Melvina Quirke — 5 out of 5
Nilay has seamlessly continued our long-term relationship with Mattioli Woods. He is proving sympathetic and understanding of my situation, being both patient and comprehensible!
Nilay Joshi — Financial Adviser in Leicester
About Nilay Joshi
Nilay Joshi is a Wealth Management Consultant at Mattioli Woods, with nearly twenty years of experience across financial services. His advice covers holistic wealth management, including pension planning, investment solutions and inheritance tax planning — areas he believes can feel complicated until someone takes the time to explain them properly. Much of Nilay's early career was spent as a mortgage adviser, a role that shaped everything about how he works today. Guiding people through one of the biggest financial decisions of their lives taught him that good advice is never transactional; it demands patience, clarity and genuine care. Clients returned to him year after year as their lives changed — remortgaging, upsizing, moving, adjusting to new partners, children and priorities — and the relationships he built were founded on trust, empathy and transparency. Having worked across mortgage advice and both retail and commercial banking, he has seen money from almost every angle and understands how it moves through people's lives at every stage. Nilay joined Mattioli Woods in 2023 through the Financial Adviser Academy, bringing with him a deep respect for what clients have worked hard to achieve. Whether a client is unsure where to start or simply wants someone to make sense of what they already have, his role is to sit with them, understand what matters, and give honest, straightforward advice. He is candid about the options available, clear about the risks involved and consistent in the quality of advice he provides — because for Nilay, transparency isn't an aspiration but a way of working. He measures success not in figures or assets, but in whether he acted with integrity every time and whether his clients felt genuinely looked after. Outside of work, family comes first; he has two children who keep life full and busy, and in his own time he enjoys long walks and following Newcastle United with the optimism every new season demands.
Services
- Retirement planning
- IHT planning
- Sharia-compliant advice
- Mortgages
- Insurance
Specialisations
- Retirement Planning
- Tax Planning
- Investment Management
- Inheritance Tax Planning
- Pension Planning
- Holistic Financial Planning
Qualifications
Diploma in Regulated Financial Planning (CII) Certificate in Mortgage Advice and Practice (LIBF)
Regulation
Nilay Joshi is FCA-verified (firm: Mattioli Woods).
Client Reviews
Frequently Asked Questions
Is Nilay Joshi an FCA-regulated financial adviser?
Yes. Nilay 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 Nilay Joshi offer?
Nilay Joshi offers Retirement planning, IHT planning, Sharia-compliant advice, Mortgages. 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 Nilay Joshi?
Fees vary depending on the service, the complexity of your situation and the assets involved. Nilay 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?
Nilay Joshi is an independent financial adviser, which means they can recommend products from across the whole of the UK market without being tied to any single provider. This generally allows for more impartial advice.
How do I book a consultation with Nilay 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 Nilay Joshi directly through the contact form.
Does Nilay Joshi work with clients outside Leicester?
Many of the advisers on Trusted Advisor work with UK clients remotely as well as in person. Nilay Joshi is based in Leicester but you can confirm preferred meeting locations and video options when you book your initial call.