Professional Financial Advice Services 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
With 31 years of experience and a whole of market financial services approach, we serve clients across Richmond, Teddington and Twickenham with tailored guidance covering investments, pensions, and tax planning.
Our services are fully FCA regulated, giving you the reassurance that everything we recommend is aligned with your best interests.
Comprehensive Financial Planning Services for Clients in Richmond
Our role is to help you understand your options and make informed decisions about your financial future. We work closely with clients planning towards retirement or those who have already retired, providing advice that is straightforward, personalised, and based on a full assessment of your circumstances. As a local financial adviser in Richmond upon Thames, we understand the needs of the community and offer practical solutions that support long-term financial wellbeing.
Our approach is centred around clarity and transparency, ensuring that you always feel confident about the recommendations you receive. Whether you are reviewing your investments, planning for retirement, or looking to reduce tax liabilities, we provide tailored guidance to help you achieve financial peace of mind.
Key benefits of our approach include:
- FCA regulated advice
- Whole of market guidance
- 31 years of experience
- Local knowledge across Richmond, Teddington and Twickenham
- Free, no obligation initial consultation
- Annual reviews and ongoing support
Our Core Financial Services
We offer a focused set of financial services designed to address the core priorities of our clients. Each service is delivered with care, expertise, and a personalised understanding of your goals.
Investment Planning
Investment planning plays a key role in helping you grow and protect your wealth over time. As part of our financial planning services, we provide tailored investment strategies based on your goals, risk tolerance, and financial position.
Our investment planning support includes:
- Assessing your current investments and financial objectives
- Understanding your risk profile and long-term priorities
- Creating a tailored portfolio based on whole of market research
- Reviewing performance and making adjustments as needed
- Supporting income generation or capital growth goals
- Ensuring investments remain suitable for your stage of life
We take a calm and structured approach, explaining your options clearly and ensuring that every recommendation is aligned with your personal circumstances. Regular reviews help keep your portfolio on track and responsive to market changes or shifts in your financial needs.
Retirement Planning
Retirement planning is one of the most important financial decisions you will make, and we help clients prepare for a comfortable and confident future. As a provider of independent financial advice in Teddington, we offer straightforward guidance to support your retirement goals.
Our retirement planning service covers:
- Pension reviews and consolidation
- Drawdown options
- Annuity considerations
- Retirement income strategies
- Tax-efficient retirement planning
- Long-term financial preparation
We begin by understanding your retirement goals, timeframe, and existing pension arrangements. From there, we create a clear plan designed to help you transition smoothly into retirement. Ongoing reviews ensure your arrangement remains aligned with legislation, markets, and your personal priorities.
Tax Planning
Effective tax planning helps you protect more of your wealth and support long-term financial security. As part of our investment, pension and tax planning service, we provide structured guidance on ways to make your finances more tax efficient.
We can help with:
- Income tax planning
- Capital gains tax considerations
- Inheritance tax planning
- Tax-efficient investments, including ISAs and pensions
- Structuring finances to reduce tax liabilities
- Aligning tax planning with retirement and investment strategies
We take a whole of market approach to find suitable options based on your needs. Everything is explained clearly to help you make informed decisions with confidence. Annual reviews ensure that your arrangements remain effective, because your personal financial situation, the economic outlook and tax legislation do change over time.
Local Areas We Serve
We are proud to support clients throughout Richmond upon Thames and the surrounding communities. Our financial adviser services are available to individuals and families in:
- Richmond
- Teddington
- Twickenham
This local focus strengthens our understanding of the needs of clients across South West London, allowing us to provide tailored, personal service built on long-term relationships.
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.
Trusted by Clients Across Richmond
Clients across Richmond, Teddington and Twickenham value our clear, independent advice and the supportive, professional service we provide. Their feedback reflects the trust and long-term relationships we aim to build.
"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.
Why Clients Choose Richmond Financial Advice
Choosing the right financial adviser is an important step, and clients appreciate the experience, clarity, and reliability we bring to every conversation. We focus on long-term relationships and provide support at each stage of the financial journey.
Clients choose us because we offer:
- 31 years of financial services experience
- Whole of market financial advice
- FCA regulated guidance
- Free initial consultations
- Local knowledge and friendly service
- Tailored recommendations, never a one-size-fits-all approach
Our focus is always on providing sincere, professional and reliable financial advice that supports your goals.
Frequently Asked Questions
How do I know if my existing pensions or investments are performing as they should?
Many people are unsure whether their current arrangements are still suitable. We suggest a review to check how your existing financial products fit with your current situation and whether they align to achieve your needs and objectives. We will produce a report with a recommendation after assessing your policies’ charges, their risk level and long term performance.
What is the difference between restricted advice and whole of market advice?
Restricted advisers can only recommend products from a limited range, while whole of market advisers review the full marketplace. This provides a broader choice and helps ensure recommendations match your personal circumstances more closely.
How much retirement income will I need?
The amount varies widely depending on lifestyle, plans, and existing pension arrangements. During your consultation we help you assess what income you are on track for and whether adjustments are needed to meet your retirement goals.
Can you help me reduce how much tax I pay on my savings or investments?
Yes, we can explore tax-efficient options such as ISAs, pensions, and other strategies designed to help you manage income tax, capital gains tax, or inheritance tax more effectively.
Start Your Financial Planning Today
Whether you are reviewing your investments, preparing for retirement, or seeking tax guidance, we are here to support you with calm, clear, and tailored advice. Our whole of market approach ensures you receive recommendations that are truly suited to your circumstances.
Book your free consultation today.
Call: 07930 853 948 | 020 8977 2899
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)