Financial Education · London
Financial neglect is almost never a knowledge problem — it is an access problem. The right information, explained clearly and at the right moment, can have a disproportionately positive impact on your long-term financial health. Financial clarity before financial products. That is what fulcrum is for.
The problem
Our focus is financial hygiene — the foundational habits and decisions that determine whether you own your financial future or are perpetually buffeted by day-to-day pressures. Pensions, ISAs, credit, property — the mechanics are not complicated. They are just rarely explained to the people who need them most.
The financial services industry was built for people who already have wealth. fulcrum is being built for everyone else — particularly those with the most to gain from getting started now.
Who we work with
Simple, targeted changes can compound into dramatically better long-term outcomes. We focus on the people financial services has routinely passed over — those for whom one clear conversation can change everything.
Nurses, engineers, developers — employer match going unclaimed, ISA discipline not yet built, pension default fund quietly underperforming for years.
Builders, electricians, plumbers — high-earning, no employer pension, no one explaining the VAT threshold trap or the true cost of leaving retirement unplanned.
Ethnic minority communities in the UK are significantly less likely to hold investments or maintain a pension above minimum levels. Language, trust, and access are barriers we aim to reduce.
About
Rahul comes from a credit trading background on Wall Street and the City, and was previously FCA-registered as an institutional investment adviser. He founded fulcrum — a financial education and advice practice for people who have been underserved by financial services.
Regulatory note. Rahul was previously FCA registered (IRN: RGM01078) as CF21 Investment Adviser and CF30 Customer until 2009. fulcrum currently provides generic financial education only — not personal regulated advice. Direct Authorisation from the FCA is being pursued. One-to-one advice will follow.
Sessions
We run 90-minute financial education sessions — generic, practical, and jargon-free. Groups of 6–10. No sales pitch, no product push.
Below are the first sessions from an ongoing series for each group. Each series builds progressively — foundations first, then deeper. Sessions are the practice's primary offer. One-to-one advice follows once FCA Direct Authorisation is confirmed.
Employer match, ISA discipline, pension default fund problems, and the NIC clock. For those early enough in their career that every year still matters enormously.
SIPP vs sole trader pension. The VAT threshold trap. Why your house is not your pension. Built for self-employed tradespeople and independent contractors.
Pensions, ISAs, credit, and protection — explained clearly for those who have never had access to this kind of conversation. Available in multiple languages where demand warrants.
Personal independent financial advice — fixed fee, whole-of-market, no trail, no retainer. Available once fulcrum holds FCA Direct Authorisation. Sessions attended now count toward your advice process later.
Contact
No hold music. No queues. A direct line to Rahul — by email, or book a time once fulcrum holds FCA Direct Authorisation.
fulcrum is a trading name of
Kibo Integral Tech Limited
Company No. 15322474
Registered in England & Wales
53 Sheen Lane, London SW14 8AB
FCA Direct Authorisation pending.