Komal Joshi — Network Financial Adviser in Manchester
About Komal Joshi
Komal Joshi is a Senior Medical Financial Planner at Capstone Financial, with over 20 years of experience in financial services. His background spans personal banking and mortgage advice, and he now specialises in supporting medical professionals, helping them navigate the complexities of their finances – particularly the NHS Pension Scheme. Komal provides clear, practical advice across a wide range of financial planning areas, including NHS pension planning, investment planning, retirement planning, inheritance tax planning, and personal and corporate protection. He works closely with healthcare professionals to help them make informed decisions that protect their income, maximise long-term wealth, and support their personal and professional goals. His approach starts with understanding what truly matters most to you and your family. Whether you’re looking to maximise NHS retirement benefits, plan for early retirement, manage tax efficiently, or ensuring the right protection is in place, Komal creates a tailored financial plan designed to give clarity, confidence, and long-term peace of mind.
Services
- Retirement planning
Specialisations
- Medical Financial Planning
- Retirement Planning
- Tax Planning
- Investment Management
- Pension Planning
- Inheritance Tax Planning
- NHS Retirement Planning
- Protection Planning
Qualifications
Certificate in Mortgage Advice and Practice (LIBF) Certificate in Regulated Equity Release (LIBF) Diploma for Financial Advisers (LIBF)
Regulation
Komal Joshi is FCA-verified (firm: Capstone Financial).
Frequently Asked Questions
Is Komal Joshi an FCA-regulated financial adviser?
Yes. Komal Joshi is FCA-regulated and verified by Trusted Advisor. We re-check every adviser's FCA status regularly to make sure their authorisation to give regulated advice is current.
What services does Komal Joshi offer?
Komal Joshi offers Retirement planning. You can see the full list of services on this profile, or book a free initial call to discuss your situation in more detail.
How much does it cost to use Komal Joshi?
Fees vary depending on the service, the complexity of your situation and the assets involved. Komal Joshi will explain all fees clearly before you commit to anything, and the initial consultation booked through Trusted Advisor is free.
What is the difference between an independent and a network financial adviser?
Komal Joshi works as part of a network, with access to a carefully selected panel of providers. Network advisers share resources and compliance support but still tailor advice to each client's individual goals.
How do I book a consultation with Komal Joshi?
Click "Book a Consultation" on this page to choose a time that suits you. The first call is free and there's no obligation. If you'd prefer, you can also message Komal Joshi directly through the contact form.
Does Komal Joshi work with clients outside Manchester?
Many of the advisers on Trusted Advisor work with UK clients remotely as well as in person. Komal Joshi is based in Manchester but you can confirm preferred meeting locations and video options when you book your initial call.