is often an avoidable tax. I take real satisfaction in the peace of mind that a clear conversation can provide.” This, of course, is just one element making up Richard’s encompassing approach to this dynamic market, which is as deep as it is wide as a result of his proven five-stage process being leveraged at every turn. Beginning with the initial consultation – which takes place free of charge either at Smart Independent Financial Advice’s aforementioned office or in the comfort of a client’s own home (virtually or otherwise) – Richard will then undertake thorough research to ensure that the advice collated is both relevant and bespoke. Upon presenting their solution in the third step, Richard will take the time to explain exactly how it aligns with a client’s personal objectives, employing his signature, jargon-free tactics to ensure they leave the meeting feeling confident, informed, and assured of their next steps. From here, and only once they are 100% happy with the recommendation, it is simply a case of sitting back and let Richard take care of the rest, with his clients being kept in the loop via frequent calls, texts, and emails. What follows is an ongoing review service that sees Smart Independent Financial Advice stick by its clients, including meeting them at least once every year to make sure their plans remain on track and discuss any changes that may have happened since. This, the final stage of the process detailed above, captures the essence of the firm’s client-first ethos, which has remained the cornerstone of the practice since day one. It is seen on a bigger scale through the community-minded focus Richard also possesses. “Our approach is rooted not only in professional expertise, but also in genuine care and empathy.” At its core, this can be traced back to Richard’s personal life, which has been filled with difficulties as a result of his health. Having already had three life-saving kidney transplants – the last kidney came from his sister – Richard was able to put many years of dialysis treatment behind him and return, with a renewed energy, to his passion for swimming. His return was marked by success, securing five gold medals in the UK Transplant Games and four silver medals in the World Transplant Games. Richard’s journey has ignited a passion for giving back, and, beyond his business and sporting commitments, a fitting example will see him serve as the treasurer of the Wirral & West Cheshire Kidney Patient Association, which is soon to be launched. The aim of this charity is to support those facing these challenges, and it has been set up by kidney patients who know what these people are going through. By serving in this role and sharing his own touching story, Richard is driving a lasting change. The trust, compassion, and community its principal stands for is thus reflected across the entirety of Smart Independent Financial Advice, a firm built on it’s founder’s values, resilience, and innate desire to improve lives and provide people with the reassurance they seek when it comes to their financial futures. It is with this in mind that we have chosen to recognise Smart Independent Financial Advice here with two deserved awards in this programme – and thus cementing its status as the leading Wirral financial adviser. Contact: Richard Jones Company: Smart Independent Financial Advice Web Address: https://www.smart-ifa.co.uk/ Smart Independent Financial Advice Ltd is an Appointed Representative of New Leaf Distribution Ltd, who are authorised and regulated by the Financial Conduct Authority. Number 460421. Head Office: 165-167 High Street, Rayleigh, Essex, SS67QA. Co registration Number 5520001. Smart Independent Financial Advice Ltd has FCA Number 967978. Our services relate to certain investments whose prices are dependent on fluctuations in the financial markets beyond our control. Investments and the income from them may go down as well as up and you may get back less than the amount invested. Past performance cannot be used as a reliable prediction of future performance. Your home is at risk if you fail to keep up payments on your mortgage or any other loans secured against it. Equity release may involve a lifetime mortgage which is secured against your property or a home reversion plan which requires the sale of property for a discounted price. To understand the features and risks, ask for a personalised illustration. You only continue to own your own home with a lifetime mortgage. Equity release may impact the size of your estate and it could affect your entitlement to current and future means-tested benefits. Estate Planning, Will writing and Inheritance Tax Planning are not regulated by the Financial Conduct Authority.
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