Ruben Lo
APFS
As a Chartered Financial Planner and nominee for Money Marketing Young Financial Planner of the Year 2025, I am dedicated to supporting clients at every stage of life, with tailored advice that empowers them to make confident decisions and achieve their goals.
About
I established Quantum Financial Planning to combine professional expertise with a more personal, client-first approach. After working at both national and specialist firms, I saw how advice could sometimes feel transactional. My vision was to create something different, a business where planning is centred on people—their goals, values, and lasting peace of mind.
Over the years, I have helped manage substantial client assets and supported families through complex financial decisions. That experience has shaped the way I work today. Whether it’s guiding young professionals as they establish their futures, helping families build and protect wealth, or providing clarity through retirement and legacy planning, my aim is to deliver confidence at every stage of life.
At Quantum, our commitment is to stand alongside clients throughout their financial journey. With personal relationships and integrity at the heart of everything we do, our advice is built to remain clear, consistent, and trusted providing clarity today and confidence for tomorrow.
Accreditations
Prestigious industry status recognises the value I place on my development and gives clients the confidence that they are supported by one of the UK’s leading wealth professionals.
Click on the accreditations for more information
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.
