Meet Your Financial Adviser: Ani Dey 

At Bower Wealth, we believe that excellent financial advice starts with a genuine understanding of each client. As an Independent Financial Adviser (IFA), Ani Dey takes the time to understand each client’s personal circumstances, current financial situation and long term goals. Ani has more than a decade of experience in financial services, and now advises clients directly, helping them consolidate their pensions, plan for retirement and grow their wealth, and guiding them through every life stage of their financial journey. 

Ani’s Background 

Ani joined Bower Wealth after several years working as a Financial Adviser and Financial Planner, building experience across pensions, investments and retirement planning. Ani holds a Diploma in Regulated Financial Planning awarded by the Chartered Insurance Institute, along with the Chartered Insurance Institute Certificate in Mortgage Advice (Mortgage Practice). Ani is a member of the Personal Finance Society, the professional body for the financial advice profession. These qualifications mean Ani is qualified to provide advice and support clients from a wide range of backgrounds in reaching their financial goals. 

Before joining Bower Wealth, Ani spent several years as a Paraplanner and worked in pension administration roles. This experience gave Ani a strong foundation in helping clients make sense of multiple pension pots and workplace schemes, a skill that continues to shape the personalised advice Ani provides today. 

Independent and experienced 

Bower Wealth is independent, which means our advisers are not restricted or tied to a limited panel of providers. Unlike restricted advisers, who may only be able to sell products from a small number of companies, our independent financial advisers search the whole of the market to find the financial products best suited to each client. This allows Ani to make personal recommendations based purely on what benefits the client, rather than what a particular investment provider offers. 

What Ani specialises in 

Ani provides professional financial advice across a broad range of needs, including: 

• Pension transfers and retirement planning 

• Tax planning and making the most of allowances before you pay tax unnecessarily 

• Estate and inheritance tax (IHT) planning, helping more of your wealth pass to the people you choose 

• Investment advice for clients building wealth over the years ahead 

• Guidance following a redundancy payment or other lump sum, such as an inheritance or proceeds from buying and selling a business 

• Financial plans for clients at different life stages, from those starting out to those approaching retirement 

Whatever a client’s financial situation, Ani works to build a clear picture of their circumstances before recommending a way forward. 

Approach to clients 

Ani describes an approach built around the client. Whether the goal is retirement, a house purchase, or planning years ahead for the family’s future, Ani takes a thorough approach with each client from the first meeting onwards. 

“Every client has a different goal, and so every client receives bespoke financial advice to help them achieve this. I talk things through at their pace, and I am sure to answer any questions they may have.” 

Clients working with Ani can expect a thorough process, without feeling overwhelmed. At the initial meeting, Ani will explain how advice works, what it may cost, and what clients can expect at each stage. A typical financial journey with Ani may include: 

1. An initial meeting to understand the client’s financial goals and current circumstances 

1. A review of existing pensions, savings, investments and other assets 

1. A clear, personalised recommendation with the reasoning explained in plain terms 

1. Ongoing advice and regular reviews to make sure the plan continues to reflect the client’s life stage and circumstances 

As with any investment, the value can fall as well as rise, and clients could lose money as well as make gains. Ani makes sure clients understand this before any decision is made, so they can decide with confidence. 

Understanding financial advice cost 

We understand that financial advice cost is an important consideration for many clients. We will always explain fees clearly before any work begins, so there are no surprises. The first meeting with Ani is free of charge, giving clients the chance to discuss their financial situation and decide whether to proceed, with no obligation. 

Why clients choose to work with Ani 

Clients often describe Ani’s approach as patient, clear and reassuring. Rather than presenting a one size fits all solution, Ani builds a plan around what matters most to the individual client, whether that is protecting family wealth, planning for a specific milestone, or simply gaining financial confidence in a future that once felt uncertain. Ani’s reputation among clients across the local area reflects the quality of guidance she provides. 

“Ani is excellent, explains everything in layman terms and understands your circumstances. I have no hesitation in recommending her to family and friends. She is extremely competent and knowledgeable and takes the worry out of financial planning.” 

Gillian R., verified Google review. 

Get in touch 

If you would like to discuss your financial goals with Ani, contact Bower Wealth today to arrange a free initial consultation. You can book your consultation through our website, or by calling our office.