0151 221 9238
Based in Liverpool
View locationTop Rated 2026
Top Rated advisers have met the qualification criteria for VouchedFor's Top Rated Guide, as determined by their client feedbackVerified since: March, 2025
4.9 out of 5
Checks carried out by VouchedFor
FCA Regulated
Sanjay and/or the firm they work for (or are appointed representatives of) is regulated as appropriate by the Financial Conduct AuthorityLast checked: 05 July 2026
Sanjay and/or the firm they work for (or are appointed representatives of) is regulated as appropriate by the Financial Conduct Authority
15
Recent Client Reviews
Sanjay has received 15 client reviews in the past 12 months; 100% of these have been verifiedVerified reviews: 100%
Sanjay has received 15 client reviews in the past 12 months; 100% of these have been verified
Independent Financial Adviser
An independent adviser can advise across a sufficiently diverse range of products to help meet a client’s objectives. They are in no way limited to products provided by companies they work for.Last checked: 08 April 2026
An independent adviser can advise across a sufficiently diverse range of products to help meet a client’s objectives. They are in no way limited to products provided by companies they work for.
3
Qualifications Uploaded
Sanjay has added their qualifications to their profile. You can see them by clicking on the ‘qualifications’ tab below3 qualification certificates available to view
Sanjay has added their qualifications to their profile. You can see them by clicking on the ‘qualifications’ tab below
Transparent Fees
Sanjay has added their fees to their profile. You can see them by clicking on the ‘fees’ tab belowSanjay has provided information on their typical fees
Sanjay has added their fees to their profile. You can see them by clicking on the ‘fees’ tab below
7
Positive First Impressions
100% of VouchedFor users have had a positive (4 or 5 star) first experience with Sanjay (based on 7 first impressions)100% of users who are not yet clients had a positive first experience with Sanjay
100% of VouchedFor users have had a positive (4 or 5 star) first experience with Sanjay (based on 7 first impressions)
About
Saving up was the easy part. What comes next is where mistakes get expensive. The rules that built your wealth will not protect it when you start living off your savings. Retirement decisions are fundamentally irreversible in a way that building your wealth is not. A bad run of markets at the wrong moment in your life cannot be waited out. Most people assume someone is actively managing their pension. In reality, most funds sit in fixed risk categories that never change with the world around them. Brand names imply safety, but the management is largely automated. We believe your money deserves active, rules-based protection that adapts when market conditions shift. We provide a robust alternative. We do not rely on flat-line calculators or static funds. We mathematically model your spending shape, sequence your tax across the next twenty-five years, and adjust your investments to changing conditions. We focus on the last ten years before retirement and the years of living off your savings. Our clients typically have pensions and investments of £250,000 or more. They are looking for someone who treats the transition away from work as a distinct challenge that requires a specific answer. Credentials & Authorisations: - Member of the Chartered Insurance Institute (CII) - Diploma in Regulated Financial Planning - Certificate in Pension Transfer Advice - FCA Individual Reference Number: SXG02443 - FCA Firm Reference Number: 999777