Dinesh Bharwani

Financial Planning Consultant with Mortgages at Quilter Financial Advisers



E: dinesh.bharwani@quilter.com

T: 0800 849 1279

LinkedIn: Dinesh Bharwani


Dinesh joined the industry in 2003 with Legal & General as a protection/endowment Complaint Service Adviser. He worked with them for over a year whilst completing his Master’s in business administration and the required financial planning qualifications. On completing his post-graduation, Dinesh was offered a position as an adviser with HSBC and moved up the hierarchy as a Premier Financial Adviser, specialising in Inheritance Tax planning and investments. Due to a restructure, he joined Wesleyan Financial Services in November 2011, which gave him an opportunity to understand the NHS pension scheme and worked exclusively within the medical & dental sector.

In his 15 years’ experience in the financial services Industry, the majority has been spent delivering face-to-face advice and building long term relationships with clients. Since joining Quilter Financial Advisers, Dinesh has worked with both personal and corporate clients providing tailored financial advice. He has attained a fellowship in financial planning, providing expertise in pension planning, investments, protection and Inheritance Tax planning.

Dinesh plays cricket and tennis on a social basis. He also assists with coaching for the All-Star Cricket club in Penarth, a town close to Cardiff. As his elder son plays county cricket and is part of the Cardiff & Vale Cricket team, during summer they often travel all around England and watch him play against some quality cricket teams.

Dinesh will always take time to ensure you receive help and support in a professional, easy to understand manner. With a passion for providing quality advice and a first-class service, he hopes that you’ll soon see him as your first point of contact for all your financial planning needs.

Dinesh can help you with:

Holistic financial planning

Establishing and reviewing trusts
Complete personal risk management planning
Short- and long-term savings and investments


Portfolio planning
Unit trusts
Investment trusts
Investment bonds
Offshore bonds


Personal pensions
Company schemes
Consolidation plans

General Insurance

Home contents insurance
Buildings insurance

Specialist dental & medical

NHS pension specialists
Locum cover specialists
Surgery insurance specialists – GP & dental surgeries

Life cover

Whole of life and term assurance protection


Private medical arrangements
Critical illness insurance


Permanent health insurance (also known as income protection)

Mortgage placement and arranging for:

First-time buyers

Deals researched and arranged to suit:

Fixed rate deals
Variable and flexible
Capped and or collared


The value of pensions and investments and the income they produce can fall as well as rise. You may get back less than you invested.

Your home may be repossessed if you do not keep up repayments on your mortgage.

The FCA does not regulate buy-to-let and commercial mortgages.

The FCA does not regulate Inheritance Tax planning or trusts

Tax treatment varies according to individual circumstances and is subject to change.