Business Details
8 Years
experience
Expert Financial Planning Services in Leicester
At ISJ Independent Financial Planning, we combine over 30 years of industry expertise with a commitment to providing truly independent financial advice. Our founder, Lena Patel, brings extensive experience from Barclays and Santander, alongside Chartered and Fellowship status with the Chartered Insurance Institute (CII), positioning us among elite financial planners. We specialise in addressing unique financial challenges, particularly for women, during retirement, divorce, or life transitions. Recognised for award-winning client service in 2022, our approach prioritises understanding individual needs to create bespoke financial strategies.Our local presence in Leicester allows face-to-face consultations while serving clients nationwide. We adhere to rigorous professional standards, being authorised and regulated by the Financial Conduct Authority, ensuring transparency, ethical practice, and client-centric solutions. With a proven track record of 99% client satisfaction, our focus remains on empowering clients to achieve financial clarity and security through tailored planning.
Services
Financial Planning for Women
Investment Planning
Cash Flow Modelling
Lifestyle Financial Planning
Inheritance Tax Planning
Tax and Trust Planning
Retirement Planning
Details
- Year established: 2018
Highlights and features
- Chartered and Fellowship status with the CII demonstrates elite professional standards
- Over 30 years of experience in financial services including major institutions
- Award-winning client service recognised in the 2022 Growth Investor Awards
- Bespoke financial strategies tailored to individual life circumstances
- Local Leicester expertise combined with nationwide service delivery
Associations and certifications
- Chartered Insurance Institute
- Financial Conduct Authority
What people say
Great professional service
Very professional and helpful
Confident Lena has our best interests
Like Lena's approach
Extremely knowledgeable and professional
Services
Retirement Planning
Our retirement planning service creates customised strategies to ensure financial security during your later years. We assess your current position, desired lifestyle, and long-term goals to build sustainable retirement income solutions. With expertise in pension optimisation and tax-efficient withdrawals, we help clients maintain financial independence while navigating life transitions.
Investment Planning
Investment planning services focus on aligning portfolio strategies with individual risk profiles and financial objectives. We provide comprehensive market analysis and diversification strategies to maximise growth potential while managing risks. Our approach combines thorough research with ongoing portfolio monitoring to adapt to changing market conditions and client needs.
Cash Flow Modelling
Cash flow modelling provides detailed projections of future financial positions using sophisticated planning tools. We analyse income streams, expenses, and savings patterns to create visual representations of financial scenarios. This service enables informed decision-making about major life changes and long-term financial commitments.
Inheritance Tax Planning
Inheritance tax planning focuses on minimising tax liabilities while preserving family wealth across generations. We develop tailored strategies using trust structures, gifting strategies, and tax-efficient investments. Our approach ensures your legacy passes to beneficiaries according to your wishes while complying with complex tax regulations.
Financial Planning for Women
Specialised financial planning addresses women's unique economic challenges including career breaks and longevity planning. We provide confidence-building strategies for divorce transitions, single life planning, and wealth management. Our empathetic approach combines technical expertise with understanding of gender-specific financial needs.
People
Lena Patel
Founder & Chartered Financial Planner
Lena Patel, founder of ISJ Independent Financial Planning, brings over 30 years' experience in financial services. A Chartered Fellow with CII membership, she specialises in personal financial planning for women, retirement strategies, and divorce-related financial solutions. Recognised in the 2022 Growth Investor Awards for exceptional client service, Lena combines technical expertise with compassionate guidance.
Questions
What makes ISJ Independent Financial Planning unique?
As a Chartered Fellow with the CII, Lena combines 30+ years' experience with specialisation in women's financial needs. Our Leicester-based practice combines local expertise with nationwide service, offering regulated advice tailored to life transitions.
How do you approach retirement planning?
We create custom retirement strategies considering pension optimisation, income requirements, and long-term care needs. Using cash flow modelling, we ensure your financial plan supports your desired lifestyle throughout retirement while minimising risks.
Do you offer local face-to-face meetings?
Yes. While serving clients nationwide, our Leicester office provides face-to-face consultations for local clients. This combined approach maintains personal relationships while offering flexible virtual options for distance clients.
How does your financial planning process work?
The six-stage process begins with goal setting, data gathering, and current position assessment. We develop custom plans, implement strategies with client guidance, and maintain ongoing reviews to ensure plans evolve with changing circumstances and life stages.
Can you help with divorce-related financial planning?
Yes. We specialise in financial planning for divorce situations, providing expert guidance on asset division, income restructuring, and long-term financial security. Our approach combines technical expertise with compassionate support during transitional periods.
Reviews (4)
Sara Penter
Dec 06, 2021
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Positive:Quality
I really like Lena's approach to finding out what you want life to look like the you are retired so that you can clarify what your financial needs are.
I really like Lena's approach to finding out what you want life to look like the you are retired so that you can clarify what your financial needs are.
Jodie Clarridge
Nov 23, 2021
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Lena is not only extremely knowledgeable and professional, but also a really nice person to deal with. I would highly recommend. Thank you again Lena for all of your advice and support.
Karen Curtis
Jul 31, 2021
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Positive:Professionalism,Quality,Responsiveness,Value
Lena is very professional and helpful. Were always confident that Lena has our best financial interests at heart.
Lena is very professional and helpful. Were always confident that Lena has our best financial interests at heart.
Pranav Patel
Jul 04, 2021
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Positive:Professionalism
Great professional service provided by ISJ Independent Financial Planning. Offered a good view on retirement options as well as possibilities for current investments. Worth taking time for a friendly discussion.
Great professional service provided by ISJ Independent Financial Planning. Offered a good view on retirement options as well as possibilities for current investments. Worth taking time for a friendly discussion.
