Financial Adviser, DipPFS
I’ve spent the last six years immersed in the property world, experiencing first-hand what it takes to grow, protect and structure wealth. That journey shaped my approach to financial advice: practical, strategic and always tailored.
I now work with investors, developers and professionals who want clear, long-term guidance rooted in real-world experience. Whether it’s planning for retirement, protecting assets, or building a portfolio. I help clients feel confident in their financial direction.
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
Commercial mortgages/remortgages, workplace pension and employee benefits. Commercial mortgages are by referral only.
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.
Cardiff
Wales
United Kingdom
Ved is located in Cardiff and offers expert financial advice to suit your needs.
My background in property taught me one key lesson early on, real financial clarity only comes when advice is aligned with your lifestyle and long-term goals. I bring that belief into every client conversation.
Having worked with investors, developers and professionals over the years, I understand the importance of building strategies that don’t just look good on paper but work in practice. Whether you're growing a portfolio, planning for retirement, or navigating tax-efficient structures, I’m here to support you with clear, actionable and forward-thinking advice.
My qualifications include an MBA in Finance & Project Management, DipPFS, and certifications in Lean Six Sigma and International Trade Finance. But more than credentials, it’s my dual experience, on the ground in property and in strategic financial planning, that sets my approach apart. Clients value that I make the complex simple, offer a structured path forward, and am always working in their best interest. I believe good advice is never rushed, never generic, and always delivered with care. Financial planning should feel empowering, not overwhelming. That’s why I treat every client relationship as a long-term partnership, because your financial world deserves that level of commitment.
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 23 July 2025.
