Investment Planning in Richmond
At Richmond Financial Advice, we provide clear and dependable financial advice services in Richmond for individuals and families seeking to protect, manage, and plan their wealth with confidence.
+31 Years'
Experience in Financial advice
£240+ million
assets owned by clients
550+ clients
helped with financial solutions
Investment planning plays a vital role in helping you grow, protect, and manage your wealth over time. At Richmond Financial Advice, we provide independent, whole-of-market investment advice for clients across Richmond, Teddington, Twickenham, and South West London. Our approach is tailored, transparent, and built around your personal goals, financial position, and stage of life.
As a fully independent, FCA-regulated financial advice firm with over 31 years of industry experience, we help individuals and families make informed investment decisions with confidence. Whether you are looking to grow capital, generate income, or protect wealth for the future, our investment planning service is designed to give you clarity, control, and long term peace of mind.
Core reasons clients choose Richmond Financial Advice for investment planning:
- Fully independent, whole of market investment advice
- FCA-regulated firm with 31 years of industry experience
- Tailored portfolios aligned to your goals and risk profile
- Clear, jargon-free explanations and no hard selling
- Free initial consultation with no obligation
- Ongoing reviews to keep your investments on track
- Free, no obligation initial consultation
- Annual reviews and ongoing support
What Is Investment Planning and Why It Matters
Investment planning is the process of structuring your money in a way that aligns with your long term objectives while managing risk appropriately. Rather than relying on guesswork or short-term market movements, a structured investment plan helps ensure your wealth works efficiently for you over time.
For many of our clients in Richmond and surrounding areas, investment planning supports goals such as:
- Growing capital for later life
- Generating sustainable income in retirement
- Protecting wealth against inflation
- Supporting family members or future generations
- Ensuring investments remain suitable as circumstances change
Effective investment planning is not about chasing performance. It is about building a strategy that reflects your priorities, risk tolerance, and time horizon, then reviewing it regularly to ensure it remains appropriate.
Our Independent, Whole of Market Approach
One of the key differences at Richmond Financial Advice is our fully independent status. Being whole of market means we are not tied to any single provider, platform, or product range. This allows us to research and recommend solutions from across the entire market, always with your best interests at the centre.
Unlike restricted advisers who may only recommend products from a limited panel, our independence ensures:
- Recommendations are based solely on suitability
- Greater flexibility in portfolio construction
- Access to a wider range of investment options
- Transparent advice with no hidden bias
This whole-of-market approach is particularly valuable for clients seeking bespoke investment strategies rather than off-the-shelf solutions.
How Our Investment Planning Process Works
We take a calm, structured, and personal approach to investment planning. Every client is different, which is why no two investment strategies are the same.
Understanding Your Goals and Circumstances
We begin with a free initial consultation to understand your financial objectives, existing investments, and personal priorities. This includes discussing your income needs, future plans, and any concerns you may have about investing.
Assessing Risk and Time Horizon
Understanding risk is essential to successful investing. We assess your attitude to risk alongside your capacity for loss to ensure any investment strategy is aligned with what you are comfortable with, both financially and emotionally.
Building a Tailored Investment Portfolio
Using whole of market research, we construct a diversified portfolio designed to meet your objectives. This may include a mix of asset classes depending on whether your focus is capital growth, income generation, or a combination of both.
Ongoing Reviews and Adjustments
Investment planning is not a one off exercise. Markets change, and so do personal circumstances. We provide regular reviews to assess performance, rebalance portfolios where necessary, and ensure your investments remain suitable as your needs evolve.
You can also explore how investment planning integrates with our wider financial planning services
Investment Planning for Clients Across Richmond and South West London
We work with clients throughout Richmond upon Thames, including Teddington and Twickenham, as well as the wider South West London area. Our local knowledge allows us to provide a personal service while maintaining the professionalism expected from an FCA regulated advisory firm.
Clients often choose to meet us in person at our Teddington office, although consultations are also available by phone or video call where preferred. We also offer home visits.
How Our Investment Planning Process Works
Initial phone call
This is free. You don’t have to commit to anything and if you feel our service is not for you, all you’ve done is had an informal chat.
Getting to understand You
If you think we can be a good match, then we'll have a meeting to focus more on your personal financial situation and talk about your goals.
Benefits of Professional Investment Planning
Working with an independent financial adviser offers significant advantages compared to managing investments alone.
Key benefits include:
- Diversification to spread risk across asset classes
- Professional portfolio construction based on research, not speculation
- Ongoing monitoring and review
- Alignment with wider financial planning and tax considerations
- Greater confidence and peace of mind
For many clients, especially those approaching or already in retirement, having a clear investment strategy provides reassurance and long-term stability.
Investment Planning for Clients Across Richmond and South West London
We work with clients throughout Richmond upon Thames, including Teddington and Twickenham, as well as the wider South West London area. Our local knowledge allows us to provide a personal service while maintaining the professionalism expected from an FCA regulated advisory firm.
Clients often choose to meet us in person at our Teddington office, although consultations are also available by phone or video call where preferred. We also offer home visits.
FCA Regulation, Experience, and Trust
Richmond Financial Advice is authorised and regulated by the Financial Conduct Authority. This means our advice meets strict regulatory standards designed to protect clients and ensure transparency.
With 31 years of experience in the financial services industry, our advice is grounded in real world knowledge rather than theory alone. We believe trust is built through clarity, consistency, and long term relationships, not pressure or sales tactics.
We offer a free initial consultation so you can explore your options without obligation and decide whether our approach is right for you.
Frequently Asked Questions About Investment Planning
Is investment planning suitable if I am already retired?
Yes. Investment planning can play an important role in retirement, particularly when managing income, preserving capital, and ensuring funds last as long as needed. Advice is always tailored to your circumstances.
How often are investments reviewed?
We carry out regular reviews, typically annually or more frequently if required. Reviews allow us to adjust your portfolio in response to market changes or changes in your personal situation.
Do I need a large amount of money to start investing?
Investment planning is suitable for a wide range of financial situations. During your initial consultation, we will discuss whether investment planning is appropriate for you and what options are available.
Are your recommendations independent?
Yes. As a fully independent adviser, we provide whole of market advice. This means recommendations are based on suitability, not on a limited panel of providers.
How do I get started?
The first step is to book a free, no obligation consultation. This allows us to understand your goals and explain how we can help.
Book Your Free Investment Consultation
If you are looking for clear, independent investment advice in Richmond or South West London, Richmond Financial Advice is here to help. Our tailored investment planning service is designed to support long-term financial security while giving you confidence and clarity at every stage.
Contact us today to book your free initial consultation and take the first step towards a structured, well-managed investment strategy that aligns with your goals.
Call: 07930 853948 | 020 8977 2899
Email: hello@richmond-financial-advice.com
Make an Enquiry
Frequently Asked Questions
We provide whole of market, unbiased and professional advice on your investments and pensions so that you can be better prepared for the future and your retirement.
- Saving and investing
- Retirement planning
- Considering later life options
- Protecting your wealth
- Intergenerational planning
Financial advice is neither a one-size-fits-all, nor a one-off solution. We want to offer you personalised advice and guidance for as long as you want. If you decide to work with us, we'll see it through. We believe in giving you the best value for money. Our business model is built around you, our client. We will help you make the best decisions backed with decades of real-life experience which you can trust.
You know your financial and personal circumstances better than anyone else. Our role is to listen and understand you, your current situation and how it might be changing. We will then discuss what you want to achieve and agree your what’s important to you.
After that, we do our research and analysis before fixing another meeting where we will show you what we can do to meet those requirements.
But it doesn’t just stop there. We will invite you to a review meeting atleast once a year. You can, of course, contact us at any time should you have any questions or concerns. We would be happy to meet with you throughout the year, if you want.
Everyone’s situation is unique. But we pride ourselves on delivering first class service to all our clients and aim for 100% satisfaction. It’s about being on the journey with you for now and whatever the future might hold.
Our service is tailor-made to match your requirements, so the precise fees depend on the complexity of your current situation and the due diligence that will be involved in preparing your recommendations. We will present our costs to once we have a fuller understanding of what you’re looking for us to do. These fees will be clearly set out in a signed Client Agreement before we do any research and analysis on your behalf.
Yes : Richmond Financial Advice is an Appointed Representative of ValidPath Limited which is authorised and regulated by the Financial Conduct Authority.
If you have a complaint, this would be dealt with by ValidPath Limited. And, if you are not satisfied with their response, you have the right to refer the matter to the Financial Ombudsman Service (FOS) within 6 months.
We are also covered by the Financial Services Compensation Scheme | FSCS.
Furthermore, you will also find details of Associate membership with these three institutions :
Chartered Institute for Securities & Investment (CISI)
Personal Finance Society (PFS)
Society of Later Life Advisers (SOLLA)