About Enkindle
Straight-talking advice, built on substance - not financial theatre.
Whether you're building long-term wealth or finding your feet after a life change, the focus stays on advice, service and real value - never on appearances.
Our team
Who you'll be working with.
Divyesh Patel
Director & Independent Financial Adviser
A Chartered Financial Planner, with a First-Class BSc in Actuarial Science from City St George's, University of London.
Over 25 years across actuarial analysis, financial planning and compliance, with deep expertise in defined benefit pensions and pensions on divorce. His grounding in consumer protection - advising on redress for mis-sold financial products - means rigour and the client's interests are built into how he advises, without compromise. Divyesh runs Enkindle Financial Planning - when you work with us, you work directly with him.
Richard Nobbs
Director
A Fellow of the Institute and Faculty of Actuaries (FIA) with decades of pensions actuarial experience.
He is the founder of Excalibur Actuaries, which provides independent expert witness reports to the courts on pensions on divorce. It was through this work that Richard saw how little good-quality financial advice was available to people at such a stressful time. Richard does not advise individual clients; instead he helps shape what Enkindle stands for - support, clarity and fair, competitive charging.
Our values
Five things we won't compromise on.
These values are behind every conversation, recommendation and fee. They are the things we measure ourselves against, whatever the circumstances.
Clarity before complexity
Financial advice should make life clearer, not more confusing. We translate pensions, investments, tax and long-term planning into plain English.
What this means for you:No jargon for its own sake, no hiding behind technical language.
Straight-talking advice
Clients deserve honest, practical advice. Our role is clear guidance that helps you decide with confidence.
What this means for you:Direct conversations, transparent recommendations, grounded in your real circumstances.
Trust through transparency
Trust is earned through openness. We're clear about how we work, what advice costs, what we can help with, and where the limits are.
What this means for you:Clear fees, clear communication.
Control through understanding
Many clients come to us at transition points - retirement, inherited wealth, later-life planning or rebuilding after divorce. We slow the pace and restore context.
What this means for you:Helping you feel back in control of your financial future.
Efficient, client-focused planning
We run an efficient modern practice, so the focus stays on advice and long-term value.
What this means for you:Efficient where suitable, face-to-face where practical, cost-conscious throughout.
Values are easy to claim - we'd rather you judged us on how we actually work.
Book a free callInvestment philosophy
Evidence-led. Cost-aware. Built for the long term.
We believe investing should be clear, disciplined and grounded in evidence - not speculation, fashion or fund-manager promises. We follow a Centralised Investment Philosophy, reviewed annually, giving a consistent framework for everything we recommend.
Client journey
Six steps, starting with a free conversation.
It begins with a free 30-minute online meeting - an informal chat for you to ask questions, and for us to see whether we can work well together. No pressure, no obligation.
- 1
Initial conversation
A free 30-minute online meeting - no preparation, no obligation. A chance to talk through where you are and what's on your mind, and for us to explain how we'd help.
Our roleWe listen first, then set out how we'd approach it.
OutcomeYou decide whether we're the right fit - no pressure either way.
- 2
Discovery
We build a complete picture of your finances: pensions, investments, savings, income, expenditure, your tax position, and what you want your money to do.
Our roleWe gather and organise the paperwork, so you don't have to chase it.
OutcomeYou give us the fuller picture - and the fuller it is, the sharper the advice.
- 3
Analysis
We assess exactly where you stand today and - where it helps - use cashflow modelling to make your financial future visible, years and decades ahead.
Our roleWe stress-test the plan against real-life scenarios.
OutcomeYou see the trade-offs clearly, not just the headline numbers.
- 4
Recommendation
Clear, evidence-based advice tailored to your objectives, risk profile and circumstances - in plain English, with the reasoning behind every choice.
Our roleWe set out the reasoning behind every choice, in plain English.
OutcomeYou get a written report to keep - no jargon, no hidden assumptions.
- 5
Implementation
Once you're happy to proceed, we put the agreed plan in place and handle the administration from end to end.
Our roleWe coordinate with providers and platforms on your behalf.
OutcomeYou're kept informed at every step.
- 6
Review
We review your plan regularly, so it stays suitable as your life, the markets and the rules around them change.
Our roleWe review on a set schedule, and we're a call away when life changes.
OutcomeYou stay on track as markets, rules and circumstances shift.