Jay Dhaliwal

Jay Dhaliwal is a Chartered Independent Financial Adviser who helps medical professionals, families and business owners make informed financial decisions through personalised financial planning. Her expertise includes the NHS Pension, retirement planning, investments, estate planning, tax-efficient wealth management and protection. Passionate about supporting both her clients and the wider profession, Jay is a Personal Finance Society (PFS) Education Champion, a member of the PFS POWER Panel, part of the PFS Regional Birmingham Committee and a mentor to aspiring advisers. She is also a school governor, a regular speaker at events sharing insights on financial planning, personal development and career progression. Jay's achievements have been recognised nationally and regionally. She was named Young Achiever of the Year at the Professional Adviser Awards 2023, recognised as a PAM NextGen Leader in 2024, and in 2025 won both the Women in Financial Advice Role Model of the Year (Large Fir