Kashef Reid-Bashir

Can the right protection help you become more financially resilient?

Have you heard of the ‘protection gap’? You probably know someone who’s fallen into it.

Most of us know to get travel or pet insurance, or even just insure our mobile phone. But when it comes to really big life events, cover can easily get overlooked – causing a gap.

Far too many people aren’t properly protected against life-changing events, like losing their job or not being able to work because they’ve fallen ill. Which means that when these things do happen, they can have a much bigger impact than they need to.

Luckily, cover like income protection and critical illness can help people become more financially resilient. So, if you do have a financial shock, it doesn’t have to turn everything upside down. And it can be surprisingly simple and affordable.

If you’ve had a big milestone recently, or a change in your circumstances, it might be the right time to relook at your protection needs.

Reach out to me and I’ll be happy to help.

I help private clients, entrepreneurs, and senior UK professionals look to grow, protect, and transfer their wealth across generations. My focus is on creating clear, personalised strategies that align with your goals and life stage, helping you make confident financial decisions — even in complex scenarios.  

• Drawing on the vast resources of Quilter, one of the UK's leading wealth managers, I provide advice across a wide range of wealth management and financial planning services.
• Personalised wealth management strategies to grow and protect assets.
• Tax-efficient planning to optimise compensation and investment outcomes.
• Pension and retirement planning (Group Personal Pensions (GPPs) Self-invested personal pension (SIPPs, Small self-administered pension scheme (SSAS) ) with cashflow forecasting.
• Wealth management (General Investment Account (GIA), ISAs, Onshore/Offshore Bonds) aligned to your objectives.
• I can also assist with Discretionary Fund Management, which we provide in partnership with Quilter Cheviot.
• High-interest cash solutions (CashHub) for liquidity and short-term returns.
• Estate planning to manage Inheritance Tax Planning, Capital Gains Tax Planning, and stamp duty exposures.
• Intergenerational wealth transfer via structured vehicles such as Family Investment Company (FICs) and Trusts.

For entrepreneurs and management teams progressing through funding rounds from Series A onwards, I also provide guidance to:

• Map liquidity events and exits for tax-efficient wealth extraction.
• Align risk, return, and long-term objectives.
• Analyse and look to optimise vesting schedules and equity ownership.
• Build scenario-based cashflow plans to ensure clarity and flexibility.

My role is to coach, guide, and partner with clients, ensuring strategic objectives, risk appetite, and long-term goals are clearly defined and integrated into a sustainable financial plan.

I bring a background in finance and strategy from organisations including Reuters (now Refinitiv), FTSE (now FTSE Russell), and Booz Allen Hamilton. I am Investment Advice Diploma qualified (CISI Level 4) a Qualified Accountant (ACMA), and hold an MBA from Cranfield School of Management.

Outside work, I enjoy playing tennis at club level and spending time with family.

The value of investments and the income they produce can fall as well as rise. You may get back less than you invested.

For a free initial consultation, please book an appointment or connect on:
kashef.reid-bashir@quilterfa.com | +44 (0)7939 004063

Estate Planning, Trusts, Tax Planning including Inheritance Tax Planning, Advice held on Cash on Deposit, Succession planning and Offshore bonds are not regulated by the Financial Conduct Authority.