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
Get in touch if you’d like to discuss how to balance your present spending plans with your future saving goals, or any other financial matters you’re thinking about.
Contact me today
An adviser’s insight
Spend wisely and save smartly
June can be one of the best months of the year with summer well and truly on the way. But with all those holidays, weddings, anniversaries, and other spending, it can also be one of the most expensive too.
While you should be focusing on the present, it’s also important to be aware of how major outlays now can have a significant impact on your financial security in later life. A cashflow model can give you a clear picture of the consequences your spending and saving can have on your future.
It’s also good to know about the ways you can use your tax-free allowances wisely on certain expenditures. For example, your gifting allowances can let you pass on up to £3,000 a year to your loved ones without it being added to the value of your estate.*
Together, we can make a plan to help you live your life to the full now, while still having the retirement you want later on.
Click on the contact me today button at the top of my profile to discuss how I can help you.
*Source: HMRC
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.