Caroline Russell
Financial Planning Consultant DipPFS, Cert CII (FS) in Ipswich
A little bit about Caroline
I have a career spanning over a decade. My industry experience has equipped me with a comprehensive understanding of the financial landscape. Committed to lifelong learning, I am continually expanding my knowledge through further qualifications.
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
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.
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.
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.
Business Services & Protection
Commercial mortgages/remortgages, workplace pension and employee benefits. Commercial mortgages are by referral only.
Dental & Medical
Financial planning for dental and medical professionals, in-depth knowledge of NHS pensions and needs of hospital doctors, GPs, dentists and locums.
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.
Laura
We had been considering our options for investing our children's money for some time, wanting to ensure we chose the best possible solution to give them the maximum return for their future.
We were very pleased to have been put in contact with Caroline as she listened to our wants, needs and concerns and understood everything clearly; she was even empathetic to some of the money being inheritance from their grandad. She provided us with reassurance, making everything as transparent as possible and it was clear to see that she wanted to ensure she gave us the best possible advice and only presented what she believed would work best; showing us a few options and explaining why she was suggesting the particular investment we went with.
Everything went smoothly and was put in place quickly. We were kept updated throughout the whole process and Caroline responded quickly to any questions we had.
Angela
Caroline from when I first met her is always so positive and considerate. She listened with care and compassion when I came into some inheritance because it’s such an emotional meaning she was very sensitive and respectful of the situation.
I always find her to be professional and knowledgeable about what she offers and what legal things are and how to think long-term with money investments. Her knowledge and expertise is met with someone who can explain and help to understand any questions I have of my money; and I feel reassured about this considerate amount of money is safely and thoughtfully invested. She has also helped me with recommendations for advice from some excellent professionals that if I so wished to I could speak with if I needed to find out more information and guidance, they were independent from Caroline and very helpful.
I’d had some bad experiences with my bank regarding coming into all this money, Caroline is a much needed breath of fresh air into my situation, a much needed helpful human, I’m glad I met her when I did and kept in touch in time to invest in something with her help. Otherwise I don’t know how I’d be, I may well have had a lot more stress than needed at such a sensitive time of loss in my family. Instead, I have a good meaningful investment that I trust in Caroline’s excellent guidance.
Chris
Very knowledgeable and explains everything in plain English. To allow you to make the right decision now and for the future for you and your family and cares to make sure the advice is right for you.
Milo
Caroline is absolutely fantastic! If you struggle with staying organised like me, she's the perfect solution. She not only sorts everything out for you but also gives you gentle reminders and explains things in easy-to-understand terms. Plus, she really goes above and beyond, especially when dealing with tricky companies who make transferring funds a hassle. I highly recommend reaching out to Caroline for any help with your finances that you might need.
I am passionate about helping individuals realise their financial ambitions. Whether it's planning for a comfortable retirement, funding higher education for children, or saving for that dream holiday, I work closely with clients to develop bespoke financial strategies.
My comprehensive approach involves a meticulous assessment of individual circumstances, risk tolerance, and long-term goals to create tailored solutions. I provide ongoing support and guidance throughout the financial journey. I believe in the importance of regular reviews to ensure that financial plans remain aligned with evolving circumstances and objectives. I am dedicated to helping clients make informed decisions and achieve financial security and peace of mind.
Outside of work, I enjoy spending quality time with my family, immersing myself in a good book, and embracing the outdoors whenever possible. Whether it's going for a walk, exploring new places, or enjoying paddleboarding. Book a complimentary initial consultation with me today. Let’s work together to achieve your financial goals.
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.