About Richmond Financial Advice
At Richmond Financial Advice, we provide trusted, independent financial guidance to individuals and families seeking clarity, confidence, and long-term security. Based in Richmond upon Thames, we specialise in investment planning, retirement planning, and
+31 Years'
Experience in Financial advice
£240+ million
assets owned by clients
550+ clients
helped with financial solutions
Our Story and Why Richmond Financial Advice Exists
Kuldev Sehra became a financial adviser through a lifelong interest in business and economics, developing a career where professional expertise and personal passion align. Over more than three decades, he has supported clients through every stage of their financial lives, from early planning to retirement income.
This experience shapes how Richmond Financial Advice works today. Financial planning is not about products, it is about understanding personal goals such as security, freedom, and time with family, then building strategies to support them.
Having lived and worked in the Richmond area for over 30 years, the firm is closely connected to the local community. Many clients have remained loyal for decades, with new enquiries often coming through personal recommendation.
Our Values and Our Approach
At Richmond Financial Advice, everything we do is guided by three core values.
- Sincere
- Professional
- Reliable
These values shape how we communicate, how we advise, and how we build long-term relationships. We understand that many people feel uncertain when speaking to a financial adviser for the first time. Common concerns include adviser experience, objectivity, and long-term stability. Our history, regulatory standing, and consistent service help address these concerns from the very first conversation.
Clients look for continuity and trust. We provide both by remaining fully independent, FCA regulated, and committed to long-term client relationships rather than short-term transactions.
Independent, Whole of Market Financial Advice
We provide independent financial advice, so our recommendations are based on a comprehensive and fair analysis of the whole market. We avoid off-the-shelf solutions, every recommendation is bespoke and built around each client’s circumstances, objectives, and priorities.
To support objective, high-quality advice, we use trusted research tools including Defaqto, Morningstar, and Trustnet. This helps us create personalised strategies that are evidence-based, transparent, and right for each client.
Our core services include:
- Investment Planning
- Retirement Planning and pension advice
- Tax Planning and tax-efficient wealth strategies
These services are ideal for clients approaching or in retirement who want to protect wealth, optimise income, and plan with confidence.
How we work
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.
Who We Help and Why Clients Stay With Us
Our clients are typically individuals and couples approaching retirement, already retired, or looking to make the most of their savings in later life. Many are thinking not only about their own financial security but also about how to pass wealth efficiently to children and grandchildren.
The majority of our clients come to us through personal recommendation. This trust is built through consistency, clarity, and being present throughout their financial journey. As one recent enquiry shared:
“I would like to make an appointment with you, please, to discuss mine and my husband's finances, my dad recommended you.”
This long-term trust is something we value deeply and work hard to maintain.
Real Outcomes, Real Impact
Quality financial advice can make a measurable difference. One recent example involved a 68-year-old self-employed engineering consultant preparing for retirement. Through careful planning across pensions, ISAs, and investment bonds, we structured his retirement income so that he expects to enjoy around £20,000 per year while currently paying no income tax, entirely legitimately and within current rules.
This outcome was only possible through long-term planning, detailed knowledge of tax allowances, and a personalised strategy built around his goals. It is this level of care and foresight that defines our work.
Professional Standards and Regulation
Richmond Financial Advice Ltd is an Appointed Representative of ValidPath Limited, which is authorised and regulated by the Financial Conduct Authority, Firm Reference Number 197107. We provide independent advice based on a comprehensive and fair analysis of the market.
Kuldev Sehra is an Associate Member of:
- Chartered Institute for Securities and Investment (CISI)
- Personal Finance Society (PFS)
- Society of Later Life Advisers (SOLLA)
- Consumer Duty Alliance (CDA)
We are covered by the Financial Services Compensation Scheme (FSCS), providing additional peace of mind for our clients.
Our Team and Our Commitment
While we are a focused firm, we operate as a team, supported by trusted professional networks and regulatory partners. We believe that presenting a professional, structured, and collaborative approach is essential in financial services, particularly when clients are placing long-term trust in those advising on their finances.
"I first approached Kuldev for financial advice after my wife passed away in 2006. He gave me some excellent advice just before the financial crash of 2007 and I have been a fan of his ever since. Kuldev is very professional and has a knack of explaining things very clearly. I would recommend him to anyone."
- Mr W A, Twickenham
"After retirement, my wife and I downsized and moved to Camberley 5 years ago but we still come up to Twickenham to meet up with our sons and catch up with friends. We often meet up with our financial adviser, Mr Sehra. He has looked after our finances very efficiently but still has a calm, patient and friendly manner."
- Mr S S, Berkshire
"There are many financial advisers around but it hard to find someone to trust. But Kuldev is the exception. He always looks out for our best interests and is never pushy. We have introduced him to many of our friends."
- Mr P S, Hampton
"Are you looking for someone you can rely on to always be there for you? Look no further! Kuldev is my trusted adviser. I find him to be very knowledgeable about stock markets but not in a geeky way! He knows his stuff. Try him and see - you won't be disappointed."
- Mr G W, Richmond
Client feedback reflects the clarity of our advice, our whole of market approach, and the professional service we provide. We welcome reviews from clients and will display them here once they are available.
Speak to a Local Financial Adviser You Can Trust
If you are looking for an Independent Financial Adviser in Richmond, FCA Regulated Financial Planner, or Local Financial Experts in Richmond upon Thames, we invite you to speak with us.
Your first consultation is free, with no obligation and no pressure. It is simply a conversation to understand what matters to you and how we may be able to help.
Book your free consultation today.
Call: 07930 853 948 | 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)