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Edward Richardson

Chartered Financial Planner DipPFS, FPFS, Certs CII (MP & ER), CeMAP® in Dartford

A little bit about Edward

With a deep commitment to empowering clients, I am a seasoned Chartered Financial Planner, Pension Specialist, and Wealth Manager.

Achieving the prestigious status of Fellow, I hold the highest qualifications in the financial planning industry. My passion lies in delivering personalised, high-quality financial advice, always going the extra mile to ensure my clients feel confident and secure about their financial future.

Find out more about me below.

Start the conversation

Whether you want to think about a gifting plan to help your family, or want to ask me about something else, I’m happy to help.
Contact me today

An adviser’s insight

Gifts that give back

Graphic of people exchanging gifts

December is often seen as the gifting season. But alongside the usual socks and chocolate gold coins, it might be worth planning a slightly bigger, longer-term present for your loved ones this year.

Inheritance tax (IHT) is notoriously complicated and can hit people with a big bill if it isn’t managed properly. It isn’t reserved for the very wealthy either. Dealing with IHT is a reality that many more families face after a loved one has passed - in what is usually an extremely vulnerable moment.

This is where using your gifting allowances can make a real impact on those around you. It’s a great way to share your wealth with the people you love while limiting their exposure to IHT. It does take a little bit of extra planning though.

Sitting down with an adviser like me can help you figure out where you want your money to go, and when. For instance, it might be more helpful to gift a family member a contribution towards their first home now, rather than leaving them a legacy.

Whatever you decide is best, we’ll find the most tax efficient way to do it.

Get in touch to find out more.

*Estate Planning and Inheritance Tax Planning are not regulated by the Financial Conduct Authority.

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Services

Business Services & Protection

Commercial mortgages/remortgages, workplace pension and employee benefits. Commercial mortgages are by referral only.

Holistic planning

Establishing and reviewing trusts, complete personal risk management planning, short- and long-term savings and investments.

Income Protection

Permanent health insurance to provide a regular income should you be unable to work due to illness or injury.

Investments

Wealth management advice to make your money work as hard as it can for you, including making the most of any tax breaks available.

Pensions

Expert advice to help provide comfort in your retirement.

Protection

Whole of life and term assurance protection, private medical arrangements, critical illness insurance.

Qualifications

Diploma in Regulated Financial Planning

  • The Level 4 Diploma in Regulated Financial Planning from the Chartered Insurance Institute develops core technical and initial financial planning understanding.

Diploma in Financial Planning

  • The Level 4 Diploma in Financial Planning from the Chartered Insurance Institute develops core technical understanding across a broad range of key financial planning areas.

Advanced Diploma in Financial Planning

  • The Level 6 Advanced Diploma in Financial Planning builds on existing skills and knowledge, enabling advisers to develop specialist planning capabilities and offer a sophisticated and comprehensive approach to financial management.

Chartered Financial Planner

  • 'Chartered' is the most respected indicator of professionalism. Attaining Chartered status is challenging and takes commitment. Not only does the adviser complete the Advanced Diploma course, 5 years of industry experience is also required before the status can be awarded.

Certificate in Mortgage Advice

  • The Certificate in Mortgage Advice (Level 3) meets the FCA standards for mortgage advisers. It develops an understanding of the sector and the mortgage process, and enables advisers to meet individual client needs.

Certificate in Mortgage Advice and Equity Release

  • The Level 3 Certificate in Mortgage Advice and Equity Release meets the FCA standards for mortgage advisers and those advising on equity release schemes.

Location

Edward Richardson's location

  • Dartford
    Kent
    DA2
    United Kingdom
Edward Richardson's location

Edward is located in Dartford and offers expert financial advice to suit your needs.

Edward Richardson's location

More about me

Throughout my career, I’ve had the privilege of working with some of the country’s leading financial institutions, including RBS and HSBC, where I rapidly advanced to become one of their top advisers.This experience laid the foundation for my success and prepared me for a leadership role as a Director in a financial firm.

What drives me is not the titles, but the genuine opportunity to make a difference in my clients' lives by tailoring financial strategies to meet their individual needs. I pride myself on my creative, solutions-based approach. No two clients are the same, and my ability to think outside the box allows me to craft plans that fit perfectly with each client’s personal and financial goals. This bespoke approach has earned me glowing reviews on platforms like VouchedFor.co.uk, where clients consistently highlight the exceptional service and results they’ve experienced working with me.

Outside of my professional achievements, my inspiration comes from my family, who remind me every day of the importance of what I do. My commitment to helping others thrive is as much a personal mission as it is a professional one.

If you're ready to embark on a journey towards financial empowerment, I am here to guide you every step of the way as your trusted partner. Let’s work together to turn your financial goals into reality.

The Financial Conduct Authority does not regulate some employee benefits, tax planning, inheritance tax planning, estate planning, succession planning, trusts or some buy-to-let mortgages.

The guidance and/or information contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.

Registered Office: Quilter Financial Advisers, Senator House, 85 Queen Victoria Street, London, EC4V 4AB. Tel: 0207 562 5856. Registered in England and Wales. Registered number: 05693185. Lighthouse Financial Advice Limited, Senator House, 85 Queen Victoria Street, London, EC4V 4AB. Tel: 0207 562 5856. Registered in England and Wales. Registered number: 04795080.

Quilter Financial Planning Network only: This financial promotion was approved by Quilter Wealth Ltd, Quilter Financial Services Ltd, Quilter Mortgage Planning Ltd, Quilter Financial Ltd, Quilter Financial Planning Solutions Ltd & Lighthouse Advisory Services Limited on 01 August 2022.