Stephen Wales (Ripley Wales)

Stephen Wales (Ripley Wales)

Ripley Wales Financial Planning

Minimum savings/pensions: Over £100,000

0330 038 8938
Based in Torquay
View location

Top Rated 2025
Verified since: March, 2019

4.9 out of 5

107 reviews


Checks carried out by VouchedFor

  • FCA status: Certified by Firm

    Last checked: 22 March 2025

    Stephen is fully authorised under the FCA's Senior Managers & Certification Regime. A regulated Senior Manager has confirmed Stephen's status

  • 14

    Recent Client Reviews

    Verified reviews: 100%

    Stephen has received 14 client reviews in the past 12 months; 100% of these have been verified

  • Restricted Financial Adviser

    Last checked: 24 October 2024

    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.

  • 11

    Qualifications Uploaded

    11 qualification certificates available to view

    Stephen has added their qualifications to their profile. You can see them by clicking on the ‘qualifications’ tab below

  • Transparent Fees

    Stephen has provided information on their typical fees

    Stephen has added their fees to their profile. You can see them by clicking on the ‘fees’ tab below

  • 10

    Positive First Impressions

    80% of users who are not yet clients had a positive first experience with Stephen

    80% of VouchedFor users have had a positive (4 or 5 star) first experience with Stephen (based on 10 first impressions)

Checks carried out by VouchedFor

  • FCA status: Certified by Firm

    Last checked: 22 March 2025

    Stephen is fully authorised under the FCA's Senior Managers & Certification Regime. A regulated Senior Manager has confirmed Stephen's status

  • 14

    Recent Client Reviews

    Verified reviews: 100%

    Stephen has received 14 client reviews in the past 12 months; 100% of these have been verified

  • Restricted Financial Adviser

    Last checked: 24 October 2024

    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.

  • 11

    Qualifications Uploaded

    11 qualification certificates available to view

    Stephen has added their qualifications to their profile. You can see them by clicking on the ‘qualifications’ tab below

  • Transparent Fees

    Stephen has provided information on their typical fees

    Stephen has added their fees to their profile. You can see them by clicking on the ‘fees’ tab below

  • 10

    Positive First Impressions

    80% of users who are not yet clients had a positive first experience with Stephen

    80% of VouchedFor users have had a positive (4 or 5 star) first experience with Stephen (based on 10 first impressions)

Worry free financial planning – an oxymoron?! Well, not quite… For most of us, financial planning is a balancing act: you want to spend as much as is reasonable to not run out of money. For others to maximise your legacy. And you want to walk this fine line whilst enjoying a breezy, easy life, free of financial concern. Make sure you’re not missing out on tax allowances, have your money invested according to your need and stress test your finances (test the impact of investment downside). If you work with us to do these things and react accordingly, you’ll be fine. “The value of investments can fall as well as rise. You might get back less than you invested. You should only consider these products if you are willing to take some risk with your capital. We will consider whether such products are suitable for you before recommending an investment.” Approver Quilter Financial Planning Solutions Limited 01/08/2024

Offers available through VouchedFor

Contact Stephen through VouchedFor and your initial 30 minute 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 Stephen's clients

Based on responses provided by clients who have reviewed this adviser

Clients' level of financial expertise

Household income

Savings

Clients' level of financial expertise

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