Personable advice from the very start of our journey
Can We Work Together?
Welcome — Let’s Talk About You, Not Just Your Money
Most financial advisers talk about numbers first. I talk about people. Because behind every mortgage, pension, or investment plan, there’s a life story — your story — and my job is to help you write the next chapter.
I’m Richard, an Independent Financial Adviser who believes finance doesn’t have to be complicated, intimidating, or full of jargon. Working with me means you get clear, honest advice, tailored to the life you actually want to live — not a one-size-fits-all plan.
What Working With Me Feels Like
When you pick up the phone or sit down with me, there’s no sales pitch and no rushed “tick-box” meeting. We start by talking about your world: your home, your work, your dreams, your worries — even the little things like the holiday you’ve always wanted to take or the home renovation you’ve been putting off.
From there, I’ll bring the financial toolkit — mortgages, retirement planning, equity release, investments, protection policies, tax efficiency — and together we’ll build something that makes sense for you.
What I Can Help You With
Because I’m an Independent Financial Adviser, I’m not tied to one bank or one set of products. I can search the whole market to find the right fit for you. That means:
- Mortgages — from your first home to remortgaging, buy-to-let, or equity release in later life
- Retirement Planning — making sure your pension and investments match the lifestyle you want
- Investments — strategies to grow and protect your money over the short, medium, and long term
- Protection — life cover, critical illness, and income protection so your family is financially secure
- Business Advice — helping business owners with finance, succession planning, and protection
Real-Life Stories
Helping a client stay in the home they love
One client came to me in their late 70s, worried about rising bills and mortgage payments. They thought selling up was their only option. Instead, I structured an equity release plan that cleared the mortgage, reduced their outgoings, and gave them enough extra for home improvements. The relief on their face was worth more than any fee.
Turning debt into breathing room
A client with multiple loans was paying high monthly repayments and feeling the squeeze. I helped them consolidate the debt into a single, lower-cost plan, freeing up over £500 a month — money they now put towards their children’s savings.
From confusion to clarity
A couple nearing retirement had six pensions between them, all in different places. They were overwhelmed and didn’t know where to start. I explained their options in plain English, brought the pensions together, and set up a tax-efficient income plan. Now they know exactly what they can afford, and they’ve booked that cruise they’d been talking about for years.
Why Clients Stay With Me
- I listen first — I want to know what really matters to you before I talk solutions.
- I explain in plain English — no jargon, no complicated graphs you don’t understand.
- I’m here for the long term — clients often stay with me for years, sometimes decades.
- I’m independent — I search the whole market to get the best options for your needs.
Let’s Start With a Conversation
If you’re looking for a financial adviser who treats you like a person, not a product sale, I’d love to chat. There’s no cost for an initial conversation — just the chance to explore how I can help you get where you want to go.
Contact Us
Better yet, see us in person!
It is never too early to get started on your investment plans. Tell us more about your goals, and we will get you started on a plan to achieve them.
Hours
Mon | 09:00 – 17:00 | |
Tue | 09:00 – 17:00 | |
Wed | 09:00 – 17:00 | |
Thu | 09:00 – 17:00 | |
Fri | 09:00 – 17:00 | |
Sat | Closed | |
Sun | Closed |