Building The Team

Assembling this group of specialists has been the hardest task that we have undertaken over the past couple of years. Sanjay has painstakingly researched many firms and individuals and conducted interviews to ensure that each and every firm and individual meet certain non-negotiable criteria: but if such criteria conspires not to be met then Sanjay is allowed to terminate his relationship with the specialist surgeon. We also are conducting client surveys on the quality of the services provided by them to ensure that our brand value and the model is always adding customer value.

Ethos and Values.
A fundamental requirement - we can only work with firms who share our philosophical and ethical approach, which is that the priority of every phone meeting, recommendation, plan and action is what is best for the client. This is very simple to say, and much harder to find!

Transparent and Simple Charging.
The firms with whom we work with must operate and charge as we do, in a completely open way, so that clients know exactly how much they are paying and for what. Again this was not easy to find them. In the past, some financial services companies and product providers have operated using a range of different charges, extras, rebates and commissions, many of which have been (quite legally) next to impossible for clients to understand. You will never have to ask our consultants how much they charge, it will be made totally clear to you from the start.

Value for Money.
We have negotiated arrangements with every one of our consultants so that, as a Gohil and Gunby client, you will pay significantly discounted fees.

Passion and Enthusiasm.
Sanjay Gohil's passion for his work, his principles and for growing his clients' wealth is clear and obvious to anyone who meets him. It's unthinkable that he would join forces with anyone who doesn't exhibit the same dedication!

Our in-house services

For further details please see each company's Terms of Business.

Gohil and Gunby Financial Services Limited

Sanjay Gohil is the Managing Director of Gohil and Gunby Financial Services Limited. Sanjay and his team provide a comprehensive holistic financial planning service ranging from pensions, ISA's, retirement planning, tax efficient savings, life assurance and inheritance tax planning.

How Does It Work?
In order to help you achieve your financial independence Gohil and Gunby Financial Services Ltd have developed and refined a seven point system which we follow with every client. It begins with your first visit to a Finacial Adviser.

Step 1: Introductory Meeting

Our approach and ethics, and yours.
As a prospective client you'll receive 'bedtime reading' even before the first meeting. It's aimed at giving you a sense of our ethos to see if it matches your own. Being a Gohil and Gunby Financial Services Ltd client is not a passive activity. It is a close, working relationship, which goes well beyond transactions, and frankly, we are not right for everyone. At the heart of our relationship is our flat fee model and the explanation of this approach is a key part of the introductory meeting. You will also be introduced to our consultant structure. There is no charge for this meeting, and no obligation.

Step 2: Understanding your objectives

Your mission plans
Here, you talk, we listen. You may already have a clear set of objectives or maybe just a dream, a goal or even some fears about the future. Or perhaps, like many, you don’t. A big part of our process is to encourage our clients into saying what they want. Is it more cash flow, retirement by a certain date, security for your family in the event of death or passive income so you can have time to enjoy what you have earned? The more we know, the more we can help.

Step 3: Collect and analyse

... income, assets, spending, needs
You might be surprised at how much detailed information we ask for– about how you live, what you spend, what you own, where you bank, what you owe, and why. We’ll ask you to authorise your current accountants, lawyers, brokers to share information with us because access to the minutiae of your financial situation is key to our being able to help plan your future. By the way, we have absolutely no intention of usurping your current team, and there will be no pressure for you to switch to ours.

Step 4: Create a model

what you'll need for the rest of your lives
Once we know the lifestyle you want, we’ll help you define and cost it and create a model of your future, which we’ll display on-screen for you to consider. Our program allows us to adapt or evolve it as our discussions progress. Sometimes, in order to achieve the future you want, change will be necessary. We will help you manage it.

Step 5: Create a plan

This is the motor which will drive your financial future, an investment plan and asset allocation that is unique to you, based on your specific growth requirements, liquidity and timescales. As part of the preceding steps we will have analysed and discussed your capacity and tolerance for risk, and we will naturally take this into account when creating your own personal plan. There are few ironclad guarantees in this life, but we are achieving results for our clients, and for our firm. As a result of personal recommendations we have added further private fee clients in the past year and we expect the trend to continue.

Step 6: Plan to save tax

There’s not much point in planning to create wealth if the Chancellor of the day takes an unreasonable slice, either during your life or from your Estate. Considering how to deal with your current and future tax situation is an important part of the plan.

Step 7: Review annually

We called the plan 'the motor', but we could equally describe it as a Journey, one we take together, and this means meeting regularly to see where we are, check if circumstances and needs have changed and to re-assess and adapt your plan if necessary. Review meetings are at least once a year – more often if necessary.


The guidance provided within this literature is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK.

Gohil and Gunby Financial Services Ltd is an appointed representative of Tenet Connect which is authorised and regulated by the financial conduct authority. TC is entered on the financial services register ( under reference 149826.

Registered in England and Wales under reference: 09083917
Registered office address: 111 Melton Road, Leicester, LE4 6QS


Financial planning helps you get organised
Today, money management and investment is a full-time occupation. Financial planning has become essential for anyone who is serious about achieving financial independence.

A financial planner doesn't replace your solicitor, accountant or stockbroker. Instead he works with them to achieve your goals.

He doesn't prepare your tax returns; your accountant does that. Rather he helps you plan the best overall tax strategy and takes the initiative in bringing to your attention ideas which help you achieve your financial objectives.

He doesn't write your will. But he does work with your solicitor to protect your estate from Inheritance Tax and ensure Financial security for your dependants.

He doesn't deal on the stock market but can liaise with your stockholder to maximise the return on your capital. He will also advise on a wide range of investment which you may not have considered.

Financial planners look at your arrangements as a whole, then put together and coordinate the resources you need to achieve your objectives.

People don't plan to fail,
they just fail to plan.

Gohil and Gunby Canary Wharf Lettings and Management Limited

Gohil & Gunby Canary Wharf Letting and Management Limited is our in-house letting and management service, which offers further added value and convenience via an extremely competitive let and managed pricing proposition.

We have offices in Leicester and Canary Wharf.

Gohil and Gunby Canary Wharf Lettings and Management Limited is not regulated by the FCA and is not covered by Tenet.

Gohil and Gunby Management Services Limited

Gohil and Gunby Management Services Limited provides independent advice on business problems. We plan, design and deliver solutions that result in real value through realising potential efficiency gains from implementation of organizational business change.

Where necessary, we will also bring in third party specialist consultants in tax, law and finance to work in partnership with us at a discounted price for Gohil and Gunby clients.

Gohil and Gunby Management Services Limited is not regulated by the FCA and is not covered by Tenet.

Gohil and Gunby Property Services Limited

It is a reality that estate agents work in the interests of their clients- the sellers. On the other hand, Sanjay, as Director of Gohil and Gunby Property Services Limited follows his established model, and works in the interests of his clients- the buyers.

Through dealing directly with developers, negotiating hard and bulk buying, Sanjay is able to purchase buy to let investment properties which add value to his clients' property portfolios. He focuses predominantly on the London property market but also covers other UK regions.

Rather than following the market and charging clients a huge finder's/retainers fee for the search and a finders/success fee, Sanjay charges a flat monthly fee for a 12 month period for the entire service, hugely adding value. Gohil and Gunby Property Services receives no financial gain connected with any discounts on the purchase, all of which are retained by the client. (We are happy to provide examples of previous purchases).

We dovetail our property purchase service with an in-house lettings and management service, which we provide to Gohil and Gunby Property Services flat fee clients at an extremely competitive price.

Gohil and Gunby Property Services Limited is not regulated by the FCA and is not covered by Tenet.

Our team of third party consultants

Our third party consultants are not part of Gohil and Gunby - they work in partnership with us.

Mortgage Services

Gohil and Gunby's appointed Mortgage specialists have over 70 years' combined experience in the estate agency and mortgage industry, therefore can offer their extensive knowledge and guidance throughout your transaction. They offer the best advice from an extensive panel of lenders and can quote for your Buildings and Contents Insurance and are currently exclusively offering Gohil and Gunby Property Services Ltd clients half the commission (less their admin network fee) that the broker receives from the lender on completion as well as not charging an arrangement fee. Adding further value!

Accountancy Services

Gohil and Gunby are introducers to various Chartered Accountancy firms that provide a complete accountancy service, tax planning and business advice to small and medium sized businesses. This comes with a highly competitive pricing proposition negotiated for Gohil and Gunby clients.

Residential Property Investing Education

Gohil and Gunby are introducers to Residential Property Investment Education specialists 'Property Investors Network', headed by Simon Zutshi. Simon Zutshi is one of the UK's most respected property investing experts with over 17 years of experience. He is the author of an Amazon No 1 best selling property book, and is regularly asked to share his experience and knowledge at wealth creation events in the UK and abroad. This course is provided at an advantageous fee structure to Gohil and Gunby clients.

Commercial Property Services

Gohil and Gunby are introducers to various Commercial Property specialists who locate and acquire commercial property in line with clients' specific requirements. This comes with a transparent and highly advantageous fee structure to Gohil and Gunby clients.

Commercial Finance Services

Gohil and Gunby's appointed Commercial Finance specialists work closely with our commercial property specialists to provide a complete Commercial Property service. With a vast network of contacts with banks and commercial providers, they assist clients with finance for business acquisition, working capital, invoice and assets.

Legal Services

Gohil and Gunby are introducers to a number of solicitors' firms advising a range of private and business clients all over the country. Legal services include: Wills, Probate, Trusts, Commercial Litigation, Employment Law, Family Law and Property conveyancing. Fees are most competitively priced inthe marketplace.

Discretionary Investment Management

In addition to Gohil & Gunby Financial Services' ability to create and manage model portfolios for client investments, they work together with discretionary fund managers to meet clients' needs.

IT Services

generationNET Ltd provide web related IT services throughout the UK, with many years experience designing and developing websites.

Services available include;

  • website development for small businesses
  • eCommerce websites
  • email & web hosting
  • internet Marketing - direct emailing
  • search engine optimisation
  • social media for business
  • copywriting for business – websites, e-newsletters, news/press releases and blog posts
  • Marketing - mentoring for business owners

Gohil & Gunby clients will be able to obtain discounted rates for these services.