Ravi Thind (JPA FSL Ltd)

Independent Financial Adviser  446-452 High Street, Smethwick, West midlands, B67 6PL
First meeting at adviser's own cost
In our experience people don’t know who to turn to when it comes to finances. We can help.
We can advise you on
Annuity purchase
Pension consolidation
Pensions review
Pensions transfer
Wealth management
ISA / Unit Trusts / OEICs
Investing for income
Lump sum
Estate planning
Group Pension/Stakeholder
Response rating
FCA authorised
Last authorised 29th June 2020
Meet our advisers
Ravinder Thind
What our clients say
I bumped into Ravinder at a networking event where he discussed spouse benefits on pensions. I immediately had my pensions reviewed to ensure my partner inherited the funds if anything were to happen to me. We held 4 meeting during which everything was clearly signposted and explained to me. Costs were explained very well throughout.
Dan, Birmingham
We wanted to invest a large sum as we had a British Steel pension pot that had closed and we contacted Ravi who promptly booked us in for a free first session and we subsequently engaged him to deal with this for us. Ravi has become a very good friend in the process and we trust him impeccably.
Roy, Wolverhampton
My father was looking for a simple solution to drawdown and move a pension scheme. From the first conversation Ravi explained everything that would happen in terms of meetings and expected outcomes. He was very upfront from the start and made himself available as needed. We found him to be easy to deal with and explained things very easily with simple terminology. Ravi did exactly what my father wanted and very swiftly. He dealt with our expectations and my dad was very happy with the overall outcome.
Kerry, Wollaston
I need to organise and understand what I have and plan for the future. Ravi was extremely patient and he brought together the pension information and sorted out a better plan.
Richard Fraxer, Kidderminster
Ravi was very flexible and when I mentioned I'd like to meet asap, he was able to meet me on a Sunday morning at my house which was exceptional. After explaining his service and what his advice was in regards to how we should move forward. I went through the whole initial application within 20 mins and I was able to provide all info and ID documents as were at home. The best thing he mentioned was the proviso to keep payments manageable and affordable, using our younger age to our advantage with mortgage products. He also had some good advice in relation to income sources and guidelines around what lenders are likely to consider or dismiss. He also stated about Agreements in Principle.. previously i suppose i was naive to think AIPs were set in stone but he clarified that any IFA can get you an AIP but when it comes to the actual application, lenders can still reduce their lending capacity so to be cautious of this.
Jas Johal, Kingswinford
About us

We make it easier for you to understand:

Pensions, Investments, Life insurance, Tax and Estates planning needs.

We have over 100 years combined experience and offer whole of market independent advice.

We believe that successful financial planning is about the client and not the product.

Our services

Once we have helped you identify all the risks, we help you make the correct decision for you and your families.

For me, the true cornerstone of financial planning is to have full understanding of the journey your wish to embark upon.

We help you to

help yourself

Where to find us
Head office address: 446-452 High Street, Kingswinford, Dudley, DY6 8AW
Preferred clients
Minimum wealth (income/assets)
Minimum pension value
Minimum mortgage value
Advice methods
  • phoneButton
  • mouse
    Online (Live chat, video, email)
  • icons
    Face to face
Response rating
FCA authorised
Last authorised 29th June 2020

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