Financial Planning Consultant DipPFS, CeMAP® in Watford Village
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.
In the UK, there’s an estimated £26.6bn1 in lost or forgotten pensions. That means the average UK worker is missing as much as £28k2 from their retirement money. But there’s good news - this kind of financial hit is completely avoidable.
This one might seem obvious, but it’s easy to lose track of your pension pots, where they are, and what they’re doing. If you make a note of your pension providers, and check your pot(s) regularly, you’re far less likely to lose one of them over time.
Your investment allocation is where and how you’re investing your pension. Often, people will just use their pension provider’s default setting. But this might not actually be right for your retirement goals and risk profile. So, it’s a good idea to revisit this every few years.
If you’ve had a windfall recently, like a pay rise, bonus, or inheritance, putting a portion of it into your pension is a good idea. Not only is it tax-efficient, but you’ll be glad when your retirement comes around.
As an adviser, my role is to help you get all of this done simply, with all the facts and information you need. That might be helping you review your risk profile, consolidating old pension pots, or making a plan to help you retire early.
If that sounds good to you, please get in touch.
The value of pensions and the income they produce can fall as well as rise. You may get back less than you invested. Tax Planning is not regulated by the Financial Conduct Authority. Tax treatment varies according to individual circumstances and is subject to change.
2 Source: https://www.hrmagazine.co.uk/content/news/average-uk-worker-has-28-000-in-unclaimed-pensions
Commercial mortgages/remortgages, workplace pension and employee benefits. Commercial mortgages are by referral only.
Fixed rate deals, discounted, variable and flexible, capped and/or collared.
Home contents insurance, buildings insurance.
Establishing and reviewing trusts, complete personal risk management planning, short- and long-term savings and investments.
Permanent health insurance to provide a regular income should you be unable to work due to illness or injury.
Wealth management advice to make your money work as hard as it can for you, including making the most of any tax breaks available.
Expert advice to help provide comfort in your retirement.
Whole of life and term assurance protection, private medical arrangements, critical illness insurance.
First time buyers, remortgages, buy-to-let.
Financial planning for dental and medical professionals, in-depth knowledge of NHS pensions and needs of hospital doctors, GPs, dentists and locums.
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.
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.
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!
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.
Watford Village
Northampton
NN6
United Kingdom
Richard is located in Watford Village and offers expert financial advice to suit your needs.
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.
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.
