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Alberto Ludovico
Financial Adviser

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My profile

What does a successful life look like to you — and how can your money help get you there?

Your vision is personal, and your financial plan should be too.

Originally from Milan, I moved to the UK in 2017 and began my career working in high-end resorts and golf clubs, where I developed strong interpersonal skills through daily interaction with clients from all walks of life. I later transitioned into sales and insurance, which deepened my understanding of people’s needs and financial concerns.

Two years ago, I decided to pursue a long-standing interest in finance and began the journey to become a qualified financial adviser. After many conversations about markets, planning, and the future, my colleague Neil Swinburne and I chose to start the profession together and committed to delivering clear, practical advice with a personal touch.

I specialise in:

I cover the area of London and Herefordshire.

How I work

I guide clients through a clear, four-step process designed to help turn financial goals into actionable results, while adapting as life evolves.

  1. Getting to know you

We begin with an in-depth conversation to explore what truly matters to you — your priorities, values, and ambitions. I’ll take time to understand your current position and your appetite for risk, so we can build a strong foundation of trust and clarity.

  1. Strategy

Together, we’ll map out a forward-looking plan. Where relevant, I use lifetime cashflow forecasting to give you a visual, personalised picture of your finances, showing how decisions today can shape your future. This becomes the blueprint for your strategy.

  1. Recommendation & implementation

Once we’ve agreed on the way forward, I’ll present clear and tailored recommendations aligned with your goals. I’ll take care of the implementation to help make sure everything is put in place efficiently and correctly.

  1. Review

Life doesn’t stand still — and neither should your plan. I’ll review your progress regularly, keeping everything aligned with any changes in your circumstances, goals, or legislation.

My business grows organically through referrals — I aim to build strong relationships and trust on a personal level.

How I can help you

No two people see money the same way, because no two lives are the same.

My role as a financial planner is to understand what you’re working toward—the lifestyle you want, the security you need, and the legacy you hope to leave behind—and build a financial plan that can help you achieve it.

And of course, we’ll start by tackling the immediate question or challenge that brought you to me in the first place.

Areas I can support you with:

  • Understanding your current financial picture, and improving it where possible
  • Pension & retirement planning – creating a plan for life after work, on your terms. We can plan for your dream retirement using Cashflow modelling.
  • Savings & investments – making the most of your money in a tax-efficient way. Including recommendations for suitable solutions such as Bonds, GIAs, ISAs, VCTs, AIMS, Dynamic Portfolios, etc.
  • Estate & inheritance planning – helping you pass on your wealth smoothly and tax-effectively. We can help to protect your bloodline and use trusts strategically to ensure the transition is as smooth as possible.
  • Family & business protection – helping to ensure you and your loved ones are financially secure, whatever life brings.

The value/benefit I add for you

I work with individuals and families to help them make sense of their finances, gain clarity over their future, and make confident, informed decisions that align with their goals and values.

My approach is built on trust, transparency, and simplicity — avoiding jargon and focusing instead on what truly matters to you. Whether you’re planning for retirement, building wealth, or looking to protect your family, I’ll help you create a strategy that’s practical, personal, and built to last.

I have a particular focus on supporting Italian business owners and professionals at the peak of their careers living in the UK, offering culturally-attuned and bilingual financial planning.

🇮🇹 Parlo italiano — e capisco le sfide che molti italiani affrontano quando si tratta di pianificazione finanziaria nel Regno Unito. Posso aiutarti a navigare il sistema britannico, gestire patrimoni internazionali e pianificare il futuro della tua famiglia con serenità.

My qualifications

I am a fully qualified Financial Adviser, holding the Level 4 Diploma for Financial Advisers (DipFA) from the London Institute of Banking & Finance.

About me

Outside of work, my greatest joy comes from being a dad. Family time is everything to me, and I love making memories with my children.

I’m also passionate about fitness and wellbeing. You’ll often find me at the gym early in the morning, keeping active and focused.

When I do get some time to myself, I enjoy playing golf. It’s one of the few places I can switch off, enjoy the outdoors, and embrace a bit of healthy competition.

A pension is a long term investment. The fund value may fluctuate and can go down, which would have an impact on the level of pension benefits available. Pension income could also be affected by interest rates at the time benefits are taken. Pension savings are at risk of being eroded by inflation.

Investments do not include the same security of capital which is afforded with a savings account.

When investing your capital is at risk. The value of your investment can go down as well as up and you may not get back the full amount invested.

The Financial Conduct Authority does not regulate cashflow modelling, taxation and trust advice.

Foster Denovo Limited is authorised and regulated by the Financial Conduct Authority. FCA Reg No. 462728. You can check this by visiting the Financial Services Register on the Financial Conduct Authority’s website: http://www.fca.org.uk/.