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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.

Find out more about me below.

Start the conversation

Your money won’t reach its goal unless it has a direction. But with a plan, it can work towards something better. I can help.
Contact me today

An adviser’s insight

Money needs a plan. Here’s where to start

Money doesn’t make decisions on its own. Left sitting in cash, it quietly loses value. That’s why money needs a plan. It’s not about being wealthy or knowing all the answers – it’s about giving your money direction. And in the UK, many people miss out simply because they don’t take that first step.

  • Most people in the UK save sporadically or leave money sitting in cash – missing out on growth.
  • Planning gives peace of mind. It turns uncertainty into clarity.
  • The earlier you start, the more powerful the impact – but it’s never too late.
  • Quilter’s purpose is to help build brighter financial futures. That starts with a plan.
  • Investing always carries risk. The value of investments can go up and down and you may get back less than you invested.

Making your money work for you

Why investing matters

  • Lazy money loses value over time – inflation chips away at it.
  • Investing little and often helps your money grow without needing to be an expert.
  • A plan helps you stay focused and avoid reactive decisions.

Inflation and ‘lazy money’

  • Inflation quietly erodes the value of your savings.
  • £10,000 in cash today could be worth significantly less in 10 years.
  • Investing helps protect your money from inflation and grow it over time.
Ready to build your plan? Contact me using the details above.

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.

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.