Banty Bhojraj
Financial Advisor
Profile Summary
I aim to build long-lasting relationships with my clients, giving them reassurance and confidence in their financial plans for the future. I believe clients benefit most from a fully independent advice service, regularly reviewed to ensure their goals and milestones are achieved. My expertise includes: Investment solutions to grow your wealth Bespoke retirement planning Protection for you and your family Tailored estate planning to minimise inheritance tax Originally from Tenerife, I now live in North West London with my wife. Outside of work, I enjoy travelling, rock climbing, paddle surfing, and training in Krav Maga.
Investment & Financial Services Offered
Investments and Savings
Get help to potentially generate a better return on your savings, with a full range of investment options which could include equities, funds and bonds.
Pensions
Get help on making a plan for a comfortable retirement; whether it's starting a pension or understanding how much you should be contributing to one.
Pension Transfers - Non Specialist
Get advice on transferring pensions where you do not need a specialist, for example a standard personal pension or one through your employer that is made up ONLY of regular contributions from you and your employer (this should not be a defined benefit pension)
Inheritance Planning
Get help with planning your inheritance and understanding the tax implications of an inheritance you leave, or accessing an inheritance you have received.
Insurance and Protection
Get help to understand the best level of life cover, critical illness cover and income protection for you.
Who Banty Bhojraj Works With
I work with individuals and families who are looking for a proactive, personalised approach to financial planning. My clients often seek guidance on growing their wealth, planning for retirement, protecting their family, and passing on assets efficiently. I specialise in helping those who value long-term relationships with an adviser who takes the time to understand their unique goals and aspirations.
Investment Philosophy & Approach
My approach to investing is tailored, disciplined, and goal-focused. I believe in building diversified portfolios aligned with each client’s risk tolerance, time horizon, and objectives. I focus on long-term growth, regular review, and adjusting strategies as circumstances change, ensuring investments work in harmony with broader financial plans and life goals.
Qualifications & Professional Memberships
- BSc (Hons) Business Economics
- Cert CII (MP) - Certificate in Mortgage Advice
- DipPFS - Diploma in Regulated Financial Planning
Fees & Charging Structure
My fees vary depending on your individual circumstances and the complexity of the advice you need. For a personalised estimate, please get in touch so I can understand your situation and financial goals. As a guide: For Investment and Pension advice, fees are typically 1% to 3% of the amount invested or transferred, depending on the size of the investment. For ongoing advice, an additional annual fee of 0.5% to 1% may apply. Alternatively, I can work on an hourly or fixed-fee basis, or a combination of these options. All fees are agreed upfront, applied only with your consent, and are usually deducted directly from your investment or pension pot. Since 2012, I do not receive commissions from product providers — my advice is paid solely by you, ensuring complete independence. Get a personalised estimate by contacting me to discuss your needs.
Areas Served
Willing to travel to meet clients up to 10 miles from EC4A 2EA.
Frequently Asked Questions
What services do you offer?
I provide fully independent financial advice across investments, pensions, retirement planning, protection, and estate planning. My goal is to help grow, protect, and pass on your wealth while aligning your financial plan with your life goals.
How do I know if your advice is right for me?
I tailor advice to your individual circumstances. We start by understanding your financial situation, goals, and aspirations. I then create a personalised plan to help you achieve your objectives.
How are your fees structured?
Fees depend on the complexity of your needs. Typically: Investment and Pension advice: 1%–3% of the amount invested. Ongoing advice: 0.5%–1% per year. Other arrangements, such as hourly or fixed fees, can also be agreed. All fees are transparent and agreed upfront.
Do you receive commissions from product providers?
No. I do not accept commissions from investment or pension providers. My advice is completely independent and paid only by you.
Can I get a personalised fee estimate?
Yes. Contact me to discuss your circumstances and what you are looking to achieve, and I will provide a tailored estimate for your financial plan.
How often will my plan be reviewed?
Your plan is reviewed regularly to ensure it remains aligned with your goals and adapts to any changes in your circumstances or the financial markets.
What types of clients do you work with?
I work with individuals, families, business owners, and professionals seeking independent, personalised financial advice to grow, protect, and pass on their wealth.