0330 038 8940
Based in Sittingbourne
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FCA Regulated
Ricky 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
Ricky and/or the firm they work for (or are appointed representatives of) is regulated as appropriate by the Financial Conduct Authority
8
Recent Client Reviews
Ricky has received 8 client reviews in the past 12 months; 100% of these have been verified
Verified reviews: 100%
Ricky has received 8 client reviews in the past 12 months; 100% of these have been verified
Restricted Financial Adviser
When choosing products or providers, restricted advisers have a limited selection which they can choose from. They may consider products from some, but not all, providers.
Last checked: 14 January 2025
When choosing products or providers, restricted advisers have a limited selection which they can choose from. They may consider products from some, but not all, providers.
Qualifications Uploaded
Ricky has not yet added their qualifications to their profile
Qualifications not yet added
Ricky has not yet added their qualifications to their profile
Transparent Fees
Ricky has added their fees to their profile. You can see them by clicking on the ‘fees’ tab below
Ricky has provided information on their typical fees
Ricky has added their fees to their profile. You can see them by clicking on the ‘fees’ tab below
4
Positive First Impressions
100% of VouchedFor users have had a positive (4 or 5 star) first experience with Ricky (based on 4 first impressions)
100% of users who are not yet clients had a positive first experience with Ricky
100% of VouchedFor users have had a positive (4 or 5 star) first experience with Ricky (based on 4 first impressions)
Checks carried out by VouchedFor
FCA Regulated
Ricky 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
Ricky and/or the firm they work for (or are appointed representatives of) is regulated as appropriate by the Financial Conduct Authority
8
Recent Client Reviews
Ricky has received 8 client reviews in the past 12 months; 100% of these have been verified
Verified reviews: 100%
Ricky has received 8 client reviews in the past 12 months; 100% of these have been verified
Restricted Financial Adviser
When choosing products or providers, restricted advisers have a limited selection which they can choose from. They may consider products from some, but not all, providers.
Last checked: 14 January 2025
When choosing products or providers, restricted advisers have a limited selection which they can choose from. They may consider products from some, but not all, providers.
Qualifications Uploaded
Ricky has not yet added their qualifications to their profile
Qualifications not yet added
Ricky has not yet added their qualifications to their profile
Transparent Fees
Ricky has added their fees to their profile. You can see them by clicking on the ‘fees’ tab below
Ricky has provided information on their typical fees
Ricky has added their fees to their profile. You can see them by clicking on the ‘fees’ tab below
4
Positive First Impressions
100% of VouchedFor users have had a positive (4 or 5 star) first experience with Ricky (based on 4 first impressions)
100% of users who are not yet clients had a positive first experience with Ricky
100% of VouchedFor users have had a positive (4 or 5 star) first experience with Ricky (based on 4 first impressions)
Ricky Stephens has been a financial adviser for 18 years and holds a Diploma in Financial planning. ⠀ After very successful years as an employed financial adviser with Prudential, in 2021 Ricky was delighted to establish Wealth Transform Limited, as part of the Advice partnership from M&G Wealth. In his spare time, Ricky is a family man and he loves spending time with his wife and his 2 sons.
£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 Ricky's clients
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Adviser Disclaimer
Ricky's fees will vary from client to client, based on each client's individual needs. For an accurate estimate of any fees involved, please contact Ricky to explain your circumstances and what you are looking for advice on. To give you some general guidance, for Investment and Pension advice, advisers usually charge a percentage of any amount you invest or transfer through them. This amount would typically vary between 1% and 3% of the amount invested, depending on the amount. Should you wish to receive regular advice from the adviser, there may be an additional annual charge, usually between 0.5% and 1% p.a. Some advisers will instead offer to work for either an hourly fee or a fixed fee, or some combination of the above. Any charges would be agreed with you upfront and only applied with your explicit consent. The payments would typically be deducted from your investment or pension pot. Since 2012, it has been prohibited for advisers to receive commissions from any investment or pension companies when recommending their products or funds - they are paid only by you, the client.