Ian Richards

WORK HISTORY

EDUCATION

ABOUT IAN RICHARDS

You\'re earning more than you ever expected. But nobody has built a plan to make sure it\'s actually working for you. That\'s the most common thing I hear from Big 4 equity partners and senior executives in their first conversation with me. The income is real. The complexity arrived with it. And somewhere between the promotions, the tax bills, the pension nobody reminded you to sort, and a life that got busier than you planned - nobody ever asked the question that actually matters: What does a genuinely great life look like for you? That\'s where I start. Every time. Before a single number gets looked at. I work with clients through the Clarity Life Plan. I start with your life-what you actually want the next decade to look like-when you want work to become genuinely optional-what that life costs. Then we build the complete financial picture around it. Every pension mapped. Every asset accounted for. Your Freedom Number identified. Your cashflow modelled. The result is a joined-up strategy across tax, pensions, investment and protection. With every action prioritised and a 12-month plan that\'s actually yours. Not a 200-page report that sits in a drawer. Something you can look at and know exactly where you stand. Most financial advisers start with your assets. I think that is wrong. My approach is Life First, Money Second. I\'m a Chartered Financial Planner and one of fewer than advisers in the UK to hold the Fellowship of the Personal Finance Society. I\'m also a Certified Coach which means I am trained to listen and ask better questions, because the answers that matter are yours, not mine. 18 years in financial services. 14+ years advising clients directly. The first conversation is free. Thirty minutes. No pitch. You\'ll leave clearer on where you stand — whether we work together or not. worktolivefinancialplanning.com · i•••@worktolivefp.com · 01•••••••79