Luke Kalsi

DipFA

As a Financial Adviser with a wealth of experience, I have supported individuals and families in building, protecting, and optimising their financial futures. My approach is holistic—ensuring every client is not only prepared for retirement, but also fully protected across all areas of financial planning.

I specialise in creating tax-efficient strategies that help clients grow and preserve their wealth. In a complex financial landscape, using the right tools at the right time is crucial—and that’s where I bring real value. Whether it's retirement planning, investment planning, or personal protection, my goal is always to ensure that clients are making the most of every opportunity available to them.

I have a strong track record of delivering measurable results to my clients. I build long-term relationships based on trust, clarity, and consistency. My clients know they have someone in their corner who understands their goals and works proactively to help them achieve their goals.

The Partner Practice is an Appointed Representative of and represents only St. James's Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority) for the purpose of advising solely on the Group’s wealth management products and services, more details of which are set out on the Group’s website www.sjp.co.uk/products. The ‘St. James's Place Partnership’ and the titles ‘Partner’ and ‘Partner Practice’ are marketing terms used to describe St. James's Place representatives.

Equillium Wealth Management Ltd is registered in England and Wales, Number 16403277. Registered Office: 1b St. Marys Road, Swanley, BR8 7BU.