Ginkgo Financial is a dynamic and growing financial planning practice within the Quilter Financial Planning network. Ginkgo is led by Chartered Financial Planner, Daren Wallbank DipPFS, supported by a team of specialist advisers and back-office staff. We are a full-service company with a particular specialism in final salary pension advice. Ginkgo Financial Ltd is an appointed representative of Quilter Financial Services Limited and Quilter Mortgage Planning Limited, which are authorised and regulated by the Financial Conduct Authority. Estate planning and inheritance tax advice are not regulated by the Financial Conduct Authority. Transferring out of a Final Salary scheme is unlikely to be in the best interests of most people. Equity Release will reduce the value of your estate and can affect your eligibility for means tested benefits. Approver Quilter Financial Services Limited & Quilter Mortgage Planning Limited. 09/02/23.