Nilay Joshi — Financial Advisor 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 (IHT) 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
- Inheritance Planning
Qualifications
Nilay holds the Level 4 Diploma in Regulated Financial Planning (DipPFS) from the Chartered Insurance Institute, the recognised benchmark qualification for regulated financial advisers in the UK. He also holds the Certificate in Mortgage Advice and Practice (CeMAP) from the London Institute of Banking & Finance (LIBF), reflecting his extensive background in mortgage and protection advice. In addition, he completed Mattioli Woods' Financial Adviser Academy, through which he joined the firm in 2023.
Fees
Nilay offers an initial consultation to understand each client's circumstances and goals. He will then explain his fees clearly and transparently before any work begins, so clients always understand the cost of advice in advance. Fees may apply on an initial and ongoing basis depending on the services provided.
Regulation
Nilay Joshi is FCA-verified (firm: Mattioli Woods).
Frequently Asked Questions
Is Nilay Joshi a regulated financial advisor?
Yes. Nilay Joshi is FCA-verified and authorised under Mattioli Woods, meaning they are authorised and regulated by the Financial Conduct Authority to provide financial advice in the UK.
What financial services does Nilay Joshi offer?
Nilay Joshi offers Retirement planning, IHT planning, Sharia-compliant advice, Mortgages, Insurance.
Where is Nilay Joshi based?
Nilay Joshi is a financial advisor based in Leicester, serving the E, EC, N, NW, SE, SW, W, WC postal areas.
How does Nilay Joshi charge for financial advice?
Nilay offers an initial consultation to understand each client's circumstances and goals. He will then explain his fees clearly and transparently before any work begins, so clients always understand the cost of advice in advance. Fees may apply on an initial and ongoing basis depending on the services provided.
What qualifications does Nilay Joshi hold?
Nilay holds the Level 4 Diploma in Regulated Financial Planning (DipPFS) from the Chartered Insurance Institute, the recognised benchmark qualification for regulated financial advisers in the UK. He also holds the Certificate in Mortgage Advice and Practice (CeMAP) from the London Institute of Banking & Finance (LIBF), reflecting his extensive background in mortgage and protection advice. In addition, he completed Mattioli Woods' Financial Adviser Academy, through which he joined the firm in 202
How do I book a meeting with Nilay Joshi?
You can book a free initial consultation with Nilay Joshi directly from their Trusted Advisor profile by selecting a time that suits you. There is no charge for the initial call.