How much does it cost? 

The first meeting is at no cost to you and there is no requirement for you to become a client.  These meetings can be held virtually, at your home or at a suitable location depending on where you are based. We will only take on clients who we feel are the right fit and who we can add value with.  Your fee will depend on the complexity of your financial situation and investable assets and will be agreed before any meeting. We don’t charge VAT on our fees and they can be facilitated from existing investments or pensions if suitable. We are confident our fee are great value for our clients.

Do I have to sign up to your services at an initial meeting?

No. It’s important that you are happy and comfortable to proceed rather than to rush into things at the first meeting.

What are your qualifications?

Our founder, Ian Richards, is a Chartered Financial Planner and has over 10 years’ experience in financial services. Ian holds the prestigious title of Fellow of the Personal Finance Society - the highest qualification awarded and one of less than 1000 financial advisors in the UK to have this accolade. You are therefore in very safe hands!
Work to Live is an appointed rep of Validpath who are regulated by the FCA.

Do I need a financial plan?

We believe that to get the best outcomes, everyone should have a financial plan before deciding how to manage their money.

If you were going to run a marathon you would benefit from having a proper training plan in place to help you achieve your goal.  We believe a financial plan works in the same way and can deliver unforeseen value in terms of cash flow, spending and preparing for life’s transitions.

Although everyone would benefit from a plan, if at your life stage you just wish to set up a pension or pay down some extra debt you can do this without a specific plan.  Yet for those that are preparing for the rest of their life, we believe a financial plan is essential.

What makes you different to other financial advisers or financial planners?

Most advisers will tell you they are different.  However talk is cheap, so rather than spending time telling you how we are different we spend our time actually being different.  So get in touch and we can walk the walk, rather than talk the talk! Once you work with us we are confident you will get why we are different.  

I already work with a financial adviser, how are you different?

This comes down to the approach we take of focusing on you and your life rather than just the money.  

We can do all the stuff that your existing financial adviser is hopefully doing such as looking after your money, but all within the context of your overall financial plan which we will create for you.  

If you are just paying for investment management you may not be getting true value for your money, as the returns received are a result of what the markets would deliver rather than any particular skill of the adviser.  Remember no adviser has a crystal ball, or can guarantee returns. 

If you or your adviser measure the value received purely based on returns you get, I suspect you are ultimately both going to be disappointed.

Where can I find out more?

Check out our guides for more practical information, or if you want to get a better feel for our approach check out our social media where you’ll find lots of videos and posts which will give you a good feel for how we work and want we are like.  We know we won’t be to everyone’s taste (some people really want an adviser in a suit!), but for the right people we will be exactly what you are looking for.