Catherine Richardson

With over 25 years of experience in financial services, 15 as a financial advisor, I now specialise in helping families and vulnerable clients navigate complex financial situations. Whether it’s assisting clients in later life, care fee planning, guiding women through the financial complexities of divorce, or managing inheritance tax issues, I provide personalised, compassionate support tailored to each client’s needs. As a SOLLA (Society of Later Life Advisors) accredited professional for the past 10 years, I have the expertise and network to offer you and your family peace of mind during emotional and challenging times. Specialist Areas: 1. **Elderly Clients and Long-Term Care Planning** - Expertise in working with deputies, family members, and solicitors to plan for long-term care. - Support in navigating the local authority care system and creating a sustainable, secure way to fund care. 2. **Divorce Financial Planning** - Helping women manage financial complexities during divorce. - Guidance on assets like pensions, investment portfolios, and property settlements. 3. **Inheritance Tax and Estate Planning** - Tailored strategies for minimizing inheritance tax. - Solutions that align with your future needs, including cash flow forecasting and asset management I attained Chartered Financial Planner status in December 18, an advanced qualification representing the pinnacle of my profession. My dedication to my development is ongoing and I am always keen to learn and improve what I know so I can pass this knowledge on to my clients and therefore to enhance my depth of practical knowledge in Financial Services, I am now embarking on attaining Fellowship. I am very proud to hold an additional accreditation as a 'Society of Later Life Adviser' -SOLLA. This allows me to give advice to clients often via their attorneys, who are sometimes vulnerable due to being in later stages of their lives or through illness and have complex needs such as Long Term Care Fees planning. I aim to do this with empathy and understanding of the family’s emotional and financial needs. I always focus on developing long relationships with clients and their families to help them, secure the financial futures and arrange their estate planning. Outside of my working life, I loves the outdoors and live on a small holding with my family and 2 dogs, Buster and Poppy. I love skiing holidays with my husband Scott and 2 grown up children Emily and Harvey. The value of an investment with St. James's Place will be directly linked to the performance of the funds you select and the value can therefore go down as well as up. You may get back less than you invested. An investment in equities does not provide the security of capital associated with a deposit account with a bank or building society. The levels and bases of taxation and reliefs from taxation can change at any time. The value of any tax relief depends on individual circumstances. This Partner/Partner Practice is an Appointed Representative of and represents only St. James's Place Wealth Management Plc (which is authorised and regulated by the Financial Conduct Authority) for the purpose of advising solely on the Group's wealth management products and services, more details of which are set out on the Group's website at www.sjp.co.uk/products. The ‘St. James’s Place Partnership’ and titles ‘Partner’ and ‘Partner Practice’ are marketing terms used to describe St. James’s Place representatives. SJP Approved xx/xx/xxxx