Plutus Wealth Management LLP

Independent Financial Adviser  St. Pancras Chambers, Greater London, London, NW1 2AR
First meeting at adviser's own cost
We can advise you on
check
Annuity purchase
check
Pension consolidation
check
Pension drawdown
check
Pensions & divorce
check
Pensions & retirement planning
check
Pensions transfer
check
SIPPs
check
Stakeholder
check
Wealth management
check
Ethical investments
check
ISA / Unit Trusts / OEICs
check
Investing for income
check
OEICs
check
Offshore investments
check
Socially responsible investments
check
Unit trusts
check
Lump sum
check
National savings
check
Regular savings
check
Savings for children
check
School fees planning
check
Critical illness
check
Income protection insurance
check
Life insurance
check
Capital gains tax
check
Estate planning
check
Income tax
check
Taxation planning
Response rating
7.0/10
check
FCA authorised
Last authorised 26th July 2021
Meet our advisers
MR Ruban Sanmuganathan FPFS
Charted Financial Planner

This examination assesses a knowledge and understanding of the various pension products, the pension tax regime and retirement needs.

This qualification assessed the knowledge and understanding of the UK regulation environment in the financial services industry together with types of mortgage products and repayment options and the giving of mortgage advice.

To achieve the Fellowship grade, individuals would be required to have 10 AFPC (Diploma) units or equivalent. This shows a commitment to continuous professional development.

This examination assesses a knowledge and understanding of the Government’s simplified pension taxation regime which came into full effect on 6 April 2006 (A-Day). Eight tax regimes for pensions were reduced to one, radically affecting planning and transactions.

At the end of this unit, candidates should be able to demonstrate an understanding of: the main legal forms of business and how they are set up and managed; the consequences of bankruptcy or insolvency; business accounts and financial controls; the taxation of each type of business entity, its owners and employees; the main legal responsibilities businesses have to employees, suppliers and customers.

In order to have completed this qualification, individuals were required to obtain three units. These could have been selected from any combination of the available units at that time but must have included the compulsory G10 unit - Taxation and Trusts.

This examination assesses the candidate to develop in depth financial planning skills related to personal and corporate pensions.

This examination assessed a knowledge and understanding of the UK tax system, the law and practice of trusts, but also an ability to advise individual clients on the tax treatment of their investments and the use of trusts to meet their current and foreseeable future needs.

This qualification assesses a knowledge and understanding of the financial services industry, including regulation, legislation and the Code of Ethics.

To achieve DipPFS individuals must achieve 140 credits. At least 80 credits must be at Diploma or AFPC level.

This examination assesses the candidate to develop an understanding of the financial planning process when giving advice to clients.

This examination assesses the candidate to develop in depth financial planning skills related to investments and the management of investment portfolios.

This examination assessed the knowledge and understanding of economic factors that affect risk from different investments, product features and regulatory framework of retail investments, taxation liabilities and portfolio planning.

At the end of this unit, candidates should be able to demonstrate an understanding of the: process of decumulating pension funds and the main issues for clients and advisers; main choices facing members of pensions schemes during decumulation; features, risks and tax treatment of the secured pension option; features, risks and tax treatment of the unsecured pension option; features, risks and tax treatment of phased retirement; features, risks and tax treatment of the alternatively secured pension option.

This qualification assesses a knowledge and understanding of the UK regulation environment in the financial services industry, mortgage products, repayment options and the giving of mortgage advice.

At the end of this unit, candidates should be able to demonstrate an understanding of the: main tax and legal frameworks that govern the accumulation phase of building up retirement benefits under registered pension schemes; features of defined contribution and defined benefit pensions; choices faced by early leavers and use of transfer value analysis; State retirement benefits available, including the risks and suitability of contracting out of the State Second Pension.

This examination assesses a knowledge and understanding of financial protection plans.

This examination assesses a knowledge and understanding of investment products and the risks involved.

This qualification assesses a knowledge and understanding of the UK regulation environment in the financial services industry, long term care insurance products and the giving of long term care insurance advice.

At the end of this unit, candidates should be able to demonstrate an understanding of: how the economic environment and individual company performance affects investment performance and investment decision making; how risk is measured and managed; the main principles governing how to construct an investment portfolio; the range of investment management services, how their performance is evaluated and their regulatory environment.

Accreditations
Chartered Financial Planner
What our clients say
Ruban has always provided excellent and productive financial services advice on my investments and pension fund. I feel very secure knowing that he is managing my financial affairs. He is always timely and very professional and I would have no concerns about recommending his services to family or friends. When I discuss the current markets with Ruban, he is always extremely well informed and has on a number of occasions changed my investments and improved the return.
Vivienne Peters, Finchley, London
I can recommend Ruban whole-heartedly as someone who really covers all the bases and works to your greatest advantage. All of my interactions with Ruban have been not only informative and very helpful, but delightful as well.
David Stelfox, London
Ruban has been Financial Adviser to my wife and myself for five years. He is by far the best we have had. He has managed our personal wealth very effectively, is entirely trustworthy, reliable and a pleasure to deal with. We had some problems with our previous advisor, and Ruban managed the whole process of a complaint to the Financial Ombudsman all the way through to us getting compensation. It has taken over three years, but Ruban was tenacious and skilful in handling the FCA, with better results than we dared hope. I strongly recommend Ruban, with no reservations at all.
K Biltoo, Hackney, London
Ruban is an efficient, personable consultant who was willing to spend considerable extra time investigating and meeting my requirements and then dealing with questions and requests for assistance. A pleasure to work with.
G, Parker, London
Ruban is very personable and excellent at providing balanced financial advice. Unlike other financial advisors, he does not limit himself simply to the product he is selling but also advises on other financial and tax issues that affect his clients. I am content with the service he provides and would not hesitate to recommend him to others for his financial advisory services.
S Berry, Canada
About us

Plutus is an award winning Independent Financial Advisers based in central London.

We provide independent advice and wealth management to companies and individuals. We have a diverse range of clients and specialise in those new to financial planning.

Plutus brings together experienced, able and highly regarded individuals, our emphasis is on building strong, long lasting, personal relationships with our clients. We pride ourselves on giving a fresh perspective to clients and their financial affairs.

Our services

New Model Adviser Top 100 2015,
New Model Adviser Top 100 2014,
Winner Value of Advice Ambassador Unbiased Media Adviser Awards 2013,
Winner Young IFA of the Year in Unbiased Media Adviser Awards 2013,
Shortlisted in the Money Marketing Small Company IFA of the year 2013,
New Model Adviser Top 100 2012,
Shortlisted in Moneyfacts Good Advice Awards - Best Retirement Adviser 2012,
Shortlisted for Professional Adviser Baillie Gifford Financial Education Award 2012,
Runner Up in the Money Marketing Small Company IFA of the year 2012,
Winner of Money Marketing Small Company IFA of the year 2011

Where to find us
Head office address: St. Pancras Chambers, Euston Road, Greater London, London, NW1 2AR
Preferred clients
Minimum wealth (income/assets)
£250,000
Minimum pension value
£250,000
Minimum mortgage value
£250,000
Advice methods
  • phoneButton
    Telephone
  • icons
    Face to face
Response rating
7.0/10
check
FCA authorised
Last authorised 26th July 2021

Similar advisers near you

Independent Financial Adviser 0.38 mi
Independent, Chartered financial planning firm, as well as our normal face to face meeting we are offering online and telephone advice, in response to Coronavirus. We’re here to support you.
 
Independent Financial Adviser 0.42 mi
We help you achieve financial freedom through sound, long-term financial planning.
 
Independent Financial Adviser 0.57 mi
An independent financial advice firm advising people who are either building up their wealth, thinking of retiring soon or already retired. We give you the confidence and security to enjoy your wealth, both now and in retirement.
 
Independent Financial Adviser 0.62 mi
I help my clients make the right choices from all the options that they are presented with, so that they can lead the lifestyle in retirement that they want. My clients value the personalised nature of the service that I provide.