Richard Zeng, PhD

How can you boost your pension pot?

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.

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.

¹Source: https://www.ftadviser.com/pensions/2023/10/26/one-in-20-savers-could-be-missing-out-on-lost-pensions/

² Source: https://www.hrmagazine.co.uk/content/news/average-uk-worker-has-28-000-in-unclaimed-pensions

What Led me to Financial Planning

My interest in personal finance started young. When I was 12, I made my first investment, a mutual fund I picked simply because the name sounded appealing. It was a naïve choice, but it sparked a lifelong curiosity about how money works and eventually led me into my career.

Fourteen years later, I earned a PhD in Accounting from London Business School and became a lecturer at the University of Bristol. Over nine years in academia, I taught and researched a wide range of accounting and finance topics. The work involved thinking critically, analysing complex data, and communicating clearly with audiences ranging from complete beginners to experts.

While I enjoyed the intellectual challenge, I eventually realised I wanted to apply that expertise in a more personal and practical way. I found myself most energised by the conversations that helped people make sense of complex choices. Some of the most rewarding moments at work came when a student or colleague asked for my opinion, and together we worked through their thinking until they had clarity on their next step.

Even outside of work, friends and family often turn to me for perspective when they face difficult decisions. I may not always have the perfect answer, but I always do my best to help.

That’s what led me to financial planning. It allows me to combine technical expertise with something that has always come naturally: offering clear, thoughtful guidance when it matters most.

Outside the Office

I stay active with gym workouts, tennis, and golf. I also love music, wine, whisky, and good conversations. I continue to teach part-time at university and enjoy bridging academic thinking with real-life financial planning.

Download Richard's Chinese biography.