Wealth | Legacy | Partnership
Where engineering precision meets practical wealth planning.
Corellia brings institutional-level expertise to business owners, high-net-worth individuals and families who want their wealth managed with clarity, discipline and care.
If you value depth of expertise, a personal relationship with your adviser and the reassurance that your wealth is managed with precision and care, Corellia is designed for you. Discover the difference of true independence in wealth management. Let’s build your wealth, your legacy, and your future — together.
Our Expertise
Individual services
Holistic Financial Planning
Your complete financial roadmap. We create bespoke strategies that evolve with your life, optimising wealth creation, preservation and transfer while minimising tax at every stage.
Pension Services
Personal Pensions
Build your retirement wealth with flexible pension solutions designed around your career and lifestyle goals.
Self-Invested Personal Pensions (SIPPs)
Take control of your retirement planning with wider investment choices and the freedom to build a truly personalised pension portfolio.
Pension Consolidation
Transform pension chaos into clarity. Where appropriate and suitable, we help you combine scattered pension pots into a streamlined, cost-effective retirement strategy.
Pension Drawdown
Enjoy retirement income flexibility while your pension continues working for you — accessing what you need, when you need it.
Annuities
Peace of mind through guaranteed lifetime income. We’ll find the annuity that delivers security without sacrificing value.
ISA Products
Stocks & Shares ISAs
Harness the power of tax-free growth to build long-term wealth through carefully selected investments.
Lifetime ISAs
Boost your tax-free savings power with 25% government bonuses — whether you’re buying your first home or building retirement wealth.
Junior ISAs
Give your children the ultimate head start with tax-free savings that could transform their financial future.
ISA Consolidation
Where appropriate and suitable, simplify your tax-efficient savings by bringing scattered ISAs under one roof for better management and performance tracking.
Investment Services
General Investment Accounts (GIAs)
Unlimited investment potential beyond ISA and pension limits, with tax-efficient strategies to maximise your returns.
Investment Bonds — Onshore
Sophisticated tax-deferred investing with the flexibility to access your money when life circumstances change.
Investment Bonds — Offshore
Unlock global investment opportunities with enhanced tax efficiency, particularly valuable for higher-rate taxpayers and non-UK domiciled clients.
Ethical/ESG Investments
Invest with purpose. Generate strong returns while supporting companies that align with your environmental and social values.
Solutions for Cash Holdings
Stop cash losing value to inflation. We’ll help you put idle money to work while maintaining the security and liquidity you need.
Cashflow Modelling
Visualise your financial future with lifetime cashflow forecasts. We help you plan for retirement, major spending, and legacy decisions with confidence, using scenario modelling to test different outcomes and ensure your wealth lasts.
Insurance and Protection
Level Term Assurance
Straightforward life cover that protects your family’s lifestyle and secures their future when they need it most.
Decreasing Term (Mortgage) Assurance
Smart, cost-effective protection that clears your mortgage debt, ensuring your family keeps their home.
Whole of Life Insurance
Lifetime security with guaranteed payouts — essential for inheritance tax planning and leaving a lasting legacy.
Family Income Benefit
Replace your salary with regular monthly payments that help your family maintain their standard of living.
Critical Illness Cover
Financial breathing space when serious illness strikes — providing the lump sum you need to focus on recovery without compromising your family’s security.
Income Protection
Your most valuable asset is your ability to earn. Protect your salary and lifestyle if illness or injury prevents you from working.
Business services
Business Investment Solutions
Director Pensions
Transform business profits into personal wealth. Maximise tax-efficient pension contributions while reducing corporation tax — often the most effective way to extract substantial value from your company.
Corporate Cash Management
Make your business reserves work harder. Strategic management of surplus funds through optimised deposit strategies and treasury solutions that protect and grow your working capital.
Corporate Cash Investment
Turn idle corporate cash into strategic advantage. Deploy company funds through sophisticated investment structures that deliver superior long-term returns while maintaining appropriate liquidity for operational needs.
Estate Planning for Company Directors Using Corporate Cash
Architect your wealth transfer strategy. Utilise corporate structures and assets to create tax-efficient inheritance planning that preserves maximum value for the next generation.
Business Exit Planning
Secure your business legacy and financial future. Comprehensive exit strategies that optimise sale valuations, minimise tax liabilities, and create sustainable wealth management structures for your post-business life.
Business Succession Planning
Secure your business legacy and family wealth through strategic ownership transition planning. Comprehensive structuring that ensures business continuity, optimises tax outcomes, and protects the interests of all stakeholders across generations.
Business Protection Solutions
Relevant Life Cover
Tax-efficient protection that enhances your employee benefits package while costing your business nothing. Corporate-funded life cover that provides significant personal protection while delivering corporation tax relief.
Key Person Cover
Protect your business against irreplaceable loss. Comprehensive cover that safeguards your company’s financial stability when losing critical personnel could threaten operations and profitability.
Shareholder Protection
Ensure seamless business continuity. Pre-funded buyout arrangements that protect remaining shareholders while providing fair value to departing families — avoiding forced sales or unwanted partnerships.
Business Loan Protection
Shield your business from debt devastation. Automatic loan repayment coverage that prevents business collapse and protects personal guarantees when tragedy strikes key directors.
Tax Planning Services
Income Tax Planning (Accumulation)
Architect your wealth-building strategy to legally minimise tax drag. We structure your investments and income to accelerate growth while keeping more of what you earn.
Income Tax Planning (Decumulation)
Preserve your retirement wealth through intelligent tax management. Strategic withdrawal sequencing and income structuring that extends your financial independence.
Capital Gains Tax Planning
Transform tax liabilities into strategic opportunities. Strategic and optimal timing and structuring of disposals to maximise your net investment returns and preserve capital growth.
Inheritance Tax Planning
Protect your family’s financial future from unnecessary taxation. Sophisticated estate structuring that preserves maximum wealth for the people and causes you care about most.
Specialist services
Lifestyle & Transition Planning
Business Exit Planning
Navigate your transition from business owner to private investor. Comprehensive strategies that optimise sale proceeds, manage tax implications, and create sustainable post-exit wealth structures.
International Relocation Planning
Master the financial complexities of global mobility. Seamless, comprehensive and integrated coordination of investment structures, tax obligations, and regulatory compliance across jurisdictions — essential for London’s international community.
Divorce Financial Planning
Secure your financial independence during life’s most challenging transitions. Objective analysis and strategic planning that protects your long-term wealth and wellbeing.
Later Life Planning
Navigate the complexities of aging wealth with dignity and control. Strategic planning for future financial needs, wealth preservation strategies, and protecting family inheritance while maintaining lifestyle independence.
Vulnerability & Mental Capacity Planning
Compassionate planning for those navigating mental decline or cognitive vulnerability. We coordinate with legal professionals to ensure protection, continuity, and peace of mind for families.
Life Planning & Transition Coaching
True wealth goes beyond money. We integrate values-based planning and offer coaching referrals to support clarity and purpose through major life changes.
Charitable Giving & Legacy Planning
Create meaningful impact while maximising tax efficiency. Strategic philanthropy that delivers significant tax benefits, supports causes you care about, and establishes lasting charitable legacies.
Sophisticated Wealth Solutions
Wealth Management
Holistic stewardship of significant assets through institutional-grade investment management and comprehensive financial coordination tailored to your unique circumstances.
Estate Planning
Craft your lasting legacy through sophisticated succession strategies. Advanced planning that ensures your wealth transfers efficiently while supporting your family’s long-term prosperity.
Intergenerational Wealth Planning
Unite generations through strategic planning that supports children, protects aging parents, and ensures smooth wealth transfer across your family tree.
Trust Planning Services
Harness the power of sophisticated trust structures for asset protection, tax efficiency, and multi-generational wealth preservation with complete discretionary control.
Strategy Financial Planning
Retirement Planning
Engineer your ideal retirement through integrated pension, investment, and income strategies that deliver financial security and lifestyle freedom.
Mortgage & Lending Coordination
Coordinate borrowing needs with your wider financial strategy. We work with trusted lending advisers to align property finance with tax, protection, and investment planning — particularly valuable for London’s complex property market.
Education Fee Planning
Secure your children’s educational future without compromising your own financial goals. Strategic funding solutions that balance immediate needs with long-term wealth preservation — essential for London’s premium independent schools.
Ongoing Financial Planning
Proactive portfolio and strategy optimisation through regular comprehensive reviews that adapt your plan to changing markets, regulations, and life circumstances.
For more information or to discuss your future call us (+44) 20 3375 1584
GANESH RATHINAM
Corellia Founder & Independent Financial Advisor
You deserve financial advice that’s clear, rigorous and built around your goals. I bring over 20 years in financial services to deliver exactly that. My Master’s in Aerospace Engineering and MBA in Strategy drive the analytical approach I take to your planning, turning complex decisions into straightforward, evidence-based choices.
You get the benefit of my experience at Morningstar and Fidelity, plus prior experience as a portfolio manager.That background gives you research-grade investment thinking, explained in plain English and shaped around your specific situation.
I founded Corellia as a directly authorised, fully independent, fee-only firm because your interests come first. You work directly with me (no hand-offs to junior staff) and you get clear service standards with transparent fees.
ABOUT CORELLIA
Why clients choose Corellia
- Advice aligned to you — independent and fee-only, with no commissions or hidden costs.
- Institutional expertise, personally delivered — research-driven strategies shaped to your goals.
- Direct access — you work with the founder from day one, not a call centre or junior team.
- Clear service standards — messages acknowledged and we aim to resolve all queries within within the response timeframes specified for your service tier; we aim to implement recommendations within two weeks once required information is received.
- Plain English — recommendations explained clearly until you are comfortable to proceed.
- Fully coordinated planning — investment, tax and estate advice coordinated with your accountant, solicitor and other professionals before implementation.
- Transparent fees — you know what you are paying and why.
Who we work with?
Business Owners & Company Directors
We work with entrepreneurs and directors to extract value from their businesses tax-efficiently, manage corporate cash, and plan for retirement, succession, or exit.
High-Net-Worth Individuals & Families
Clients with significant wealth come to us for tailored investment strategies, tax mitigation, estate planning, and intergenerational wealth transfer.
International Movers & Expatriates
We guide individuals relocating from the UK through the financial, tax, and regulatory complexities of international life transitions.
Clients Facing Major Life Transitions
Whether you’re navigating divorce, inheritance, ageing, or loss of capacity, we offer compassionate, professional and specialist support to protect and restructure your finances.
Parents & Family Wealth Planners
We help parents and grandparents plan effectively for school fees, gifting, trusts, and lasting family legacies without compromising their own financial goals.
Our approach
Our approach (how we work for you)
- Natural-income investing and disciplined contributions (pound-cost averaging) where appropriate, to support retirement resilience and reduce behavioural risk.
- Comprehensive, tax-efficient planning across your entire portfolio
- Long-term focus on time in the market rather than market timing, with disciplined rebalancing.
Integrated investment, tax and estate planning delivered as one coherent strategy, aligned with your professional advisers.
Our mission, vision & values
Our vision
To be the trusted adviser you turn to in London and the South East for tax-efficient, legacy-minded planning, delivered with integrity, expertise and genuine long-term partnership.
Our mission
To help you secure your financial future through tailored, tax-efficient planning and enduring relationships. With deep technical expertise and a focus on legacy, we help you grow, preserve and pass on wealth with confidence.
Our values, our promise to you
- Integrity first — complete transparency, independence and an unwavering commitment to your best interests.
- Excellence always — sophisticated solutions grounded in rigorous analysis and specialist collaboration.
Partnership for life — advice that adapts as your goals and circumstances evolve. - Legacy-driven — strategies designed to protect and preserve wealth across generations.
CONTACT US to schedule your free, no-obligation initial consultation
e: info@corelliafs.com | t: (+44) 20 3375 1584
o: Arena Offices – 2F02, 100 Berkshire Place,
Winnersh, Berkshire, RG41 5RD