Ian Richards

This review is a follow-up review from a client who left a review previously.

How has Ian Richards helped you since your last review?

Ian consolidated 30 years of different private pensions to enable easier / better long term planning for retirement. Very happy with the advice and service

This review is a follow-up review from a client who left a review previously.

How has Ian Richards helped you since your last review?

Ian provides ongoing advice, counselling and implementaion on our financial plans, savings, pensions and investments.

This review is a follow-up review from a client who left a review previously.

How has Ian Richards helped you since your last review?

Our circumstances have changed over the last year, and the fact that we can be confident in our financial future when making life decisions is so helpful to us.

This review is a follow-up review from a client who left a review previously.

How has Ian Richards helped you since your last review?

He has continued to give positive advice in a friendly manner, always considering the implications and benefits of that advice for my partner and myself.

What were the circumstances that caused you to initially look for an adviser?

Retirement

How has Ian Richards helped you?

Meetings and advice, especially pensions

Have you seen the outcome you were hoping for?

Early days, but yes

What could they have done better?

N/a

What were the circumstances that caused you to initially look for an adviser?

Moving close to retirement therefore I was looking for a good financial planning and pensions adviser

How has Ian Richards helped you?

Financial planning pre retirement

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

What were the circumstances that caused you to initially look for an adviser?

I wanted some help planning the next 20 years and de-risking my existing position.

How has Ian Richards helped you?

Understood both current context and my families requirements for the next 15-20 years. Made recommendations on this basis and is providing ongoing coaching and advice.

Have you seen the outcome you were hoping for?

So far yes, it’s only been 7 months of a 15 year plan - but so far all has gone as expected.

What were the circumstances that caused you to initially look for an adviser?

With retirement about 10 years away, we wanted to ensure we had the right plans in place to have the retirement we want.

How has Ian Richards helped you?

Ian takes the time to really understand us and our needs to offer the very best advice.

Have you seen the outcome you were hoping for?

We are still in the planning stage so too soon to say.

What could they have done better?

Nothing - this is a complex topic and Ian is helping us work our way through it

What were the circumstances that caused you to initially look for an adviser?

I wanted to take out a pension

How has Ian Richards helped you?

He advised me which pension was best for my needs.

Have you seen the outcome you were hoping for?

Yes

What were the circumstances that caused you to initially look for an adviser?

We wanted to take stock of our finances and future plans.

How has Ian Richards helped you?

Ian did a brilliant job of consolidating a view of our finances, providing unbiased advice and options and understanding what we wanted to get out of the review.

Have you seen the outcome you were hoping for?

We've been able to build a plan for the future with confidence, thank you!

What could they have done better?

Nothing

What were the circumstances that caused you to initially look for an adviser?

Some help consolidating pension funds and projecting for the future and retirement.

How has Ian Richards helped you?

Ian helped with all of the above for myself and my wife

Have you seen the outcome you were hoping for?

I have yes

What could they have done better?

Nothing at this stage

What were the circumstances that caused you to initially look for an adviser?

I urgently needed help funding long term care for family members.

How has Ian Richards helped you?

He cheerfully took on a very complex financial situation and guided me through each step of the process.

Have you seen the outcome you were hoping for?

Yes, the whole process is now complete and the family financial concerns are resolved. We now all have peace of mind knowing that family members are financially stable and secure in their care setting.

What were the circumstances that caused you to initially look for an adviser?

We had no idea when we could retire, how much we would retire on, and simply did not have any idea how to plan our future.

How has Ian Richards helped you?

“I am frightened of finance! Not the business stuff, I love that, I am on it every day, understand it, train in it and could bore most people with the importance of it, but head to the personal side and I am dreadful. I have worried for years about pensions as a self-employed person, worried about the future, but have found it easier to bury my head in the sand and keep on working without a plan. Until we found Ian Richards FPFS, Chartered Financial Planner. His no judgement, straightforward approach to helping us has been a game changer – in fact a life changer. His tool has helped us to see ahead financially, pulling in various pensions abandoned over the years, and to look at different scenarios, different life events and see how they change the future. We now know exactly what we need to do. My only regret? We should have got this advice 10 years earlier – it is really like seeing the future. I cannot recommend Ian highly enough, whether it is tax efficiencies or financial planning, or even just a chat to see if he is right for you, I would suggest getting in touch. He understands the value of trust and relationships, and confidence and has a practical, no-nonsense approach and this fits perfectly with hardworking business owners.”

Have you seen the outcome you were hoping for?

Yes

What were the circumstances that caused you to initially look for an adviser?

I did not like the traditional commission based model with financial services.

How has Ian Richards helped you?

Ian isn’t in the business of selling financial products. He has the experience and capabilities to look at your whole financial picture and work with you to identify what you need in place to meet your aims. I believe this makes his approach relatively unique and sets him apart from most financial advisors. I run an SME and I am delighted to work with Ian as he is provides a holisitic view and delivers simplicity.

Have you seen the outcome you were hoping for?

Yes, I feel confident Ian is providing advice based on our priorities and circumstances rather than selling us a specific product.

What were the circumstances that caused you to initially look for an adviser?

I was looking for a trusted advisor I could recommend to my clients who would help that at all stages of their life and business.

How has Ian Richards helped you?

I am an accountant and Work to Live Financial Planning has helped my clients with practical, efficient advice to help them plan for the future - Ian takes into consideration their plans for the future to ensure that are setting themselves up correctly - highly recommended.

Have you seen the outcome you were hoping for?

I have very happy clients who continue to work with Ian.

This review is a follow-up review from a client who left a review previously.

How has Ian Richards helped you since your last review?

Ian comes back straightaway with help on any query we have. He also is really happy to chat through options to make sure you have all the right information to make an informed decision for yourself.

What were the circumstances that caused you to initially look for an adviser?

My wife & I were looking to organise a financial plan; pay off debts, consolidate pensions, check our mortgage deal was good and understand where to invest money once our debts were paid off.

How has Ian Richards helped you?

Ian took the time to really understand what we wanted to achieve financially and actually enabled a conversation between my wife & I at a more granular level than we had previously had. This drew out a change in direction on our current thinking and 2 years on we are in a great place financially and have a very transparent view of where we are now and how that should look across the next 5, 10 & 15 years.

Have you seen the outcome you were hoping for?

Yes, I absolutely recommend Ian as a Financial Advisor. We’ve had a great experience with Ian getting a really bespoke service drilling into what we want to achieve financially and in life in general. Ian is really easy to work with being super friendly and very knowledgeable and has made an instant impact to us and already provided huge value in aligning our finances to our plans in life in both the short and long term. I know we’ll be sticking with Ian for many years to come and thanks for all the help thus far!

What could they have done better?

Honestly every interaction has been great and really suited us and our needs.

What were the circumstances that caused you to initially look for an adviser?

We really needed to get all our personal and business finances organised and reviewed to give us peace of mind for future planning.

How has Ian Richards helped you?

I can’t recommend Ian’s financial services enough, he is very thorough, has listened to all our needs and been very clear and considered in his advice and planning. Highly recommended! We wanted some clarity on several pension policies to make sure we would be comfortable in retirement as well as saving for our children’s futures...but also allowing us to budget in the present with the funds we have. With two businesses to run we have a lot to juggle, it is an ongoing process and working with Ian has been very easy with the flexibility of chatting on zoom and via email. Really happy with the service and definitely recommend.

Have you seen the outcome you were hoping for?

Yes, absolutely...Some parts of the financial planning are an ongoing process as finances are constantly changing and need updating and other parts such as the pensions have been consolidated.

What could they have done better?

Service has been brilliant, can’t fault it.

What were the circumstances that caused you to initially look for an adviser?

Pension transfer which lead to a full review

How has Ian Richards helped you?

I absolutely recommend Ian as a Financial Advisor. We’ve had a great experience with Ian getting a really bespoke service drilling into what we want to achieve financially and in life in general. Ian is really easy to work with being super friendly and very knowledgeable and has made an instant impact to us and already provided huge value in aligning our finances to our plans in life in both the short and long term. I know we’ll be sticking with Ian for many years to come and thanks for all the help thus far!

Have you seen the outcome you were hoping for?

Absolutely

What could they have done better?

nothing

What were the circumstances that caused you to initially look for an adviser?

Ian was recommended to me - based on exceptional reviews from a professional colleague.

How has Ian Richards helped you?

Ian provided clear and certain advice - in an uncomplicated and understandable way

Have you seen the outcome you were hoping for?

Yes. Ian exceeded my expectations

What could they have done better?

The advice and delivery was perfect

What were the circumstances that caused you to initially look for an adviser?

I have a couple of pensions that needed to be reviewed and I also wanted to get more control over what I was doing with my money

How has Ian Richards helped you?

Ian ensure that my pensions were held in the most appropriate plan with a suitable asset allocation for my needs. In addition he took a holistic approach to make sure all areas of my financial planning was covered including ensuring I had the appropriate insurance in place. I now have more clarity over my money and what I am looking to achieve.

Have you seen the outcome you were hoping for?

Yes I am confident that my pensions are now invested in the right manner and feel more in control of my finances since working with Ian

What could they have done better?

Ian did everything that I needed from him and more. I am happy to recommend him for people who want to get more clarity over their finances and what they need to do.

What were the circumstances that caused you to initially look for an adviser?

I am approaching retirement age and I have 7 workplace pensions accrued over many years. I needed advice to set up a plan to maximise their benefits and a strategy to plan my long term financial security in retirement

How has Ian Richards helped you?

He came up with a clear understandable plan for what I hope will be a comfortable retirement

Have you seen the outcome you were hoping for?

It's still in the process of being implemented, but on paper it looks fine.

What could they have done better?

Nothing could have been done better

What were the circumstances that caused you to initially look for an adviser?

Inheritence

How has Ian Richards helped you?

Ian provided me with planning services throughout a big change in my financial priorities. His approach ensured that I always felt comfortable with how my money was being invested, and I felt that his financial advice was always in my best interests and gave me the certainty that this was the best approach to help me achieve my goals.

Have you seen the outcome you were hoping for?

Yes