Business Details
8 Years
experience
Trusted Financial Advisers in Leicester | ISJ Independent Financial Planning
ISJ Independent Financial Planning has been delivering independent financial advice since 2018, founded by Chartered Financial Planner Lena Patel. With over 30 years of industry experience, including senior roles at Barclays and Santander, we specialise in tailored financial strategies for individuals navigating retirement, divorce, or seeking long-term security. Our expertise in cash flow modelling, inheritance tax planning, and investment management is underpinned by Chartered status with the CII and regulation by the Financial Conduct Authority.We prioritise client-centric service, evidenced by our 99% client satisfaction rate and award-winning client support. Our Leicester-based team combines technical excellence with a commitment to ethical standards, ensuring transparent communication and bespoke solutions aligned with individual life goals.
Services
Financial Planning
Retirement Planning
Investment Planning
Cash Flow Modelling
Inheritance Tax Planning
Tax and Trust Planning
Lifestyle Financial Planning
Details
- Year established: 2018
Highlights and features
- 30+ years of financial services expertise with Chartered status
- FCA-regulated independent advice ensuring compliance and transparency
- Tailored cash flow modelling for precise financial projections
- Award-winning client service with 99% satisfaction rate
- Specialist knowledge in women's financial planning and divorce scenarios
Associations and certifications
- Chartered Insurance Institute (CII)
- Fellowship with the CII
- Financial Conduct Authority (FCA)
What people say
Great professional service
Highly recommend Lena
Confident financial guidance
Worth the discussion
Empathetic approach
Services
Financial Planning
Our comprehensive financial planning service creates bespoke strategies aligned with your life goals. We analyse income, assets, and liabilities to develop actionable plans for retirement, tax efficiency, and wealth preservation. With Chartered expertise, we ensure your financial roadmap adapts to changing circumstances while maintaining compliance with FCA regulations.
Cash Flow Modelling
This service visualises your financial future through detailed cash flow projections. We map income streams against expenses and investment growth to identify potential shortfalls or opportunities. Our models help clients make informed decisions about retirement timing, major purchases, and legacy planning while maintaining liquidity throughout life transitions.
Inheritance Tax Planning
We specialise in minimising inheritance tax liabilities through strategic asset structuring. Our approach combines trust arrangements, gifting strategies, and tax-efficient investments to protect your legacy. We ensure compliance with current legislation while aligning tax planning with your family's long-term financial security and philanthropic objectives.
Retirement Planning
Our retirement planning service designs sustainable income solutions tailored to your desired lifestyle. We optimise pension drawdowns, assess annuity options, and model retirement scenarios to prevent longevity risk. With expertise in post-retirement tax planning, we help clients transition confidently from wealth accumulation to income generation.
Investment Planning
We create diversified investment portfolios aligned with your risk tolerance and financial objectives. Our process involves ongoing market analysis, asset allocation reviews, and performance monitoring. We specialise in balancing growth potential with capital preservation, ensuring investments support both short-term needs and long-term wealth accumulation goals.
People
Lena Patel
Chartered Financial Planner
With over 30 years in financial services, Lena founded ISJ Independent Financial Planning after senior roles at Barclays and Santander. A Chartered Fellow of the CII, she specialises in women's financial planning and complex life transitions. Her expertise earned the 2022 Growth Investor Award for client service excellence.
Questions
What makes ISJ Independent Financial Planning unique?
We combine Chartered status with 30+ years of experience, offering independent advice tailored to life transitions. Our cash flow modelling expertise and focus on women's financial needs set us apart while maintaining FCA-regulated standards.
How do you approach inheritance tax planning?
We create custom strategies using trusts, gifting, and tax-efficient investments to preserve wealth. Our approach considers family dynamics and philanthropic goals while ensuring compliance with current inheritance tax legislation.
Can you help with retirement planning?
Yes, we specialise in retirement income strategies. Our cash flow modelling identifies sustainable withdrawal rates, optimises pension benefits, and ensures financial security throughout retirement while adapting to changing circumstances.
What areas do you serve?
Based in Leicester, we provide face-to-face services locally while offering remote advisory support across the UK through virtual consultations and digital tools.
Are your services available for non-women clients?
While we specialise in women's financial needs, our services are available to all clients. We provide tailored advice addressing diverse financial situations, including retirement, divorce, and wealth management for individuals and families.
