Financial Planning Consultant ACSI in London
I believe good financial planning starts with understanding the person behind the numbers. With over five years of experience in the financial services industry, I work with individuals and families to help them make confident decisions about their future. As a holder of the CISI Investment Advice Diploma (IAD), I specialise in retirement planning, investments, and financial protection. My approach is based on listening carefully, planning thoughtfully, and providing advice you can trust.
In the UK, there are around 3.3 million pension pots that are considered as ‘lost’, containing an average of around £9,500 per pot*. Nobody wants to be missing out on money they have built up in a pension, 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. Investing can help your money grow over time, but the value of investments can go down as well as up.
If that sounds good to you, please get in touch.
Approver Quilter Financial Services Limited. June 2026.
Establishing and reviewing trusts, complete personal risk management planning, short- and long-term savings and investments.
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.
Whole of life and term assurance protection, private medical arrangements, critical illness insurance.
Home contents insurance, buildings insurance.
Commercial mortgages/remortgages, workplace pension and employee benefits. Commercial mortgages are by referral only.
Financial planning for dental and medical professionals, in-depth knowledge of NHS pensions and needs of hospital doctors, GPs, dentists and locums.
London
United Kingdom
Xiaoyu is located in London and offers expert financial advice to suit your needs.
Hi, I’m Xiaoyu - a Financial Adviser who believes that good financial planning should give you clarity, confidence, and peace of mind. With over five years of experience in the financial services sector, I have worked with individuals and families to help them make informed decisions and build long-term financial security.
My career began in banking, where I developed a strong foundation in insurance and retail financial products while working as a Customer Account Manager. I later moved into the UK insurance and wealth sector, advising clients on protection planning and supporting them in understanding their financial needs and priorities. These experiences have given me a solid understanding of how to build long-term client relationships and provide advice tailored to each person’s circumstances and goals.
I hold the CISI Investment Advice Diploma (IAD), demonstrating my commitment to maintaining high professional standards and providing advice that clients can rely on. My approach is straightforward — I take the time to listen, understand what matters most to you, and create a financial plan designed to support your goals both now and in the future.
As a bilingual adviser (Mandarin & English), I enjoy working with both UK-based and international clients, helping them navigate financial planning with confidence, particularly when dealing with complex personal or family situations.
Outside of work, I enjoy playing badminton, camping, and hiking. I like spending time outdoors and staying active, which helps me keep a balanced and positive approach both in life and in my work.
If you would like advice from a Financial Adviser who values clear communication, long-term relationships, and personalised planning, I would be pleased to help.
I aim to provide practical, straightforward guidance to help you feel confident about your financial future.
In advising you, I follow a simple and trusted 3 step process:
We will arrange a time to talk about your goals and plans.
I'll prepare a tailored plan which always takes full account of your goals, and gives you the steps and expert support from me to get there. All explained simply.
I'll be there as your financial adviser to give you the support you need.
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 Financial Services Ltd & Quilter Financial Ltd on 10 April 2026.
