Financial Planner in Liverpool for Women

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Plan with clarity. Build confidence. Create a financial future that works for you.

I am Shalini Kanap, a Chartered Financial Planner based in Liverpool, specialising in financial planning for women who want to take control of their money and future. Whether you need support with retirement planning, guidance on investment planning, or help navigating finances during divorce, I will work with you to create a plan that feels practical and achievable.

Book a 15 minute call

“My husband and I approached Shalini with the goal of consolidating our pensions and finding someone we could trust to manage them together. We also wanted to maximise our returns as a couple and grow our pension pot to potentially retire earlier. Shalini’s personalised approach is outstanding - she truly understands us and our individual and shared financial goals. It’s great that we can work on this together, knowing she’s looking after both of our interests. We fully trust her and highly recommend her to anyone seeking sound financial advice.”

— Ruth-Ellen Pintilie, London

Why Work with a Financial Planner?

As a woman, your financial journey is unique. Whether it’s building your career, managing family responsibilities, navigating divorce, or preparing for retirement, it can feel overwhelming knowing how to bring everything together.

As a Chartered Financial Planner based in Liverpool, I help women take a step back, see the bigger picture, and put a clear plan in place.

Financial planning is about creating a secure path for tomorrow, and thinking beyond today.

Her Financial Planning — Service Options

Option one

Take Flight

Money Map

A clear picture of where you are and a plan that leaves you empowered to take action in your own time.

Clarity Call

15-minute conversation, no obligation

Money Map session

Complete financial review and your prioritised plan to implement

Trusted introduction

If needed, I will introduce you to another professional who can help with the next stage of your journey

If you want clarity and a plan to action yourself

Book a Clarity Call →

Option two

Wealth Wingwoman

Money Map + ongoing advice

Everything in Take Flight, plus someone alongside you as life evolves.

Clarity Call

15-minute conversation, no obligation

Money Map session

Your complete financial picture and plan

Strategy Meeting

Agreeing priorities together

Implementation

Pensions, investments and protections in place

Ongoing reviews

Regular check-ins as life changes

If you want someone alongside you for the long haul

Book a Clarity Call →

What is the difference between a Financial Planner and a Financial Adviser?

When people look for help with money, the terms financial adviser and financial planner are often used interchangeably, but they don’t always mean the same thing.

A financial adviser can provide advice on specific areas such as pensions, investments, mortgages, or specialist insurance. This advice is often focused on particular products or meeting immediate needs.
A financial planner takes a step back to look at the bigger picture. As a Chartered Financial Planner, I help you understand how everything fits together: your goals, your values, and your lifestyle, and create a long-term plan that adapts as life changes.

Because I am both a financial adviser and a financial planner, you do not have to choose between the two approaches. You get practical, regulated advice on specific products and a holistic plan that keeps you on track for the future.

The value of an investment with St. James's Place will be directly linked to the performance of the funds you select and the value can therefore go down as well as up. You may get back less than you invested.

Your home may be repossessed if you do not keep up to date with payments on your mortgage.

Your money. Your journey. Expert financial planning for women in Liverpool and beyond.

Every woman’s financial journey is unique, whether it’s planning for retirement, reviewing pensions, investing for the future, or navigating finances during divorce. As a Chartered Financial Planner in Liverpool, I provide clear, tailored advice designed to help you feel confident and in control.

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Investment Planning

Grow your wealth in line with your goals and values

Learn more

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Business Owners

Make your business future proof through the right advice

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Divorce Advice

Move forward with confidence during and after separation

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Retirement & Pension

Review and maximise your pensions

Learn more

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Financial challenges facing women in Liverpool

Navigating financial jargon: Financial terms can feel like another language. Between retirement, investment planning, and tax planning, it’s overwhelming and easy to feel lost.

Gender gaps: With persistent pay, wealth, and pension gaps, women are often left at a disadvantage. This makes it challenging to build a future where you feel secure, even as you work hard to create a fulfilling life.
Lack of accessible advice: Finding a trusted financial adviser who understands you and values your unique goals can be difficult. Many women feel spoken down to or overlooked in finance discussions, leaving you with unanswered questions and stress about your future.

Why expert financial planning matters in Liverpool’s thriving, busy community

Having grown up in Liverpool, I know that it’s easy to get caught up in the day-to-day. From exploring independent coffee shops to flying out of stress-free Liverpool John Lennon Airport, Liverpool life is full of potential. But without a clear financial plan, it’s easy to feel like you’re juggling too much, with financial stress nagging at the back of your mind.

As a woman in Liverpool, you deserve to feel financially empowered and confident in every step you take, whether you’re building your career, setting up a business, investing in your first home, or planning for an adventurous retirement. And yet, so many women don’t feel comfortable seeking financial advice, even though it could be the key to achieving their dreams and enjoying all that Liverpool has to offer.

Empowering women in Liverpool to take charge of their finances

I founded Her Financial Planning in Liverpool to provide approachable, empowering financial advice for Liverpool’s women, so you can take charge of your finances without sacrificing the life you love.

As your local female financial planner in Liverpool, I offer:

Understanding, practical guidance: I know Liverpool’s unique spirit and the challenges women here face. Together, we’ll create a clear, practical plan tailored to your goals.
A judgment-free zone: Many clients say it’s refreshing to talk openly with a woman about their finances. My role goes beyond numbers. I’m here to understand your dreams, challenges, and worries.
Support for every stage: From early career to retirement, I’ll guide you through each step of your financial journey so you can build wealth and make confident choices every step of the way.

FAQs

Q: Does financial planning differ for women compared to men?

A: Yes, women often face different financial journeys due to various factors, such as gender pay gap and longer life expectancy. My clients also prefer to get specialist financial advice in an empathetic and educational environment.

A financial planner helps you look at the bigger picture of your money, not just one product or decision. I work with women to create clear plans for pensions, retirement, investments, and major life events such as divorce. The aim is to make your finances feel organised, achievable, and aligned with your goals.
A financial adviser can give you advice on specific areas like pensions or investments. A financial planner takes a more holistic approach, helping you connect all the pieces of your financial life. Because I’m both a financial adviser and a Chartered Financial Planner, you don’t have to choose, you get the benefit of both approaches in one place.
Costs depend on the type of support you need and the complexity of your situation. I’m always transparent about fees before we start working together, so there are no surprises. During your initial clarity call, I’ll explain the options and what’s best for your circumstances.
Absolutely! Financial freedom is about balance. You can build wealth, save for your goals, and still indulge in the little luxuries that make you happy. My job as your female financial adviser is to help you plan out all of this.
If you’re an independent woman who wants to take control of her finances while still enjoying life, this is for you. Whether you’re just getting started or want me to look over your plans to make sure you are not missing anything, I’m here to help.
The next step is easy! Book your consultation, and we’ll chat about your goals, your current financial situation, and how we can work together to create a plan that fits your life. Let’s have a coffee and see how I can help.
Regular meetings, at least annually. Your life is not static, neither are market conditions. It is important to review your financial plan and make adjustments if needed.
Yes. While I’m based in Liverpool and work with many women locally across Merseyside and the North West, I also support clients online throughout the UK. Whether you prefer in-person meetings or virtual sessions, financial planning is always tailored to your needs.
Your financial plan is completely tailored to you, but it often includes:
- Retirement planning and pension reviews
- Investment strategies aligned with your goals and values
- Protection planning (e.g. life cover, income protection)
- Guidance through major life changes such as divorce
  Most importantly, it includes regular reviews to keep you on track as life evolves.

The value of an investment with St. James's Place will be directly linked to the performance of the funds you select and the value can therefore go down as well as up. You may get back less than you invested.