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Zak Giannini

Financial Adviser DipPFS, Cert CII(MP) in Bath

A little bit about Zak

You work hard for your money. Your money should work just as hard for you. As a Financial Adviser, I believe your money should reflect the life you're working so hard to build. I’ll work closely with you to build a tailored plan that reflects your goals, your values, and the life you want for yourself and those you care about. Whether it’s protecting what you’ve built or growing what you’ve earned, I’m here to help you make confident decisions about your future.

Find out more about me below.

Start the conversation

Whether you want to think about a gifting plan to help your family, or want to ask me about something else, I’m happy to help.
Contact me today

An adviser’s insight

Gifts that give back

Graphic of people exchanging gifts

December is often seen as the gifting season. But alongside the usual socks and chocolate gold coins, it might be worth planning a slightly bigger, longer-term present for your loved ones this year.

Inheritance tax (IHT) is notoriously complicated and can hit people with a big bill if it isn’t managed properly. It isn’t reserved for the very wealthy either. Dealing with IHT is a reality that many more families face after a loved one has passed - in what is usually an extremely vulnerable moment.

This is where using your gifting allowances can make a real impact on those around you. It’s a great way to share your wealth with the people you love while limiting their exposure to IHT. It does take a little bit of extra planning though.

Sitting down with an adviser like me can help you figure out where you want your money to go, and when. For instance, it might be more helpful to gift a family member a contribution towards their first home now, rather than leaving them a legacy.

Whatever you decide is best, we’ll find the most tax efficient way to do it.

Get in touch to find out more.

*Estate Planning and Inheritance Tax Planning are not regulated by the Financial Conduct Authority.

Autumn Budget

Summarising the key points from the Autumn Budget.

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Services

Holistic planning

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

General Insurance

Home contents insurance, buildings insurance.

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.

Business Services & Protection

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

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.

Certificate in Mortgage Advice

  • The Certificate in Mortgage Advice (Level 3) meets the FCA standards for mortgage advisers. It develops an understanding of the sector and the mortgage process, and enables advisers to meet individual client needs.

Location

Zak's location

Bath
United Kingdom

Zak is located in Bath and offers expert financial advice to suit your needs.

More about me

You work hard for your money. Your money should work just as hard for you. I help people take control of their finances and make confident, well-informed decisions that align with the life they’re building. My work covers the full picture from retirement planning and investing, to protecting your income and legacy. But no matter the topic, it always starts the same way: understanding your priorities, your goals, and what really matters to you.

Before moving into financial planning, I played rugby at a high level coming through the academy at Scarlets, representing Wales U20, and spending time with Bath Rugby while studying at the University of Bath. That journey instilled in me the discipline, drive, and work ethic I now bring to my professional life. Off the field, I’ve also been closely involved in helping run our family businesses in Wales, which gave me first hand experience of the pressures and priorities that come with managing money and making decisions that really have a positive impact on family.

Outside of work, I love all things sport whether it's watching or playing any sport will do it for me . I also love meeting new people from all walks of life and catching up with friends whenever I can. Whether it's a dinner, a casual coffee, or a business event I value good company and great conversation.

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 28 April 2025.