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Dinesh Bharwani

Financial Planning Consultant with Mortgages FPFS, CeMAP, MBA in Penarth

A little bit about Dinesh

Dinesh develops a strategy for the areas that matters to you, from savings and investments, planning for retirement to protecting and providing for your loved ones. He will develop financial planning solutions that suit your needs and introduce you to specialist third party providers where he feels they can add value.

The last 12 years or so Dinesh has been working exclusively with the Medical Profession, helping them to understand the complexities of the NHS Pension scheme, taxation, Lifetime and Annual allowance and Scheme Pay. Dinesh has been successful in setting up the salary sacrifice schemes in various health boards in England & Wales. He has an in-depth knowledge of the NHS Pension and understand the career paths of hospital doctors, GPs, dentists, and locums.

Now having attained a Fellowship in Financial Planning, for over 15 years his expertise lies in giving advice in Retirement Planning, Investments, Protection and Inheritance Tax Planning. Quilter Financial Advisers is on the NHS Employers list of recognised experts for providing NHS Pension Advice.

Dinesh plays cricket and tennis on a social basis. He also coaches the Penarth U13 Junior Cricket Team in Penarth, a town close to Cardiff.

Dinesh will always take time to ensure you receive help and support in a professional, easy to understand manner. With a passion for providing quality advice and a first-class service, he hopes that you'll soon see him as your first point of contact for all your financial planning needs. You can view client reviews left for Dinesh on his VouchedFor profile using this link:
https://www.vouchedfor.co.uk/financial-advisor-ifa/penarth/064457-dinesh-bharwani

Dinesh aims to deliver advice with clarity, always putting his clients in a position of informed choice.

Start the conversation

Speak to me if you’re interested in preparing for tax year end, or just want advice on making your money go further.
Contact me today

Tackle tax year end with confidence

Graphic showing an alarm clock in front of a calendar and a pile of coins

Tax rules can seem pretty impenetrable. With the new Budget, and so many different allowances and regulations to keep up with, it’s no wonder millions of us end up accidentally missing opportunities - equating to millions of pounds a year.1

In this case, ignorance really isn’t bliss. And by confidently preparing for tax year end, you can be sure you’re getting all the money you’re entitled to - whether that’s by saving as much as you can tax-efficiently or just using your allowances to their full extent.

I can go through your financial position with you, so you’re ready for tax year end on 5 April. Did you know, for instance, that only 1 in 7 savers fully use their ISA?2 Or that you could be one of the 2m couples3 who aren’t making the most of their marriage allowance?

Together we can make this tax year end something to celebrate, rather than pass by. Get in touch for your tax year end review, or a cashflow modelling session to understand your financial position better.

For ISAs, Investors do not pay any personal tax on income or gains, but may pay unrecoverable tax on income from stocks and shares received by the ISA managers.

Tax treatment varies according to individual circumstances and is subject to change.

Stocks and Shares ISAs invest in corporate bonds, stocks and shares and other assets that fluctuate in value.

1 Source: https://www.thetimes.com/money-mentor/pensions-retirement/how-to-claim-higher-rate-tax-relief-on-pension-contributions-in-the-uk

2 Source: https://ifamagazine.com/just-one-in-seven-brits-use-their-full-isa-allowance-survey-shows/

3 Source: https://moneyweek.com/personal-finance/605717/marriage-tax-allowance

Approver Quilter Financial Services Limited & Quilter Mortgage Planning Limited. 17 December 2024.

Holistic planning

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

Dental & Medical

Financial planning for dental and medical professionals, in-depth knowledge of NHS pensions and needs of hospital doctors, GPs, dentists and locums.

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.

Income Protection

Permanent health insurance to provide a regular income should you be unable to work due to illness or injury.

General Insurance

Home contents insurance, buildings insurance.

Mortgage

First time buyers, remortgages, buy-to-let.

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.