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 comes from a credit trading background on Wall Street and the City, and was previously FCA-registered as an institutional investment adviser. He founded find your point — a financial education practice for people who have been underserved by financial services.

Regulatory note. Rahul was previously FCA-registered as an investment adviser until 2009. 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.
  • Previously FCA-registered as an investment adviser until 2009
  • Sessions cover pensions, ISAs, tax wrappers, and long-term portfolio foundations
  • Fixed fee, one-off advice model — no ongoing commission, no hidden charges
  • Direct Authorisation application in progress, 2026

Sessions

Small groups.
Real conversations.

We run 90-minute financial education sessions — generic, practical, and jargon-free. Groups of 6–10. 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.
Young Professionals

Your Money, Your Future

Pensions, ISAs and your first home — the three decisions with the most outsized impact on your future. No jargon, small group, real questions.

Wed 22 Jul · 18:30
Anyone building their foundations

The Engine Room

The systems that quietly drive your finances — how credit scoring really works, what investing actually costs, and how a globally diversified index portfolio is built.

Wed 29 Jul · 18:30
Women only

Her Money Map

A women-only evening of financial education and networking — the decisions that shape long-term financial independence, discussed openly, followed by time to talk.

Fri 31 Jul · 19:30
Anyone with savings

Where Should I Put My Savings?

Emergency money, planned spending and surplus cash — where each belongs, and how the options compare once tax and inflation are accounted for. Plain English throughout.

Wed 5 Aug · 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.