0151 353 7186
Based in Wirral
View locationTop Rated 2026
Top Rated advisers have met the qualification criteria for VouchedFor's Top Rated Guide, as determined by their client feedbackVerified since: March, 2022
5 out of 5
Checks carried out by VouchedFor
FCA Regulated
Richard and/or the firm they work for (or are appointed representatives of) is regulated as appropriate by the Financial Conduct AuthorityLast checked: 24 September 2026
Richard and/or the firm they work for (or are appointed representatives of) is regulated as appropriate by the Financial Conduct Authority
14
Recent Client Reviews
Richard has received 14 client reviews in the past 12 months; 100% of these have been verifiedVerified reviews: 100%
Richard has received 14 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: 05 October 2026
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.
5
Qualifications Uploaded
Richard has added their qualifications to their profile. You can see them by clicking on the ‘qualifications’ tab below5 qualification certificates available to view
Richard has added their qualifications to their profile. You can see them by clicking on the ‘qualifications’ tab below
Transparent Fees
Richard has added their fees to their profile. You can see them by clicking on the ‘fees’ tab belowRichard has provided information on their typical fees
Richard has added their fees to their profile. You can see them by clicking on the ‘fees’ tab below
13
Positive First Impressions
100% of VouchedFor users have had a positive (4 or 5 star) first experience with Richard (based on 13 first impressions)100% of users who are not yet clients had a positive first experience with Richard
100% of VouchedFor users have had a positive (4 or 5 star) first experience with Richard (based on 13 first impressions)
About
The most important—and probably the most rewarding—role in my life is being a father to my four amazing children: Chloe, Jack, George, and Amelia. My wife, Emma, and I deeply value our family time, whether we’re heading off for day trips to North Wales or enjoying relaxed family barbeques in the garden. I also have a passion for swimming, and as a transplant recipient, I proudly compete in the UK Transplant Games each year. I'm especially excited to be representing the UK in the World Transplant Games in Dresden, Germany, in 2025. My second passion is my work as an Independent Financial Adviser and director of Smart Independent Financial Advice Ltd. I take great pride in helping clients achieve their financial goals and always aim to go above and beyond to ensure the advice I provide is tailored, thoughtful, and aligned with each individual's objectives. I’m proud to hold Chartered Financial Planner status, awarded by the Chartered Insurance Institute. This distinction is only granted to professionals who demonstrate a high level of technical knowledge and ethical practice, and who have completed additional advanced qualifications. With over 20 years of experience in financial services—including roles as a Financial Planning Manager at both Santander and HSBC—I’ve advised clients on a broad range of financial matters, including mortgages, pensions, investments, and protection. Since 2019, I’ve worked as an independent financial adviser, free from the restrictions of tied advice. This independence means I can offer truly whole-of-market solutions, ensuring my clients have access to the best products available across the financial landscape. In addition to financial planning, we also assist clients with Wills, Trusts, and Lasting Power of Attorney documents, helping ensure their legacy and wishes are protected.