0122 326 9915
Based in Cambridge
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FCA Regulated
Richard and/or the firm they work for (or are appointed representatives of) is regulated as appropriate by the Financial Conduct Authority
Last checked: 03 March 2025
7
Recent Client Reviews
Richard has received 7 client reviews in the past 12 months; 100% of these have been verified
Verified reviews: 100%
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: 26 February 2025
1
Qualifications Uploaded
Richard has added their qualifications to their profile. You can see them by clicking on the ‘qualifications’ tab below
1 qualification certificate available to view
Transparent Fees
Richard has added their fees to their profile. You can see them by clicking on the ‘fees’ tab below
Richard has provided information on their typical fees
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 Authority
Last checked: 03 March 2025
7
Recent Client Reviews
Richard has received 7 client reviews in the past 12 months; 100% of these have been verified
Verified reviews: 100%
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: 26 February 2025
1
Qualifications Uploaded
Richard has added their qualifications to their profile. You can see them by clicking on the ‘qualifications’ tab below
1 qualification certificate available to view
Transparent Fees
Richard has added their fees to their profile. You can see them by clicking on the ‘fees’ tab below
Richard has provided information on their typical fees
I help individuals, families, and small businesses plan for their financial future. My clients benefit from clarity on their finances and actions required to meet their financial objectives through building a visual financial plan that is reviewed and updated regularly to adapt to life's changes. Knowing so much about a client’s private affairs and hopes and fears is an amazing privilege and responsibility. I have been a qualified financial adviser since 2004 and received my charter from the Chartered Insurance Institute in 2019. I recently started Betterment Wealth in Cambridge to deliver financial planning to existing and new clients for decades. I believe the key to being a good adviser is having a reasonable level of technical knowledge but, more importantly, the ability to listen and connect with what matters to clients. My client base includes working professionals and clients approaching and entering retirement. I also advise small companies on their business protection needs, business owners looking to build their wealth, and business owners considering selling their businesses. To help give our client's financial plans the most excellent chance of success, we have a clear set of investment principles and an intelligent investment service based on decades of empirical academic research by noble laureates. Our service avoids speculation and trying to outguess the market, focusing on keeping costs low. My spare time revolves around my young family, having the odd round of golf, and cycling along the North Norfolk coast and countryside.
Offers available through VouchedFor
Contact Richard 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 Richard's clients
Based on responses provided by clients who have reviewed this adviser
Clients' level of financial expertise
Household income
Savings
Age group
Clients' level of financial expertise
Review
by a verified client in Gloucestershire
17 days ago
Overall
Advice
Service
Value
What were the circumstances that caused you to initially look for an adviser?
Early retirement and change in financial circumstances.
How has Richard Fearn helped you?
Listened to our story, assessed our needs and wants, advised on a plan to achieve our goals.
Have you seen the outcome you were hoping for?
Too early to assess but we're hopeful!
What could they have done better?
Nothing at present, all went according to the plan.
Richard:
Hi Andy, Firstly, thank you so much for taking the time to leave feedback. We aim to gather as much feedback as possible to continue improving our service. It's been a pleasure working with you and Jane. I'm grateful that you have been incredibly cooperative and easy to communicate with. I've enjoyed getting to know you and hearing about your plans. I look forward to continuing working with you and seeing you enjoy your retirement for years to come. Many thanks, Richard Chartered Financial Planner, CambridgeReview
by a verified client in London
23 days ago
Overall
Advice
Service
Value
What were the circumstances that caused you to initially look for an adviser?
As my wealth has grown I needed help to invest wisely. I initially worked with Richard on my mortgage where he was great and thinks have moved on from there. He’s clear and articulate and easy to work with
How has Richard Fearn helped you?
I can’t rate Richard and the Betterment team highly enough they are great. They give me solid advice clearly and keep me informed as things move and change. As a female I never feel like I’m treated differently and Richard encourages me to think differently in ways to manage and grow my wealth
Have you seen the outcome you were hoping for?
Absolutely very happy my investment have grown and I feel well informed on my decisions
What could they have done better?
Nonthing Richard and the team are great
Richard:
Dear Annalisa, Thank you so much for your kind words and for taking the time to share your experience. It has been a pleasure assisting you with your mortgage and helping you invest wisely as your wealth has grown. I'm delighted to hear that you found my advice clear and articulate and that you found it easy to work with me. Our Cambridge-based financial advisory firm is committed to providing personalised and professional advice tailored to each client's unique needs. Your feedback highlights the importance of having a trusted adviser. Whether arranging your mortgage or investing your wealth, we are here to help every step of the way. Thank you again, Annalisa, for your trust and for choosing our services. Your satisfaction is our top priority. Best regards, Richard Fearn Chartered Financial Planner, CambridgeReview
by a verified client in Surrey
a month ago
Overall
Advice
Service
Value
What were the circumstances that caused you to initially look for an adviser?
enquiry about mortgages some 20 years ago
How has Richard Fearn helped you?
Helped secure a number of property mortgages and helped give clarity to our pension portfolio. As an off shore family, Richard has guided us as to eth best ways to utilise our money earned internationally. we also arranged a will through his company
Have you seen the outcome you were hoping for?
yes, expected growth and patters
What could they have done better?
nothing
Richard:
Dear Tim, Thank you so much for your kind words and for taking the time to share your experience. It has been a pleasure assisting you with securing property mortgages, advising you on your pension portfolio and retirement plans. I'm delighted to hear that you found my advice helpful. At our Cambridge-based financial advisory firm, we are committed to providing personalised and professional advice tailored to each client's unique needs. Your feedback highlights the importance of having a trusted adviser who can offer comprehensive support across various aspects of financial planning. Taking financial advice from our firm ensures that you receive expert guidance and peace of mind, knowing that your financial future is in good hands. Thank you once again, Tim, for your trust and for choosing our services. We'll always take on any feedback you have to continue improving our service. Best regards, Richard Fearn Chartered Financial Planner, CambridgeReview
by a verified client in Norfolk
4 months ago
Overall
Advice
Service
Value
What were the circumstances that caused you to initially look for an adviser?
With retirement looming and having never really taken any pension or investment advice we decided we needed to explore our options and work out realistically what age we could afford to retire at. I always joked it would be 50 but with 60 fast approaching it was clear we needed to understand what was viable.
How has Richard Fearn helped you?
Richard has made us take stock of our current financial situation and think about what we would like to do if we retired, including what sort of lifestyle we would like to lead. Seeing everything written down and talking it through has made it a lot clearer to understand. Richard has helped us streamline our finances making them work harder to give us what we want to achieve. With the annual reviews in place, it also gives you peace of mind that we stay on track. Richard is always on hand if we have any questions.
Have you seen the outcome you were hoping for?
We now realise we would be able to retire and still live a reasonable lifestyle whilst we are both young enough to enjoy it.
What could they have done better?
I am not sure they could have done anything better, however I wish I had done it sooner! That goal of 50 may have been more realistic if we had taken advice when we were younger. We have learnt it's never too early.
Richard:
Dear Tess and Paul, Thank you so much for your review and for taking the time to share your experience. It has been a pleasure working with you to take stock of your financial situation and plan for your retirement. I'm delighted to hear that our discussions and written plans have made things clearer for you. At our Cambridge-based financial advisory firm, we strive to provide personalised and professional advice tailored to each client's unique needs. Your feedback highlights the importance of having a trusted adviser who can help streamline finances and make them work harder to achieve your goals. The annual reviews we conduct are designed to give you peace of mind and ensure that you stay on track with your financial plans. Having a clear understanding of your financial situation and future aspirations is crucial, and I'm glad to have been able to assist you in this journey. Knowing that I am always on hand to answer any questions you may have is a key part of the service we offer. Thank you once again, for your trust and for choosing our services. Your satisfaction is our top priority, and we look forward to continuing to assist you with any future financial planning needs. Best regards, Richard Fearn Chartered Financial Planner - CambridgeReview
by a verified client in Bedfordshire
5 months ago
Overall
Advice
Service
Value
What were the circumstances that caused you to initially look for an adviser?
Having used Richard in the past for mortgages, I had a work promotion & needed some tax planning advice. Richard was very helpful and approachable. Keeping things clear and concise.
How has Richard Fearn helped you?
Richard has helped me set up ISAs and start planning for retirement.
Have you seen the outcome you were hoping for?
Bit soon to decide but finances have been tidied up.
Richard:
Dear Iona, Thank you so much for your kind words and for taking the time to share your experience. It has been a pleasure assisting you with your financial needs, from mortgage advice to tax planning, and now helping you set up ISAs and start planning for your retirement. At our Cambridge-based financial advisory firm, we are committed to providing personalised and professional advice tailored to each client's unique circumstances. Your feedback highlights the importance of having a trusted adviser who can offer clear and concise guidance, especially during significant life changes like a work promotion and preparing for retirement. Taking financial advice from our firm ensures that you receive comprehensive support and expert advice, helping you make informed decisions and achieve your financial goals. Whether it's managing your taxes, setting up investment accounts, or planning for retirement, we are here to help you every step of the way. Thank you once again, Iona, for your trust and for choosing our services. Your satisfaction is our top priority, and we look forward to continuing to assist you with any future financial planning needs. Best regards, Richard Fearn Chartered Financial Planner, CambridgeVouchedFor Disclaimer
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Adviser Disclaimer
Betterment Wealth Limited is an appointed representative of Best Practice IFA Group Limited, which is authorised and regulated by the Financial Conduct Authority (223112). Betterment Wealth Limited is entered on the Financial Conduct Authority register under reference 1008031.