0151 353 7186
Based in Wirral
View locationTop Rated 2025
Top Rated advisers have met the qualification criteria for VouchedFor's Top Rated Guide, as determined by their client feedback
Verified since: March, 2022
5 out of 5
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: 24 April 2025
Richard and/or the firm they work for (or are appointed representatives of) is regulated as appropriate by the Financial Conduct Authority
19
Recent Client Reviews
Richard has received 19 client reviews in the past 12 months; 100% of these have been verified
Verified reviews: 100%
Richard has received 19 client reviews in the past 12 months; 100% of these have been verified
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: 01 April 2025
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.
4
Qualifications Uploaded
Richard has added their qualifications to their profile. You can see them by clicking on the ‘qualifications’ tab below
4 qualification certificates available to view
Richard has added their qualifications to their profile. You can see them by clicking on the ‘qualifications’ tab below
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
Richard has added their fees to their profile. You can see them by clicking on the ‘fees’ tab below
6
Positive First Impressions
100% of VouchedFor users have had a positive (4 or 5 star) first experience with Richard (based on 6 first impressions)
100% of users who are not yet clients had a positive first experience with Richard
100% of VouchedFor users have had a positive (4 or 5 star) first experience with Richard (based on 6 first impressions)
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: 24 April 2025
Richard and/or the firm they work for (or are appointed representatives of) is regulated as appropriate by the Financial Conduct Authority
19
Recent Client Reviews
Richard has received 19 client reviews in the past 12 months; 100% of these have been verified
Verified reviews: 100%
Richard has received 19 client reviews in the past 12 months; 100% of these have been verified
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: 01 April 2025
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.
4
Qualifications Uploaded
Richard has added their qualifications to their profile. You can see them by clicking on the ‘qualifications’ tab below
4 qualification certificates available to view
Richard has added their qualifications to their profile. You can see them by clicking on the ‘qualifications’ tab below
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
Richard has added their fees to their profile. You can see them by clicking on the ‘fees’ tab below
6
Positive First Impressions
100% of VouchedFor users have had a positive (4 or 5 star) first experience with Richard (based on 6 first impressions)
100% of users who are not yet clients had a positive first experience with Richard
100% of VouchedFor users have had a positive (4 or 5 star) first experience with Richard (based on 6 first impressions)
My most important role in life, and the most challenging is being a father to four children, Chloe, Jack, George and Amelia. My wife, Emma, and I enjoy spending time together as a family, whether it be day trips to North Wales or family barbeques. My second passion is for my financial advisory business, Smart Independent Financial Advice Ltd, and the customers that I help on a daily basis. I pride myself on going above and beyond to make sure the advice I deliver is the most suited to my customers objectives. I have worked in financial services for the over 18 years, mainly as a financial planning manager for Santander and HSBC. During my career, I have offered mortgage advice, investment advice, pension advice and protection advice. Since January 2019, I have been an independent financial adviser, as I believe I can add more value to a customer's life through independent advice as opposed to advice that is restricted to a particular bank or financial institution. I am therefore proud to offer unrestricted whole of market advice from all of the financial products available. We can also help with writing up Lasting Power of Attorney documents, Wills and Trusts.
£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
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Adviser Disclaimer
Smart Independent Financial Advice Ltd is an Appointed Representative of New Leaf Distribution Ltd, who are authorised and regulated by the Financial Conduct Authority. Number 460421. Head Office: 165-167 High Street, Rayleigh, Essex, SS67QA. Co registration Number 5520001. Smart Independent Financial Advice Ltd has FCA Number 967978. Our services relate to certain investments whose prices are dependent on fluctuations in the financial markets beyond our control. Investments and the income from them may go down as well as up and you may get back less than the amount invested. Past performance cannot be used as a reliable prediction of future performance. Your home is at risk if you fail to keep up payments on your mortgage or any other loans secured against it. Equity release may involve a lifetime mortgage which is secured against your property or a home reversion plan which requires the sale of property for a discounted price. To understand the features and risks, ask for a personalised illustration. You only continue to own your own home with a lifetime mortgage. Equity release may impact the size of your estate and it could affect your entitlement to current and future means-tested benefits. Inheritance tax planning, Lasting Powers of Attorney and trusts are not regulated by the Financial Conduct Authority.