The problem

The advice gap is
not a knowledge gap.

Our focus is financial hygiene — the foundational habits and decisions that determine whether you own your financial future or are perpetually buffeted by day-to-day pressures. Pensions, ISAs, credit, property — the mechanics are not complicated. They are just rarely explained to the people who need them most.

27m
UK adults with no
financial advice relationship
£18k
Average pension pot
below recommended minimum
10yr
Typical delay before
acting on financial plans

The financial services industry was built for people who already have wealth. find your point is being built for everyone else — particularly those with the most to gain from getting started now.

Who we work with

The largest
marginal impact potential.

Simple, targeted changes compound into dramatically better outcomes — at every stage of life. We focus on the people financial services have routinely passed over, from those just starting out to families weighing up what comes next. For each, one clear conversation can change everything.

Young professionals

Early career, long runway

The years when small habits compound hardest: claiming the full employer pension match, building an ISA before the allowance expires, and learning what a credit score actually controls. Add a globally diversified index fund, left to do its work, and time does the heavy lifting no later effort can match.

Families & later life

Nearing retirement, or planning what’s next

Turning a pension into an income that lasts, keeping later-life savings ahead of inflation, and understanding what passes on. With inheritance-tax thresholds frozen and pensions drawn inside estates from 2027, the assumptions many planned to retire on no longer hold — and left late, the cost is rarely recoverable.

Tradespeople

Self-employed & independent

Working for yourself means no one builds your pension — but it also lets you build a structure an employee never can. Company contributions paid from profit, the sole-trader-versus-limited-company decision, the SIPP relief no employer hands you: powerful levers, rarely explained, and no one sets them up for you.

Underserved communities

A conversation across generations

In many families — particularly across ethnic minority communities — wills, how a home is jointly owned, and lifetime gifting go unspoken until they are urgent. A young professional is often best placed to start the conversation. Begun early, these protect a parent’s comfort in later years and a family’s inheritance from needless tax, risk and delay.

About

Markets veteran.
Now accessible.

Rahul spent his career in markets, as a Wall Street and City credit trader, and until 2009 as an FCA-registered investment adviser. In 2026 he completed the Diploma for Financial Advisers (DipFA), and he is now working towards FCA authorisation to give personal financial advice, with the Advanced Diploma as his next step. The idea is simple: the person who helps you see the frame today should, before long, be able to help you apply it to your own circumstances.

Regulatory note. Rahul was FCA-registered as an investment adviser until 2009 and now holds the Diploma for Financial Advisers (DipFA). find your point currently provides generic financial education only — not personal regulated advice. Direct Authorisation from the FCA is being pursued, and one-to-one advice will follow once it is granted.

Rahul Mani leading a find your point financial education session at The Tree House, London
Rahul leading a session at The Tree House, London.
  • Ex-Wall Street and City credit trader; FCA-registered investment adviser until 2009
  • Diploma for Financial Advisers (DipFA), 2026
  • Sessions cover pensions, ISAs, tax wrappers, and long-term portfolio foundations
  • Fixed fee, one-off advice model — no ongoing commission, no hidden charges
  • Working towards FCA Direct Authorisation

Sessions

Small groups.
Real conversations.

We run 90-minute financial education sessions, taught carefully, with charts, props and worked examples. At most ten seats a night. No sales pitch, no product push.

These are our upcoming sessions — each a standalone, practical evening on a single set of decisions. New sessions are added as the programme grows. One-to-one advice follows once FCA Direct Authorisation is confirmed.

Attendees at a find your point financial education session at The Tree House, London
A find your point session at The Tree House, London.
Protection · The Basics

Insurance You Actually Need: Life, Income and Illness Cover

Life, income and critical illness cover: what you need, what you can skip, what work already gives you, and filling the gaps.

Thu 1 Oct · 18:30
Cash with Jobs · The Choices

Where Should My Savings Actually Live? Cash, ISAs and Rates

Emergency fund, saving for a plan, investing for the long term: give every pound a job, so it’s working as hard as you are.

Wed 7 Oct · 18:30
First Home & Credit · The Choices

Buying Your First Home: Credit Score, Deposit, Rate

Credit score, deposit, mortgage: the ladder that gets you from renting to owning, and it starts with affordability.

Thu 15 Oct · 18:30
Investing · The Choices

Active or Passive? How Many Funds, and What They Really Cost

Shares, bonds and funds: what you actually own, what it costs you, and how to align your approach to suit your needs.

Wed 21 Oct · 18:30
Passing It On · The Choices

What Happens to Your Pension When You Die?

Retirement income, gifts, wills and inheritance: what happens next, and who decides. Make it your plan today.

Thu 29 Oct · 18:30
Long Term Wealth · The Choices

Pension or ISA After the Budget? What Changed for Your Money

Pensions and ISAs: which wrapper does what job, which order is best, and invested into what. One week after the 28 October Budget.

Wed 4 Nov · 18:30

One-to-one advice

Personal independent financial advice — fixed fee, whole-of-market, no trail, no retainer. Available once find your point holds FCA Direct Authorisation. Sessions attended now count toward your advice process later.

2026
View all sessions on Eventbrite

Contact

Start a
conversation.

No hold music. No queues. A direct line — by email, or book a time once find your point holds FCA Direct Authorisation.

Email
info@fypifa.co.uk
Watch
Community
Book a conversation
Schedule via Microsoft Bookings Available once find your point holds Direct Authorisation from the FCA to offer personal financial advice. Available once FCA Direct Authorisation is confirmed.

find your point is a trading name of
Kibo Integral Tech Limited
Company No. 15322474
Registered in England & Wales
53 Sheen Lane, London SW14 8AB

FCA Direct Authorisation pending.