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Ryan Perkins

Financial Planning Consultant DipFA, CeMAP, MLIBF in Romsey

A little bit about Ryan

I started my career in financial services in 2005 and have worked for some of the largest product providers in the United Kingdom and international markets. I now assist clients in planning for their financial future and aim to develop long-lasting relationships that span generations.

Find out more about me below.

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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.

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.

Income Protection

Permanent health insurance to provide a regular income should you be unable to work due to illness or injury.

Pensions

Expert advice to help provide comfort in your retirement.

Protection

Whole of life and term assurance protection, private medical arrangements, critical illness insurance.

Dental & Medical

Financial planning for dental and medical professionals, in-depth knowledge of NHS pensions and needs of hospital doctors, GPs, dentists and locums.

More about me

I have always dealt with the end client in my various roles and am acutely aware of what clients need and the value a financial planner can add over the long term. I enjoy getting to know clients and listening to their stories to gain an understanding of their needs and objectives. Often, clients reach out thinking there is a need for advice in a particular area, only to find that the situation is not quite as they thought. For example, a client contacted me for advice on how best to finance home improvements, not realising they had a large potential inheritance tax liability to mitigate and could benefit from pension advice. Another client hadn’t fully appreciated the risks of holding large amounts of cash with a single institution, and I reorganised their finances in a way that protects them and their family and ensures their wealth is passed on to their beneficiaries in the best possible way. As they say, ‘a problem shared is a problem halved’. 

I am a member of the London Institute in Banking Finance and am a Certified Professional in Financial Advice holding a Diploma in Financial Advice. More information about the certification can be found here.

Outside of work, I enjoy time with my family and friends and spending time outdoors. I am a passionate motorcyclist and am hoping to improve on my golf handicap too.

Please get in touch for a no-obligation review of your financial plans where the initial meeting is provided at my expense.

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.