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About us

The Directors of BML Financial Solutions are

  • Managing Director: Andy Pagden
  • Directors: David Bosworth and Manjit Ranu

BML Financial Solutions was set up in April 2012 by the 3 Directors. Having previously worked through Berkeley Morgan from as early as 1991 they have a wealth of experience and knowledge.

Andy Pagden – Managing Director

Andy has been in financial services since 1988 and has a vast array of experience in the industry. Previous to BML Financial Solutions he was the Business Development Director at Berkeley Morgan running the day to day operations of the business. In addition to these duties he is also a Diploma qualified Financial Adviser and continues to advise his own client bank on topics ranging from mortgages and protection to investments and pensions.

In his leisure time he enjoys golf, cycling and football. Andy is married with two grown up sons.

David Bosworth – Director

David has been in Financial Services since 1988 where he started his career with Zurich. He moved to HSBC and from there became an Investment and Pensions Adviser in 1995 with Berkeley Morgan.

He is predominantly based in London and commutes between his office in Fleet. His experience covers topics such as tax efficient and specialist investment to ISA's, pensions and mortgages.

Customer service is fundamental to BML and David prides himself on this aspect  

He holds a level 4 Diploma and the appropriate statement of professional standing.

Hobbies include cycling, hill walking and spending time with his family

Manjit Ranu – Director

Manjit started his career as a Chemistry Graduate from the University of London and after 3 years working in research he joined the Financial Services industry in November 1987. After 3 years as a tied agent he decided the best way to serve his clients was to become whole of market and joined Berkeley Morgan and was one of the original 6 founder members on HMS President. In April 2012 he, along with the other Directors founded BML Financial Solutions.

Manjit has concentrated on dealing with individuals, their families and small businesses. His main interests are now in retirement planning, investments and inheritance tax.

He lives in North London with his wife and two teenage children and in his leisure time supports Leicester City.


BML Financial Solutions has Financial Advisers who are all suitably qualified and hold relevant qualifications and will be happy to help on any given subject within the parameters of financial services.

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