0330 038 8940
Based in Sittingbourne
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FCA Regulated
Ricky and/or the firm they work for (or are appointed representatives of) is regulated as appropriate by the Financial Conduct Authority
Last checked: 03 December 2025
Ricky 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
Ricky has received 6 client reviews in the past 12 months; 100% of these have been verified
Verified reviews: 100%
Ricky has received 6 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: 15 July 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.
Qualifications Uploaded
Ricky has not yet added their qualifications to their profile
Qualifications not yet added
Ricky has not yet added their qualifications to their profile
Transparent Fees
Ricky has added their fees to their profile. You can see them by clicking on the ‘fees’ tab below
Ricky has provided information on their typical fees
Ricky has added their fees to their profile. You can see them by clicking on the ‘fees’ tab below
4
Positive First Impressions
100% of VouchedFor users have had a positive (4 or 5 star) first experience with Ricky (based on 4 first impressions)
100% of users who are not yet clients had a positive first experience with Ricky
100% of VouchedFor users have had a positive (4 or 5 star) first experience with Ricky (based on 4 first impressions)
Ricky Stephens has been a financial adviser for 18 years and holds a Diploma in Financial planning. ⠀ After very successful years as an employed financial adviser with M&G Wealth , in 2021 Ricky was delighted to establish Wealth Transform Limited, as part of the Advice partnership from M&G Wealth which offer restricted advice in Pension, Investments, Estate Planning and Protection . In his spare time, Ricky is a family man and he loves spending time with his wife and his 2 sons. The advice recommendations we make are from a carefully selected range of products and funds. Using a focused and controlled approach allows us to develop an in-depth knowledge of the products, so we can safely and confidently recommend a solution that’s right for you. This is known as restricted advice