Business Details
8 Years
experience
Your Trusted Partner for Independent Financial Planning Solutions
ISJ Independent Financial Planning has been delivering tailored financial solutions since 2018, combining over three decades of industry expertise with a client-centric approach. Our Chartered and Fellowship-accredited status with the Chartered Insurance Institute reflects our commitment to excellence in financial planning. Specialising in retirement strategies, inheritance tax mitigation, and women's financial empowerment, we prioritise long-term client relationships built on trust and transparency.Our Leicester-based team provides bespoke advice to individuals navigating life transitions, ensuring financial security through comprehensive cash flow modelling and investment planning. With recognition in the 2022 Growth Investor Awards, we maintain rigorous compliance standards under Financial Conduct Authority regulation while offering accessible, jargon-free guidance to both local and national clients.
Services
Financial Planning for Women
Investment Planning
Cash Flow Modelling
Lifestyle Financial Planning
Inheritance Tax Planning
Tax and Trust Planning
Retirement Planning
Risk Management
Goal Setting
Wealth Mastery
Details
- Year established: 2018
Highlights and features
- Chartered and Fellowship-accredited financial planners with 30+ years' experience
- Award-winning client service recognised in 2022 Growth Investor Awards
- Specialised expertise in women's financial empowerment and life transition planning
- Transparent, jargon-free financial guidance tailored to individual circumstances
- Local Leicester knowledge combined with national regulatory compliance
Associations and certifications
- Chartered Insurance Institute (CII)
- Financial Conduct Authority (FCA)
What people say
Great professional service
Very professional and helpful
Tailored financial strategies
Knowledgeable and nice person
Confident in financial future
Services
Retirement Planning
Our retirement planning service creates customised strategies to ensure financial security during your post-work years. We analyse current assets, projected income, and lifestyle requirements to develop sustainable withdrawal plans. With expertise in pension consolidation and tax-efficient income generation, we help clients build confidence in their long-term financial stability while navigating complex regulatory frameworks.
Investment Planning
Tailored investment strategies align portfolios with individual risk profiles and financial objectives. We provide comprehensive market analysis, asset allocation recommendations, and ongoing portfolio reviews. Our approach balances growth potential with capital preservation, incorporating ethical investment options and tax-efficient wrappers to optimise long-term wealth accumulation for both novice and experienced investors.
Cash Flow Modelling
This analytical service projects future financial positions using detailed income and expenditure scenarios. We create dynamic models that incorporate inflation projections, market volatility, and life-changing events to inform decision-making. Clients receive visual representations of potential financial outcomes, enabling proactive adjustments to savings and investment strategies to maintain financial trajectory.
Inheritance Tax Planning
Our specialist tax planning service minimises inheritance tax liabilities while ensuring wealth transfer aligns with personal wishes. We implement legal mitigation strategies including trust structures, lifetime gifting, and charitable donations. The service includes regular reviews to adapt to changing legislation and family circumstances, preserving generational wealth through compliant, forward-looking estate planning.
Financial Planning for Women
This dedicated service addresses unique financial challenges faced by women, including career breaks and longevity considerations. We develop strategies for career transition planning, divorce settlements, and single-life financial management. The service incorporates confidence-building investment education and tailored retirement planning to address the gender pension gap through proactive wealth accumulation strategies.
People
Lena Patel
Chartered Financial Planner
With over 30 years' experience in financial services, Lena established ISJ Independent Financial Planning in 2018 after senior roles at major banks. A Chartered and Fellowship-accredited professional, she specialises in women's financial empowerment and life transition planning. Her client-focused approach combines technical expertise with empathetic guidance, having successfully navigated personal divorce and single parenthood.
Questions
What makes ISJ Independent Financial Planning stand out in financial services?
As a Chartered and Fellowship-accredited firm, we combine 30+ years' experience with specialist expertise in women's financial planning and life transitions. Our Leicester-based practice offers both local knowledge and national regulatory compliance under Financial Conduct Authority authorisation.
How does ISJ approach inheritance and tax planning?
We employ legal tax mitigation strategies including trust structures and lifetime gifting while ensuring compliance with current legislation. Our approach balances wealth preservation with clients' personal wishes for asset distribution, incorporating regular reviews to adapt to changing circumstances.
Can ISJ help with retirement planning?
Yes, we specialise in retirement strategies including pension consolidation, tax-efficient income planning, and longevity risk management. Our cash flow modelling service provides visual projections to ensure clients can maintain their desired lifestyle throughout retirement.
What is the process for becoming a client?
The process begins with a free 30-minute consultation to discuss financial goals. We then gather financial data, assess current positions, and develop tailored strategies. Implementation support and regular reviews ensure ongoing alignment with evolving personal circumstances and market conditions.
How do you ensure financial plans reflect personal values?
We conduct detailed discussions to understand clients' ethical considerations and life priorities. This informs investment selection, charitable giving strategies, and estate planning decisions, ensuring financial plans align with both practical needs and personal principles.
