Raul Renjel | In2 Planning Ltd
  • I’m In2 looking after clients

    Phillip Cowen Certified Financial Planner

    By making the right financial planning and investment decisions, Phillip gives his clients – and their families - choice and security.

    With a BA in Philosophy & Psychology and a Post-Graduate Marketing Degree, Phillip has been an adviser since 1995, working with a range of business owners and the self-employed. After taking the Diploma in Financial Planning in 2013 Phillip is now a Certified Financial Planner, the only globally recognised mark of excellence in Financial Planning. His main focus is on helping them achieve - and then protect - their desired lifestyle, often through the use of sophisticated planning software.

    Away from work, Phillip enjoys spending time at home with his wife and two young daughters as well as a wide range of sports including motorcycling, golf, cricket, rugby and snowboarding. He’s also an active member of several charitable organisations and coaches his oldest daughter's hockey team.

  • I’m In2 property

    Eve Randall Head of Home Finance

    Eve is our property finance expert - specialising in all forms of residential, investment and commercial mortgages.

    Eve's foundation is in financial services where she originally started within NatWest Bank as a Customer Advisor. Having completed her Certificate in Mortgage Advice and Practice, she has continued to work within the financial services and mortgage industry for over 17 years’ and has gained a wide range of experience in areas which most notably include residential and buy-to-let, remortgaging, capital raising and also within the more specialist areas of finance such as secured loans.  Having worked closely with other regulated advisers and dealt with the vast majority of lenders both on and off the high street, Eve has the experience to assist with the majority of borrowing that may be required.

    Eve lives with her family in Buckinghamshire and enjoys keeping fit, travelling and eating out.

  • I’m In2 compliance

    Daniel Renjel Head of Operations and Assistant Compliance Officer

    Daniel makes sure we operate within the rules - keeping all of our practices and procedures up to date and fully compliant with FCA regulation.

    Daniel  is currently working towards his Diploma in Financial Planning – having already completed modules CF1-4 and R0, while assisting Philip Cohen with client projects on a day-to-day basis.

    He’s our electronics expert and enjoys catching up on the latest presentations from major electronics shows. He’s also a keen traveler, likes eating out, exploring his home city of London, tending to his allotment and commutes to work by bike.

  • I’m In2 collaboration

    Martin McNamara Later Life Financial Planner

    Martin believes in working closely with his clients to understand their goals and quickly get to the heart of their financial planning needs.

    Over two decades of industry experience has seen him work with a diverse range of clients at some of the UK’s largest financial institutions – building long-term relationships thanks to a comprehensive approach.

    Ten years working at Mutual offices has given him a deep understanding of how “With Profits” investments work. He advises the pre and post retired, helps with multi-generational planning - dealing with up to four generations for many families - and is an expert in the tax efficient use of assets.

    Married with two children, he enjoys countryside walks, listening to music, military history and Japanese fencing – which gives him the chance to relive an energetic youth.

  • I’m In2 charity investment

    Tanya Pein Investment specialist

    Tanya uses her in-depth investment expertise and strong third sector experience to help charities and individuals cost-effectively make the most of their investments.

    She is a Cambridge graduate, and served on the award-winning investment committee of a £100 million endowment fund from 2002 to 2013.

    A guest lecturer on Europe’s leading charity investment courses, she advises on portfolios of all sizes, and provides training on investment and ESG issues for trustees. She co-founded a charity that has now supported over 20,000 people.

    Having run a £30 million group of businesses in 11 countries, Tanya understands the financial needs of busy senior executives and advises private individuals with large investment portfolios. She is regularly quoted in the media and recently appeared on BBC Radio 4 show, Money Box.


  • I’m In2 tailor-made investment

    Philip Cohen Managing Director

    Philip Cohen is the Managing Director and founder of In2 Planning Ltd.

    Having successfully run a financial services firm across different regulatory environments, in both good and bad economic conditions, he can provide detailed planning advice to private clients, partnerships and limited companies – with a focus on helping entrepreneurs both pre and post-sale of their business.

    His time is split between looking after clients (some have been with him for over 27 years) and overseeing the development of In2 to ensure the business continues to deliver up to date and effective financial planning.

    He has two teenage children, and enjoys sailing, masters swimming, gardening and cycling.

  • I’m In2 service

    Sophie Day Client Services Executive

    Sophie is a key member of our customer support team – working hard to ensure that we maintain the highest standards at all times.

    The youngest – and newest – member of the in2 team, she is currently half way through her Certificate in Financial Administration and is focused on continuing her professional development.

    A keen netballer and History graduate, specialising in modern European history, she has travelled fairly extensively across Southern and Central America as well as India – where she discovered her love of elephants.

  • I’m In2 pensions

    Ray Frost
    Independent Financial Adviser

    Ray helps people understand their assets and plan for retirement. He keeps things simple too – using clear information to make informed decisions.

    Whether it’s a tax wrapper, property or sale of a business, everyone has different ideas about retirement provision. Ray helps his clients make sense of their individual circumstances – and improve on them where he can – with detailed insight and independent advice.

    A large part of his success comes from the ability to keep things simple. He’s skilled at removing confusing jargon so that his clients understand how financial rules can affect their plans. As a result, he can be sure of long-term relationships with clients that make the best financial decisions.

  • I’m In2 Co-Founder

    Raul Renjel Chartered Wealth Manager

    Raul started working with Philip at the Michael Philips Partnership a few years before being a founding member of both IN2 Consulting Ltd and In2 Planning Ltd.




    Raul developed and ran a unique Private Wealth service, taking the best concepts from a family office and private bank, for the benefit of his clients.

    He led the Private Wealth and investment team for many years before setting up Arcrate RJIS with Raymond James Investement Services.

    In his spare time he enjoys spending time with his young family and playing music, being both an accomplished pianist and guitarist.