Independent Financial Adviser
London
I am an independent financial adviser with over 25 years of advisory experience, based in and around the City of London.
I started my career working for CSL a Deloitte company and gained invaluable experience dealing with all levels of Staff including Deloitte Partners.
I focus on providing jargon free clear advice, which is bespoke to the needs of the individual client and business, it typically starts with a holistic view of your objectives and aspirations, and being independent means we can use a whole of market approach to meet your needs.
I’m proud of the fact that I have good working relationships at all levels; including business owners, individuals and families who are all working towards their own unique goals and aspirations through to retirement and beyond. Clients are at the centre of everything I do.
In my opinion, it is vital to build long term relationships, that ultimately means I can provide tailored solutions for clients that they really value and trust.
I also specialise in corporate benefits and helping companies with its auto enrolment responsibilities and other pension arrangements, this is typically a complex area for Employers and can take up valuable time away from its core business. I also have experience in designing, implementing and communicating pension schemes that companies have used to assist it through mergers and acquisitions and this helped in the integration and retention of Staff relatively easily. I place great emphasis on educating business understand the value of different types of employee benefits such as group life cover, private medical Insurance, income protection, key person insurance and shareholder protection for its business as unexpected events can and do occur.
Please feel free to contact me for a personable no obligation consultation.
I specialise in the following advice services:
Lifetime Financial Planning
Through the use of sophisticated cash flow modelling techniques and by applying various inflation, interest rate and growth assumption we can plan how to get you where you want to be. The use of cashflow modelling is becoming the cornerstone of effective lifetime planning.
Later Life & Estate Planning
We spend a lifetime building our wealth, so it’s important to find the most effective way to protect your assets, in order for you to pass them on to those you love as efficiently as possible.
Pension & Retirement Planning
When you think about the future, what does your retirement look like to you? An important question which we can help you answer.
Investment & Wealth Management
Creating, growing, and then maintaining wealth is key to successful financial planning and should be part of a longer-term investment strategy.
Personal Protection
Talking about illness, disability or death is never an easy conversation to have but protecting against the unexpected will help with financial security and ensure your family can cope should the worst happen.
Workplace Pensions
As an employer, you must auto-enrol certain staff into a workplace pension scheme and contribute towards it in order to meet legislative obligations.
Business Protection Planning
The importance of business protection is often overlooked but is key to helping business owners plan for the unexpected.
Defined Benefit Transfer Specialist
If you have a Defined Benefit or Final Salary pension scheme, there may be individual circumstances where a pension transfer could be advantageous.
Employee Benefits
Ensuring that the the workplace pension is fit for purpose, taking account prevailing regulations, and making sure that company money is being spent wisely on behalf of the staff, as part of a recruitment, reward and retention plan. Communcating the value of the package in an engaging way is also extremely valuable, but all too often overlooked. We can review arrangements and often improve them without significant disruption or additional cost.
Contact Habs Rana, your local adviser
We'll work with you to build a personal financial plan that's designed to help you achieve your individual ambitions.