Ricardo Da Silva
Linkage Financial Solutions Ltd
Minimum savings/pensions: Over £100,000
Minimum mortgage: Over £100,000
0330 038 8939
Based in Beverley
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: September, 2023
4.8 out of 5
Checks carried out by VouchedFor
FCA Regulated
Ricardo and/or the firm they work for (or are appointed representatives of) is regulated as appropriate by the Financial Conduct Authority
Last checked: 03 August 2025
Ricardo and/or the firm they work for (or are appointed representatives of) is regulated as appropriate by the Financial Conduct Authority
6
Recent Client Reviews
Ricardo has received 6 client reviews in the past 12 months; 100% of these have been verified
Verified reviews: 100%
Ricardo has received 6 client reviews in the past 12 months; 100% of these have been verified
Independent Financial Adviser
An independent adviser can advise across a sufficiently diverse range of products to help meet a client’s objectives. They are in no way limited to products provided by companies they work for.
Last checked: 27 March 2025
An independent adviser can advise across a sufficiently diverse range of products to help meet a client’s objectives. They are in no way limited to products provided by companies they work for.
11
Qualifications Uploaded
Ricardo has added their qualifications to their profile. You can see them by clicking on the ‘qualifications’ tab below
11 qualification certificates available to view
Ricardo has added their qualifications to their profile. You can see them by clicking on the ‘qualifications’ tab below
Transparent Fees
Ricardo has added their fees to their profile. You can see them by clicking on the ‘fees’ tab below
Ricardo has provided information on their typical fees
Ricardo has added their fees to their profile. You can see them by clicking on the ‘fees’ tab below
20
Positive First Impressions
95% of VouchedFor users have had a positive (4 or 5 star) first experience with Ricardo (based on 20 first impressions)
95% of users who are not yet clients had a positive first experience with Ricardo
95% of VouchedFor users have had a positive (4 or 5 star) first experience with Ricardo (based on 20 first impressions)
Checks carried out by VouchedFor
FCA Regulated
Ricardo and/or the firm they work for (or are appointed representatives of) is regulated as appropriate by the Financial Conduct Authority
Last checked: 03 August 2025
Ricardo and/or the firm they work for (or are appointed representatives of) is regulated as appropriate by the Financial Conduct Authority
6
Recent Client Reviews
Ricardo has received 6 client reviews in the past 12 months; 100% of these have been verified
Verified reviews: 100%
Ricardo has received 6 client reviews in the past 12 months; 100% of these have been verified
Independent Financial Adviser
An independent adviser can advise across a sufficiently diverse range of products to help meet a client’s objectives. They are in no way limited to products provided by companies they work for.
Last checked: 27 March 2025
An independent adviser can advise across a sufficiently diverse range of products to help meet a client’s objectives. They are in no way limited to products provided by companies they work for.
11
Qualifications Uploaded
Ricardo has added their qualifications to their profile. You can see them by clicking on the ‘qualifications’ tab below
11 qualification certificates available to view
Ricardo has added their qualifications to their profile. You can see them by clicking on the ‘qualifications’ tab below
Transparent Fees
Ricardo has added their fees to their profile. You can see them by clicking on the ‘fees’ tab below
Ricardo has provided information on their typical fees
Ricardo has added their fees to their profile. You can see them by clicking on the ‘fees’ tab below
20
Positive First Impressions
95% of VouchedFor users have had a positive (4 or 5 star) first experience with Ricardo (based on 20 first impressions)
95% of users who are not yet clients had a positive first experience with Ricardo
95% of VouchedFor users have had a positive (4 or 5 star) first experience with Ricardo (based on 20 first impressions)
Hello, I’m Your Financial Adviser. With over 20 years in the financial sector and dual Portuguese–British nationality, I bring a global outlook and local insight to every client relationship. As an Independent Financial Adviser at Linkage Financial Solutions, my mission is to make complex planning clear, caring and tailored to your needs. Experience & Recognition - Chartered member of the Personal Finance Society, the Chartered Insurance Institute. - EFPA European Financial Adviser™ certification - FCA-accredited Pension Transfer Specialist (Activity 11) - Adviser of the Year awards from a leading Building Society and VouchedFor’s Top Adviser How I Can Help You? - Pension and retirement planning, including pension reviews, transfers and retirement income strategies - Designing onshore and offshore investment fund portfolios - Structuring VCTs, EISs Business Property Relive and bespoke trust arrangements - Providing whole-of-market mortgage advice, including Lifetime Mortgages and Equity Release solutions - Crafting supportive solutions for vulnerable clients and family Trusts My Personal Commitment East Yorkshire has been home for 28 years, where my wife and I raise our three children and hold fast to timeless values in a modern world. Supporting a child with disabilities has fuelled my passion for protective trust planning that preserves state benefits and safeguards your legacy. I believe planning ahead isn’t just paperwork, it’s a promise of security, confidence and a lasting gift for the ones you love. Your First Appointment - Completely free appointment, with no obligation - Honest advice centred on your goals Website www.linkagefs.co.uk Phone 01482 350 375 Email hello@linkagefs.co.uk
Offers available through VouchedFor
Contact Ricardo through VouchedFor and your initial 1 hour meeting or phone call will be free of charge. You can use this to discuss your situation and find out whether you feel they are a good match for you.
£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 Ricardo's clients
Based on responses provided by clients who have reviewed this adviser
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Clients' level of financial expertise
This adviser has some reviews that were left while they were employed at a different firm to the one they are at now.
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Adviser Disclaimer
Mortgages – Please note your home may be repossessed if you do not keep up repayments on your mortgage. Let to Buy Mortgages - Your property may be repossessed if you do not keep up repayments on your mortgage. Some Let to Buy mortgages are not regulated by the Financial Conduct Authority. Second Charge – YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT. Equity Release – This is a lifetime mortgage/home reversion plan. To understand the features and risks, ask for a personalised illustration. Investments - The value of investments can fall as well as rise and you may not get back the amount originally invested. IHT/Tax Planning/Estate Planning – Please note that the FCA do not regulate will writing, tax planning and trusts. Wills – Please note that the FCA do not regulate will writing. IHT/Tax Planning/Estate Planning – Please note that the FCA do not regulate will writing, tax planning and Trusts. VCTs/EIS Investments in VCTs and EISs should be regarded as high risk as they invest in small companies with shares that are highly illiquid and can be hard to sell. They are only suitable for UK resident taxpayers who can tolerate higher risk and have a time horizon of greater than five years. Linkage Financial Solutions Ltd is a trading name of 2plan wealth management Ltd which is authorised and regulated by the Financial Conduct Authority. It is entered on the FCA register (www.fca.org.uk ) under reference 461598. Registered office: 2plan wealth management Ltd, 3rd Floor, Bridgewater Place, Water Lane, Leeds, LS11 5BZ. Registered in England and Wales Number: 05998270 Hello@LinkageFS.co.uk