Richard Gillies
Financial Planning Consultant DipPFS, CeMAP® in Watford Village
A little bit about Richard
Hello, I'm Richard. I am a level 4 diploma qualified Financial Consultant who gets joy and satisfaction from helping people realise their financial objectives and freedom.
Start the conversation
Speak to me if you want to access potentially better interest rates for your cash savings and enjoy an extra financial boost.
Contact me today
An adviser’s insight
Aim to maximise your cash savings
It might shock you to know that 28% of people hold their cash in interest-free savings accounts(1), receiving no return on their hard-earned money. Because under current rules a basic rate taxpayer can earn up to £1,000 in interest from their savings without paying tax, these people could be missing out on a significant financial boost that they could be enjoying.
This is even more relevant when you consider that the average person typically holds up to 25% of their available money on cash deposit(2). So, by reviewing your cash and tackling any ‘lazy money’, you’ll be making a great start at getting your finances in shape and achieving longer-term financial security.
If your money isn’t working as hard as it could, I can help. By making it easy to access potentially better interest rates, I can help you to aim to maximise your cash savings – giving you more money to spend on the things you enjoy or helping you grow your money towards a longer-term goal.
1 Building Societies Association Sept 2024
2 The Lang Cat: Cash as an asset class survey June 2024
Cash on deposit advice is not regulated by the Financial Conduct Authority.
Services
Business Services & Protection
Commercial mortgages/remortgages, workplace pension and employee benefits. Commercial mortgages are by referral only.
Deals
Fixed rate deals, discounted, variable and flexible, capped and/or collared.
General Insurance
Home contents insurance, buildings insurance.
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.
Mortgage
First time buyers, remortgages, buy-to-let.
Dental & Medical
Financial planning for dental and medical professionals, in-depth knowledge of NHS pensions and needs of hospital doctors, GPs, dentists and locums.
Qualifications
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.
Certificate in Mortgage Advice and Practice - Level 3
- CeMAP is the benchmark qualification for individuals aspiring to become mortgage advisers. It gives the skills, knowledge and certifications to deliver mortgage advice and practice.
CeMAP Diploma - Level 4
- The CeMAP Diploma elevates expertise and knowledge in mortgage advice.
Testimonials
Caroline H.
Richard kindly gave me well over an hour of his time for some initial advice in respect of my father's finances. The advice he gave was incredibly helpful and he also made what can be a daunting and complex topic, easy to understand.
I walked away from our appointment having learnt a great deal regarding my father's financial situation in the wake of my mother's passing last year and the best ways in which we might need to move forwards.
I would highly recommend Richard for anyone seeking advice around their finances.
David M.
Richard Gillies has been a fantastic financial advisor, giving me clear and appropriate advice on where, how and what to do with my income, giving me a brighter financial future, whether it was discussions about retirement, savings or financial goals he painted a clear picture of what I could do and I would highly recommend him to anyone.
Mark D
Over a few sessions, Richard was able to explain to me (an absolute financial investment newbie) the best way forward for investment, taking into account my personal financial situation. No pressure - just friendly, supportive, professional help and advice. Would absolutely recommend!
Dave M
I would like to express my thanks to Rich Gillies who has guided/is guiding me through the world of investing. I was a very nervous investor, as the thought of possibly losing money (that I wasn't used to having) scared me. But Rich, through patience & careful explanation put my mind at ease. He is a credit to the business and would happily recommend his services to others, in fact I already have.
Location
Richard's location
Watford Village
Northampton
NN6
United Kingdom
Richard is located in Watford Village and offers expert financial advice to suit your needs.
More about me
I've spent over 20 years in public service and Chauffeuring, during that time I found I had a keen eye for financial planning and would often help friends, family and colleague with their finances.
I started to research the financial industry and came to quickly realise that the population is simply not educated to the correct standard at any point regarding financial matters, from a range of subjects including taxes, savings, pensions, investments or simply how the system works. I began my official career in finance by becoming a Mortgage and Protection advisor, then moving into Private Medical Insurance before becoming fully qualified with a Diploma in Financial Planning.
Whether it is helping people plan for their savings goals, plan for their retirement or just to obtain financial freedom, I thrive on that challenge and the help it provides.
My spare time is taken up with my wife and two children, I love travelling and if I could, I would spend my days travelling the world.
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.