Financial Planning Consultant with Mortgages DipPFS, Cert CII (MP) in Harrow
A math graduate, holding a Level 4 Diploma in Financial Planning and a Certificate in Mortgage and Insurance from the CII. My areas include but are not limited to, Retirement Planning, Investment Advice and Financial Planning, arranging mortgages and insurances for both Life and General, and Will and Trust writing. I work with my clients to create personalised plans to suit their needs and preferences, helping them achieve their goals over the medium to long term, whether they are looking to start planning for their future or reviewing existing arrangements.
*Will writing is not part of the Quilter Financial Planning offering and is offered by referral. Quilter Financial Planning accept no responsibility for this aspect of our business.
In the UK, there’s an estimated £26.6bn1 in lost or forgotten pensions. That means the average UK worker is missing as much as £28k2 from their retirement money. 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.
If that sounds good to you, please get in touch.
The value of pensions and the income they produce can fall as well as rise. You may get back less than you invested. Tax Planning is not regulated by the Financial Conduct Authority. Tax treatment varies according to individual circumstances and is subject to change.
2 Source: https://www.hrmagazine.co.uk/content/news/average-uk-worker-has-28-000-in-unclaimed-pensions
Establishing and reviewing trusts, complete personal risk management planning, short- and long-term savings and investments.
Financial planning for dental and medical professionals, in-depth knowledge of NHS pensions and needs of hospital doctors, GPs, dentists and locums.
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.
Permanent health insurance to provide a regular income should you be unable to work due to illness or injury.
Home contents insurance, buildings insurance.
First time buyers, remortgages, buy-to-let.
Commercial mortgages/remortgages, workplace pension and employee benefits. Commercial mortgages are by referral only.
Balaram is located in Harrow, North West London for face-to-face meetings or can work remotely via phone or video calls, depending on the client's preferences and conveniences.
With over three decades of comprehensive knowledge and experience ranging from regulatory financial advice to insurance policy administration, technology, and regulatory compliance, I also, in past, held a Senior Manager Function (SMF) role as Director in a directly authorised Independent Financial Advisory (IFA) firm and served as Head of IT & Operations in a life office in the UK. Currently working as a Financial Planning Consultant with Quilter Financial Advisers.
Based in Harrow, North West London for face-to-face meetings or can work remotely via phone or video calls depending on the client's preferences and conveniences.
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 05 August 2024.
