Financial Planner
Ben Gow
Independent Financial Adviser in London.
Good financial planning shouldn't be complicated. I work with clients across London to simplify complex financial decisions, provide clarity around their options and help them feel confident about the future.
Whether you're planning for retirement, investing for the future or looking to make smarter financial choices, my goal is to help you create a clear path towards the life you want to live.
Hi, I'm Ben
My Role at ilumiti
As a Financial Planner, I specialise in supporting those approaching retirement, using an evidence-based approach to provide clarity, confidence, and direction.
Qualifications & Experience
I’m a fully qualified Financial Adviser with over 5 years’ experience advising clients as part of the ilumiti team. Over that time, I’ve helped a wide range of clients make confident, informed decisions about their financial future.
A Goals‑Led Approach
By working closely with clients, I build structured plans designed to help clients make the most of their financial resources. Giving them the confidence to move forward and fully enjoy the life they have worked hard to build.
5+
Years of Experience in Financial Services
30+
Families Supported along their financial journey
Clarity first. Confidence follows. Financial planning focused on what matters to you.
Professional Credentials & Regulatory Information
Qualifications - DipPFS + BA (Hons) in Banking, Finance & Management
FCA details - BXG00137
Areas I Serve
I primarily work with clients across London and the surrounding areas, helping professionals, business owners and families make confident financial decisions at every stage of life. While technology makes it easy to work together remotely, I still believe there is real value in sitting down face-to-face and building a strong personal relationship.
Central London
City of London
Canary Wharf
Westminster
Kensington & Chelsea
Richmond
Wimbledon
Kingston upon Thames
Croydon
Guildford
Woking
Esher
Cobham
Weybridge
Ascot
Windsor
St Albans
Watford
Harpenden
Reading
Although London is my primary focus, I also work with clients across the UK. Whether we meet virtually or in person, my goal remains the same: to provide clear, personal financial planning that helps you feel confident about your future.
Services Overview
Retirement Planning
I help you understand what retirement could look like based on where you are now, and how a clear financial plan may help improve your options and support your long-term financial security.
Investment Advice
Investments often underpin a successful plan. I’ll help you invest in a way that supports your goals, protects against inflation, and gives you confidence along the way.
The value of investments can go down as well as up and you may get back less than you invest.
Pension Consolidation
If you have multiple pensions, I can help you locate them, understand how they work, and assess whether bringing them together could make things simpler and more effective.
Estate Planning Support
For those who want to pass wealth on efficiently, estate planning can form part of your wider plan. We offer in‑house support, including wills and trust planning, where needed.
The Financial Conduct Authority does not regulate tax advice, estate planning, trust advice or will writing.
Tax Planning
I help structure your finances to support your goals while reducing unnecessary tax, both now and in the future.
Client Outcomes & What to Expect
Understanding your priorities
Every successful financial plan starts with understanding what matters most to you. Our first meetings are focused on learning about your goals, your current position and the future you're working towards, ensuring any recommendations are built around your priorities.
Advice that fits your lifestyle
Financial planning should be straightforward and convenient. Whether we meet in person, online or a combination of both, I work in a way that suits your schedule while ensuring you have the guidance and support you need when important decisions arise.
A clear plan for the future
Once I have a full understanding of your circumstances and objectives, I'll create a tailored financial plan designed to help you make confident decisions. My aim is to remove complexity, bring clarity to your options and provide a clear roadmap for achieving your long‑term goals.
Money illuminated — the podcast
Clear, jargon‑free conversations to help you make more confident financial decisions.
Frequently Asked Questions
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Using Vouchedfor to search for local advisers is a good starting point, as you can see real client feedback for that adviser
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We charge a fixed fee to work with clients to build their financial plan and implement appropriate solutions to support their plan, followed by an ongoing percentage based fee (0.75%) to provide ongoing financial planning advice
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You don’t need a local adviser, but being in close proximity to have face-to-face sessions always helps build a stronger relationship
ilumiti is authorised and regulated by the Financial Conduct Authority.
The value of investments can go down as well as up and you may get back less than you invest.
Pension values can fall as well as rise and are not guaranteed.
The Financial Conduct Authority does not regulate tax advice, estate planning, trusts or will writing.
Financial planning and investment advice should be considered in light of your individual circumstances.