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 April 2025
Ricardo and/or the firm they work for (or are appointed representatives of) is regulated as appropriate by the Financial Conduct Authority
10
Recent Client Reviews
Ricardo has received 10 client reviews in the past 12 months; 100% of these have been verified
Verified reviews: 100%
Ricardo has received 10 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
19
Positive First Impressions
95% of VouchedFor users have had a positive (4 or 5 star) first experience with Ricardo (based on 19 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 19 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 April 2025
Ricardo and/or the firm they work for (or are appointed representatives of) is regulated as appropriate by the Financial Conduct Authority
10
Recent Client Reviews
Ricardo has received 10 client reviews in the past 12 months; 100% of these have been verified
Verified reviews: 100%
Ricardo has received 10 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
19
Positive First Impressions
95% of VouchedFor users have had a positive (4 or 5 star) first experience with Ricardo (based on 19 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 19 first impressions)
With almost 20 years experience in the financial sector, I have the unique quality of being a Portuguese and British national. I am qualified in Financial Planning in the UK and Independent. I am part of the largest networks of financial & mortgages advisers in the UK and you can visit my website and check my services. www.linkagefs.co.uk My qualifications and experience in financial Planning and Wealth management are extensive with several mentions and professional awards, such as "adviser of the year" by a well-known Building Society and of course by Vouchedfor top adviser. I am also a member of the Personal Finance Society, the Chartered Institute of Insurance and the Chartered Institute of Securities and Investments. I have been granted EFPA European Financial Adviser™ certification. I specialise in Investments such as Investment funds, on and Off-shore investment bonds, VCT's, EIS;s, Trusts and Pensions. I am also a whole of market Mortgage adviser. I am qualified for activity 11, the qualification that meets FCA Pension Transfer Specialist Standards. I have decided to establish a home in East Yorkshire my wife home where we live with my wife and our 3 children for the last 24 years plus. In my free time, I spend most of my time with my family. I love spending time with the children to ensure that we grow together as a family maintaining, some of the old fashion values in line with the 21st century. Due to bringing up a child with disabilities, I have a keen interest in Trusts to ensure that the life assurance, the savings and assets which I accumulate and intend to leave to my family, would not be taken away by the local authorities. I want to ensure that they don't remove any help or support when me and my wife are not here in this land. Planning ahead is an essential part of the financial success, for a better life for me and my wife in retirement and for my children. The initial appointment is at our own cost – this is completely free and no obligation, meaning we will never charge you without your prior agreement and should you not agree with our initial advice you are not obliged to continue. Please check my website for more information www.LinkageFS.co.uk 01482 350375 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
Clients' level of financial expertise
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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