Bio

Kris Amliwala FPFS, RLP, MSc, BSc(Hons) Chartered Financial Planner

Hi, I'm Kris and my reason for being is to help guide business owners on their retirement journey.

The investing world is full of people looking for shortcuts to quick riches, and there's no shortage of professionals willing to sell you a cure that doesn't exist.

Rather than short-term tactics that may or may not lead you to success, I believe that a proper understanding of a few key fundamental principles will stand you in good stead on your journey towards financial independence. 

Because retirement is a financial status, not a question of age.

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Working with a Chartered Financial Planner provides business owners with enhanced wealth accumulation, expert tailored planning, and crucial behavioral support

 

All of which significantly improve their ability to achieve a secure and comfortable retirement

 

Optimised, Tax-Efficient Retirement and Wealth Extraction Strategies

  • Vanguard’s studies highlight that following a structured advisory framework can add about 3% net returns per annum on investments

  • Morningstar research supports that advisers with Chartered qualifications deliver more effective, personalised solutions that factor in tax rules and regulatory changes, improving overall retirement funding and sustainability.

Improved Financial Outcomes and Wealth Growth

  • Research supported by Royal London shows those who built an ongoing relationship with an advisor had on average 50% more wealth than those who didn't.

  • For instance, advised individuals can be almost 40% better off in liquid assets compared to non-advised investors over a span of about 10 years compared to those who don't receive advice.

Enhanced Financial Well-Being and Preparedness

  • Large-scale longitudinal studies show that clients of Chartered Financial Planners report higher rates of financial preparedness.

  • Business owners face unique retirement challenges such as irregular income, business succession complexities, and changing tax legislation. Chartered Financial Planners provide peace of mind through impartial, regulated, and ethical advice tailored to the owner’s personal and business circumstances.

Enhanced Retirement Confidence and Lifestyle

  • 96% of retirees who engaged in financial planning report enjoying their retirement, compared to 72% of those who did none.
  • According to the FCA’s Financial Lives Survey 2022, only around 8% of UK adults received regulated financial advice in the last year – but those who did had significantly higher levels of confidence and wealth.

 

Don’t just take our word for it, see what others have to say

Kris has been amazing, he has helped us a few times and wish we had known him years ago.
He is one of those people that go over and beyond to help you - goes the extra mile.
I like the way that he comes up with a number of options, runs through each one and summarises which one in his opinion would benefit us the most.
He is so knowledgeable, professional, efficient and does not mind when we ask too many questions. Would have no hesitation in recommending him whatsoever. 

 

Mr & Mrs Sharma
Property Portfolio Landlord

Outcome was more than expected. Answered all questions, ensured answers were understood. Felt comfortable asking even the 'silliest' questions.

 

Mr & Mrs Patel
Director - Software Engineer

My wife and I are coming close to retirement, so wanted to get our finances in order so we could meet our targets financially on retirement. He helped pull together our lifestyle plan for the next 35 years or so, and gave us valuable advice around Pensions, financial management and goals. Kris is very professional, and has an excellent understanding of financial management. He is looking for what is best for you in the long term. He is patient, and takes his time in explaining things properly, and never rushes. I would highly recommend him to anyone.

 

Mr & Mrs Chauhan
Retired Company Director & Senior Executive

Kris - is wonderful. He has helped over the last 2-3 years to get out of a hole and not only changed our life but changed our long term perspective on our finances. I love the way he puts everything across so clearly, he is professional and at the same time friendly, and above all he does the very best for you. Cant rate him enough.

 

Mr & Mrs Lake
Retired

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