Richard Smith

I am an independent adviser offering tailored financial planning for retirement, including pensions, tax and wealth preservation. This starts by helping you understand what you want to achieve; calculating what is needed to achieve your goal; then creating a tailored plan to achieve the goal in the most efficient way. The aim is always to improve financial efficiency and security but also to give peace of mind that you will have the money they need, when you need it. I Provide clients with a clear understanding of how the complex financial landscape for retirement relates to their particular circumstances and plans. This is delivered holistically to include other relevant major life events, pre and post retirement, that also require diligent advice and planning. Areas of expertise: Pensions Defined Benefit Pension Specialist Investments Estate Planning Equity Release Mortgages Family and Business Protection My business has been built up over many years largely through personal recommendations. I am happy to have an initial meeting at my cost in your home or my office, to understand your immediate needs, financial circumstances and future goals. Please feel free to contact me if you would like to know more about the financial advice and the type of services that I can offer you and I will respond back to you at my earliest convenience. Your personal circumstances are ever changing, and everyone’s needs are different. That’s why we use our four-stage planning process to helps us understand your needs and identify the best way to achieve your goals. I will work with you to explore your options, then plan for how your tactical and strategic financial goals can be best met. I know every client is unique and my advice is completely tailored to your individual circumstances. Whether you are looking to invest for the future, planning your retirement, buying your first home or looking to protect yourself and the ones you love I can help you put the necessary plans in place. Creating and maintaining the right investment strategy plays a vital role in securing your financial future. Whether you are looking to invest for income or growth, improve the return on your savings, growing the value of your money for a specific purpose, or putting money aside for a rainy day. I am able to offer you a range of solutions, combining our selection of funds, with our product wrappers, support and service. Most people just don’t save enough to achieve the level of retirement income that they need. Pensions can be seen as long-term investments, so it is important to decide how best to maximise your income in retirement, or where to invest a lump sum. I can help you decide how much extra money you need to save, and where to invest it and the various options you have available. Creating a comprehensive estate plan to deal with your assets and provide for your loved ones after your death is a critical task that you should ensure you undertake. Preventing your assets from ending up with unintended beneficiaries, protecting your family and children, stopping heirs overpaying taxes and eliminating potential family disagreements on death are clearly very important. Therefore, careful planning well in advance should be considered to ensure that potential oversights are not made, and I am able to assist you with this. If you want your assets and your loved ones protected when you no longer can do it, you will need an estate plan. Protecting your income should be taken very seriously, given the limited government support available. I can help you arrange the right solution to meet your overall protection and financial planning strategy, to help protect you, your family and your lifestyle.