviser.com/pensions/2023/10/26/one-in-20-savers-could-be-missing-out-on-lost-pensions/

2 Source: https://www.hrmagazine.co.uk/content/news/average-uk-worker-has-28-000-in-unclaimed-pensions

Business Services & Protection

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

General Insurance

Home contents insurance, buildings insurance.

Holistic planning

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

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.

Pensions

Expert advice to help provide comfort in your retirement.

Protection

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

Diploma in Regulated Financial Planning

  • The Level 4 Diploma in Regulated Financial Planning from the Chartered Insurance Institute develops core technical and initial financial planning understanding.

Sundeep's location

Birmingham
West Midlands
B20
United Kingdom

Sundeep is located in Birmingham and offers expert financial advice to suit your needs across the West Midlands and London.

I began my career as Maths teacher after completing a Mathematics degree. After deciding the classroom environment wasn't for me, I entered the financial planning industry, where I’ve spent the last 10 years, bringing an analytical and methodical approach to my clients financial planning needs. I understand the importance of financial planning advice and how much value a professional who puts their client’s needs first can bring. When first entering the industry, my first boss and financial planning mentor explained to me that: “if you treat every client the way you would want your parents to be treated by a financial planner, you will have a long and successful career” and that is very much the ethos I have kept throughout my career. I therefore take the time to get to know my clients and devote my energy to analysing and optimising their financial planning position and ensure they are not making expensive financial mistakes. Your financial planning position can include a number of areas such as:

  • Retirement Planning – Do you understand your current Pensions?
  • Protection – Financially protecting you, your family and your business against unexpected Life events.
  • Investment Advice – Are you investing in a diversified portfolio which reflects your appetite for risk?
  • Savings and Debt advice – Are you getting the right interest rate?
  • Estate Planning – Have you looked at your Will? Would you like to invest on behalf of your children?
  • Tax – Legally and Ethically reduce your tax liability. Take advantage of tax-free allowances.

Having an experienced professional review all of these areas on a regular basis, can add an immense amount of value to your financial position over time and prevent you from making expensive financial mistakes. A report in 2017, completed by the International Longevity Centre (ILC), showed that Brits who took professional financial advice enjoyed an average increase in their assets of nearly £48,000 after 10 years, compared to those who took no advice.

Whilst I am able and enjoy helping clients from all backgrounds, I specialise with business owners, who I believe have an even greater need for financial planning advice. As an experienced business owner myself, I intimately understand the challenges of the self-employed and enjoy using my expertise and experience to improve outcomes. Outside of work, I enjoy spending time with my wife Prani and our young daughter, Leonie. My wife is from Valencia in Spain and we therefore enjoy spending time travelling around Europe, when not at work.

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 22 August 2023.