Sunny Bharj

Independent Financial Adviser

Sunny is an adviser in the Equity & General team that looks after Buzz Financial Services clients, by phone and video wherever you are in the UK.

Request a meeting with Sunny The whole team

On the FCA register

Individual reference number: SSB01053. Search for it on the FCA register to see the entry in full.
Firm: Equity & General Financial Services Limited, firm reference number 474163.
Registered to advise on: Investments, including pensions.
Accredited body: The London Institute of Banking & Finance.

Read from the FCA register on 2 October 2026.

What Sunny advises on

Financial planning

Pensions and retirement

Investments

Family protection

Business protection

Inheritance and succession

Wills and estate planning

Tax planning

How much do I need to retire?

Should I transfer my final salary pension?

How do I find a lost pension?

Should I consolidate my old pensions?

How much life insurance do I need?

Do I need critical illness cover or income protection?

Should I put money in an ISA or a pension?

What happens if I die without a will?

What does financial advice cost?

Pensions and inheritance tax

Are pensions subject to inheritance tax?

Who pays the inheritance tax on a pension?

Is death in service subject to inheritance tax?

What is an expression of wish?

Director pensions

Can my company pay into my pension?

Can a SSAS lend money to my company?

Can a SSAS buy residential property?

Death in service and relevant life cover

What is death in service?

Do I still need life insurance if I have death in service?

What is a relevant life policy?

Giving money away

Can I give money to my children without tax?

What is the residence nil rate band?

How does the seven year rule work?

Capital gains tax

How much can I make before paying capital gains tax?

When do I pay capital gains tax on property?

ISAs

Is a Lifetime ISA worth it?

Can I have more than one ISA?

Taking money from your pension

What triggers the money purchase annual allowance?

Should I buy an annuity or use drawdown?

Will I pay more tax on pension drawdown in Scotland?

Your pension provider

Your Nest pension

Your People's Pension pot

Your now:pensions pot

Your Smart Pension pot

Your Aviva pension

Your Scottish Widows pension

Your Legal & General pension

Your Royal London pension

Your Standard Life pension

Your Aegon pension

Your Fidelity pension

Your Prudential pension

How far does a pension pot go?

Is a £100,000 pension pot enough to retire?

Is a £200,000 pension pot enough to retire?

Is a £250,000 pension pot enough to retire?

Is a £300,000 pension pot enough to retire?

Is a £500,000 pension pot enough to retire?

Is a £750,000 pension pot enough to retire?

Is a £1,000,000 pension pot enough to retire?

Pensions and divorce

What is a pension sharing order?

How are pensions split on divorce in Scotland?

Can the State Pension be split on divorce?

Selling or passing on your business

How much tax will I pay when I sell my business?

Will my business pay inheritance tax?