0330 038 8942
Based in Bank
View locationTop Rated 2025
Top Rated advisers have met the qualification criteria for VouchedFor's Top Rated Guide, as determined by their client feedback
Verified since: December, 2024
5 out of 5
Checks carried out by VouchedFor
FCA Regulated
Ryan and/or the firm they work for (or are appointed representatives of) is regulated as appropriate by the Financial Conduct Authority
Last checked: 12 June 2025
Ryan and/or the firm they work for (or are appointed representatives of) is regulated as appropriate by the Financial Conduct Authority
5
Recent Client Reviews
Ryan has received 5 client reviews in the past 12 months; 100% of these have been verified
Verified reviews: 100%
Ryan has received 5 client reviews in the past 12 months; 100% of these have been verified
Restricted Financial Adviser
When choosing products or providers, restricted advisers have a limited selection which they can choose from. They may consider products from some, but not all, providers.
Last checked: 13 May 2025
When choosing products or providers, restricted advisers have a limited selection which they can choose from. They may consider products from some, but not all, providers.
3
Qualifications Uploaded
Ryan has added their qualifications to their profile. You can see them by clicking on the ‘qualifications’ tab below
3 qualification certificates available to view
Ryan has added their qualifications to their profile. You can see them by clicking on the ‘qualifications’ tab below
Transparent Fees
Ryan has not yet added their fees to their profile
Fees not yet added
Ryan has not yet added their fees to their profile
8
Positive First Impressions
100% of VouchedFor users have had a positive (4 or 5 star) first experience with Ryan (based on 8 first impressions)
100% of users who are not yet clients had a positive first experience with Ryan
100% of VouchedFor users have had a positive (4 or 5 star) first experience with Ryan (based on 8 first impressions)
Checks carried out by VouchedFor
FCA Regulated
Ryan and/or the firm they work for (or are appointed representatives of) is regulated as appropriate by the Financial Conduct Authority
Last checked: 12 June 2025
Ryan and/or the firm they work for (or are appointed representatives of) is regulated as appropriate by the Financial Conduct Authority
5
Recent Client Reviews
Ryan has received 5 client reviews in the past 12 months; 100% of these have been verified
Verified reviews: 100%
Ryan has received 5 client reviews in the past 12 months; 100% of these have been verified
Restricted Financial Adviser
When choosing products or providers, restricted advisers have a limited selection which they can choose from. They may consider products from some, but not all, providers.
Last checked: 13 May 2025
When choosing products or providers, restricted advisers have a limited selection which they can choose from. They may consider products from some, but not all, providers.
3
Qualifications Uploaded
Ryan has added their qualifications to their profile. You can see them by clicking on the ‘qualifications’ tab below
3 qualification certificates available to view
Ryan has added their qualifications to their profile. You can see them by clicking on the ‘qualifications’ tab below
Transparent Fees
Ryan has not yet added their fees to their profile
Fees not yet added
Ryan has not yet added their fees to their profile
8
Positive First Impressions
100% of VouchedFor users have had a positive (4 or 5 star) first experience with Ryan (based on 8 first impressions)
100% of users who are not yet clients had a positive first experience with Ryan
100% of VouchedFor users have had a positive (4 or 5 star) first experience with Ryan (based on 8 first impressions)
Upon joining the Andrew Cumming Wealth Management Ltd in 2023, my goal has been to provide friendly and tax-effective financial planning. My perspective has been shaped by various experiences, including problem-solving as a Senior Consultant for Deloitte, earning a first-class master's degree in Meteorology and Climate, and understanding how our actions impact global sustainability. Additionally, being raised in a family where we always discussed the positive outcomes of effective financial planning has deeply influenced me. These experiences, combined with my enthusiasm for planning people's long-term futures, have given me a unique perspective on personal and business relationships and the broader world. Working closely with clients is key to understanding their dreams and goals. The only way to achieve this is through personalised advice that aligns with each individual's unique situation, guiding them to financial security now and in retirement. Andrew Cumming Wealth Management Ltd is an Appointed Representative of and represents only St. James's Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority). The ‘St. James's Place Partnership’ and the titles ‘Partner’ and ‘Partner Practice’ are marketing terms used to describe St. James's Place representatives. The value of an investment with St. James's Place will be directly linked to the performance of the funds you select and the value can therefore go down as well as up. You may get back less than you invested. An investment in equities does not provide the security of capital associated with a deposit account with a bank or building society. This Partner/Partner Practice is an Appointed Representative of and represents only St. James's Place Wealth Management Plc (which is authorised and regulated by the Financial Conduct Authority) for the purpose of advising solely on the Group's wealth management products and services, more details of which are set out on the Group's website at www.sjp.co.uk/products. The ‘St. James’s Place Partnership’ and titles ‘Partner’ and ‘Partner Practice’ are marketing terms used to describe St. James’s Place representatives. SJP Approved xx/xx/xxxx
£430,000 Consumer Protection
Your money is protected against bad advice by the Financial Ombudsman Service up to a maximum limit of £430k and by the Financial Services Compensation Scheme (FSCS) if the company goes out of business (in which case, limits may vary - see the FSCS website for more details).
About Ryan's clients
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