0330 038 8942
Based in York
View locationTop Rated 2026
Top Rated advisers have met the qualification criteria for VouchedFor's Top Rated Guide, as determined by their client feedback
Verified since: December, 2024
4.9 out of 5
Checks carried out by VouchedFor
FCA status: Certified by Firm
Ruth is fully authorised under the FCA's Senior Managers & Certification Regime. A regulated Senior Manager has confirmed Ruth's status
Last checked: 04 April 2026
Ruth is fully authorised under the FCA's Senior Managers & Certification Regime. A regulated Senior Manager has confirmed Ruth's status
19
Recent Client Reviews
Ruth has received 19 client reviews in the past 12 months; 100% of these have been verified
Verified reviews: 100%
Ruth has received 19 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: 24 November 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.
4
Qualifications Uploaded
Ruth has added their qualifications to their profile. You can see them by clicking on the ‘qualifications’ tab below
4 qualification certificates available to view
Ruth has added their qualifications to their profile. You can see them by clicking on the ‘qualifications’ tab below
Transparent Fees
Ruth has added their fees to their profile. You can see them by clicking on the ‘fees’ tab below
Ruth has provided information on their typical fees
Ruth has added their fees to their profile. You can see them by clicking on the ‘fees’ tab below
3
Positive First Impressions
100% of VouchedFor users have had a positive (4 or 5 star) first experience with Ruth (based on 3 first impressions)
100% of users who are not yet clients had a positive first experience with Ruth
100% of VouchedFor users have had a positive (4 or 5 star) first experience with Ruth (based on 3 first impressions)
I have over 3 decades of experience within financial services, working at Ardent for 15 years and, previously to that, NatWest for over 20 years. During this time, I've identified that the most effective long term plans start with simple, easy to understand financial advice. Cutting out jargon and communicating clearly helps my clients feel at ease so we can build a solid plan in order to achieve their goals. My role at Ardent is to provide first class financial advice drawing on my wealth of knowledge. My particular area of expertise is retirement planning and equity release. I pride myself on being a good listener and being easy to talk to.