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Richard Love

Financial Planning Consultant DipPFS in Lingfield

A little bit about Richard

I am a Lingfield, Surrey based financial planner and my job is to make your money work in the best way possible for you. We all want different things so a one size fits all approach simply does not work. I will work with you to create a tax-efficient, realistic and flexible financial plan aligned to your specific goals. Whatever your life stage, I will be there to help you make the right decisions so that your money is always working hard and that you and your family are properly protected against any of life's challenges.

Tax treatment varies according to individual circumstances and is subject to change.

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

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.

General Insurance

Home contents insurance, buildings insurance.

Business Services & Protection

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

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.

Location

Richard's location

Lingfield
Surrey
RH7
United Kingdom

Richard is located in Lingfield and offers expert financial advice to suit your needs.

More about me

I am a financial planner from Lingfield on the Surrey/Sussex border. I am here to guide you and your family through the sometimes complex world of financial planning. I start with a simple premise. My job is to get your money working for you in the best and most tax efficient way for you to see your money achieving whatever financial goals you have set.

I have had a varied career, from working in financial services to running a commercial investigation business to owning my own Italian restaurant. These experiences help me really understand all sorts of different people and particularly their goals and motivations. I firmly believe that with financial planning we start with the end result we want and then work back. We set things up properly and outline the path that will get us there. We review, adapt and protect as we go along and make those goals happen.

When I am not working, I love to travel and have visited numerous countries around the world; everything from the wilds of Chilean Patagonia to the rainforests of Malaysia. I also enjoy all sport with a particular interest in horse racing. At home I like a decent glass of red wine and spending time with my family, friends and 2 rescue dogs, Patti from Serbia and Munch from Romania.

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 10 January 2025.