Richard has over 38 years' experience in banking and wealth management, advising high-net-worth individuals and families. Having spent much of his career with NatWest Private Banking and Coutts, he specialises in pensions, investments, and inheritance tax planning. Richard is a Fellow of the Chartered Institute for Securities & Investment (CISI) and holds a Level 6 qualification. His approach combines extensive industry experience with a genuine focus on helping clients make informed financial decisions with confidence. Outside of work, Richard enjoys spending time with family and friends, travelling, and playing padel, tennis, golf, and football. He has also spent many years supporting Southampton FC Academy as a host family and is a proud Patron of the Saints Foundation Charity.