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Will Ramirez

Financial Planning Consultant, DipPFS in Lincoln

A little bit about Will

I am a dedicated financial planner with Quilter Financial Advisers, passionate about helping individuals invest wisely, plan for a secure retirement, and safeguard their family's future.

Combining a fresh perspective with a commitment to personalized advice, I collaborate closely with clients to develop and implement financial strategies tailored to their unique goals and circumstances.

Find out more about me below.

Start the conversation

Your money won’t reach its goal unless it has a direction. But with a plan, it can work towards something better. I can help.
Contact me today

An adviser’s insight

Money needs a plan. Here’s where to start

Money doesn’t make decisions on its own. Left sitting in cash, it quietly loses value. That’s why money needs a plan. It’s not about being wealthy or knowing all the answers – it’s about giving your money direction. And in the UK, many people miss out simply because they don’t take that first step.

  • Most people in the UK save sporadically or leave money sitting in cash – missing out on growth.
  • Planning gives peace of mind. It turns uncertainty into clarity.
  • The earlier you start, the more powerful the impact – but it’s never too late.
  • Quilter’s purpose is to help build brighter financial futures. That starts with a plan.
  • Investing always carries risk. The value of investments can go up and down and you may get back less than you invested.

Making your money work for you

Why investing matters

  • Lazy money loses value over time – inflation chips away at it.
  • Investing little and often helps your money grow without needing to be an expert.
  • A plan helps you stay focused and avoid reactive decisions.

Inflation and ‘lazy money’

  • Inflation quietly erodes the value of your savings.
  • £10,000 in cash today could be worth significantly less in 10 years.
  • Investing helps protect your money from inflation and grow it over time.
Ready to build your plan? Contact me using the details above.

Services

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.

Qualifications

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.

Testimonials

Lucy

Will has provided us with some really helpful advice across a range of topics and services.

He took the time to listen and understand our goals and approach to finances. His advice was knowledgeable and targeted to our situation. He was patient in answering our questions and explaining some of the concepts.

We both feel much better equipped to make decisions about our finances and have a much better understanding of the range of savings and investment options available to us.

David

Following a change in personal circumstances I wanted to explore my options for financial investments. I had only spoken to, and used a financial adviser once in the past, so it was not something I was particularly knowledgeable or overly comfortable with.

Fortunately, Will was recommended to me. All the way from the introductory meeting, to ascertaining my goals and commitment levels, to presenting a plan - I found Will a breath of fresh air. There was no obligation, even after all the time he had spent putting two plans together for me, he was transparent from the get-go. After agreeing on a plan, he kept me updated right through the application process, explaining the need for due diligence and making sure the plan was the right one for me.

It’s daunting when you’re starting off with a financial commitment, I’m not a high earner or have excess money put aside, but Will managed to help me make an informed and confident decision, that best suited my circumstances.

I imagine you would be in safe hands dealing with Will whatever your level of investment, but I can strongly recommend him if you are in a position like myself, where you are new to it and just want what you do have to work as hard for your future as possible.

Katrina

Thank you so much for providing clarity. The pension options had been worrying me for quite some time. I now feel better prepared to plan for the future. Thanks for being easy to talk to and happy to explain any queries.

Location

Will's location

Lincoln
Lincolnshire

Will offers expert financial advice to suit your needs, covering Lincoln and surrounding areas.

More about me

I began my career working with young adults with disabilities, where I developed patience, empathy, and the ability to connect with people from all walks of life. I then transitioned to teaching mathematics at the secondary school level, honing my skills in communication, problem-solving, and mentoring.

While training as a financial planner, I also completed an electrical course to enhance my DIY skills, reflecting my commitment to lifelong learning. Outside of work, I stay active by running, going to the gym, and playing football, which keep me focused and energized.

Let’s connect—I’d love to help you achieve your financial goals!

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 01 August 2022.