The Advisors Behind Your Retirement Plan
The Lonveriq Advisory team is made up of experienced financial planners, pension specialists, and investment analysts who share a single focus: helping clients achieve lasting retirement security. Each member of our team holds relevant professional credentials and participates in ongoing education to stay current with changing tax laws, market conditions, and planning best practices. We deliberately keep our team size manageable so that every advisor maintains a meaningful, personal relationship with their clients. The people listed here are the individuals you will actually speak with — not a call center or an automated system.
Margaret Holloway
Founder & Senior Retirement Strategist
Margaret has spent over 22 years advising individuals and families on retirement income planning and pension optimization. She founded Lonveriq Advisory after recognizing that most middle-income households were being underserved by large, commission-driven financial institutions. Her approach combines rigorous financial modeling with a genuine interest in each client's personal vision for retirement.
David Osei-Mensah
Head of Portfolio Management
David oversees the investment strategy and portfolio construction processes that underpin every client plan at Lonveriq Advisory. He brings 15 years of experience managing diversified asset portfolios across varying market cycles, with a particular focus on capital preservation during volatile periods. His disciplined, research-driven process ensures client portfolios remain aligned with their risk tolerance and long-term objectives.
Sandra Kuprianova
Pension & Benefits Specialist
Sandra is the firm's dedicated expert on defined benefit pensions, state retirement benefits, and employer-sponsored retirement schemes. She helps clients navigate the complex rules governing pension access, survivor benefits, and income optimization at the point of retirement. Her detailed, methodical analysis consistently uncovers income sources and planning opportunities that clients had previously overlooked.
James Whitfield
Tax-Efficient Planning Advisor
James focuses on minimizing the tax burden clients face during both the accumulation and distribution phases of retirement planning. He works closely with each client's existing accountant or tax professional to ensure that withdrawal strategies and asset placements are coordinated for maximum after-tax income. His expertise in tax-deferred and tax-exempt vehicles has helped numerous Lonveriq Advisory clients meaningfully extend the life of their portfolios.
Priya Nandakumar
Client Relations & Financial Wellness Coordinator
Priya ensures that every client's experience with Lonveriq Advisory is clear, responsive, and genuinely supportive from the very first consultation. She coordinates onboarding, review scheduling, and ongoing communication so that clients always know who to contact and what to expect next. Her background in behavioral finance allows her to help clients navigate the emotional dimensions of long-term financial decision-making.