0122 326 9915
Based in Cambridge
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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: 03 April 2025
Richard and/or the firm they work for (or are appointed representatives of) is regulated as appropriate by the Financial Conduct Authority
7
Recent Client Reviews
Richard has received 7 client reviews in the past 12 months; 100% of these have been verified
Verified reviews: 100%
Richard has received 7 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: 26 February 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.
1
Qualifications Uploaded
Richard has added their qualifications to their profile. You can see them by clicking on the ‘qualifications’ tab below
1 qualification certificate 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
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: 03 April 2025
Richard and/or the firm they work for (or are appointed representatives of) is regulated as appropriate by the Financial Conduct Authority
7
Recent Client Reviews
Richard has received 7 client reviews in the past 12 months; 100% of these have been verified
Verified reviews: 100%
Richard has received 7 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: 26 February 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.
1
Qualifications Uploaded
Richard has added their qualifications to their profile. You can see them by clicking on the ‘qualifications’ tab below
1 qualification certificate 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
I help individuals, families, and small businesses plan for their financial future. My clients benefit from clarity on their finances and actions required to meet their financial objectives through building a visual financial plan that is reviewed and updated regularly to adapt to life's changes. Knowing so much about a client’s private affairs and hopes and fears is an amazing privilege and responsibility. I have been a qualified financial adviser since 2004 and received my charter from the Chartered Insurance Institute in 2019. I recently started Betterment Wealth in Cambridge to deliver financial planning to existing and new clients for decades. I believe the key to being a good adviser is having a reasonable level of technical knowledge but, more importantly, the ability to listen and connect with what matters to clients. My client base includes working professionals and clients approaching and entering retirement. I also advise small companies on their business protection needs, business owners looking to build their wealth, and business owners considering selling their businesses. To help give our client's financial plans the most excellent chance of success, we have a clear set of investment principles and an intelligent investment service based on decades of empirical academic research by noble laureates. Our service avoids speculation and trying to outguess the market, focusing on keeping costs low. My spare time revolves around my young family, having the odd round of golf, and cycling along the North Norfolk coast and countryside.
Offers available through VouchedFor
Contact Richard through VouchedFor and your initial 1 hour 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 Richard's clients
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Adviser Disclaimer
Betterment Wealth Limited is an appointed representative of Best Practice IFA Group Limited, which is authorised and regulated by the Financial Conduct Authority (223112). Betterment Wealth Limited is entered on the Financial Conduct Authority register under reference 1008031.