Richard Cakans
Chartered Financial Planning Consultant, Chartered FCSI, DipPFS, Cert CII (SMP), Cert CII (ER), PTS in Cumbria
A little bit about Richard
Although I specialise in defined benefit pension transfers (also known as final salary pensions) I am a highly experienced financial adviser, having worked with successful individuals, business owners and entrepreneurs for more than 25 years, providing guidance and support through the complexities of financial planning.
Start the conversation
Speak to me if you’re interested in preparing for tax year end, or just want advice on making your money go further.
Contact me today
Tackle tax year end with confidence
Tax rules can seem pretty impenetrable. With the new Budget, and so many different allowances and regulations to keep up with, it’s no wonder millions of us end up accidentally missing opportunities - equating to millions of pounds a year.1
In this case, ignorance really isn’t bliss. And by confidently preparing for tax year end, you can be sure you’re getting all the money you’re entitled to - whether that’s by saving as much as you can tax-efficiently or just using your allowances to their full extent.
I can go through your financial position with you, so you’re ready for tax year end on 5 April. Did you know, for instance, that only 1 in 7 savers fully use their ISA?2 Or that you could be one of the 2m couples3 who aren’t making the most of their marriage allowance?
Together we can make this tax year end something to celebrate, rather than pass by. Get in touch for your tax year end review, or a cashflow modelling session to understand your financial position better.
For ISAs, Investors do not pay any personal tax on income or gains, but may pay unrecoverable tax on income from stocks and shares received by the ISA managers.
Tax treatment varies according to individual circumstances and is subject to change.
Stocks and Shares ISAs invest in corporate bonds, stocks and shares and other assets that fluctuate in value.
2 Source: https://ifamagazine.com/just-one-in-seven-brits-use-their-full-isa-allowance-survey-shows/
3 Source: https://moneyweek.com/personal-finance/605717/marriage-tax-allowance
Approver Quilter Financial Services Limited & Quilter Mortgage Planning Limited. 17 December 2024.
Holistic planning
Establishing and reviewing trusts, complete personal risk management planning, short- and long-term savings and investments.
Income Protection
Permanent health insurance to provide a regular income should you be unable to work due to illness or injury.
Investments
Wealth management advice to make your money work as hard as it can for you, including making the most of any tax breaks available.
Pensions
Expert advice to help provide comfort in your retirement.
Protection
Whole of life and term assurance protection, private medical arrangements, critical illness insurance.
Diploma in Financial Planning
- The Level 4 Diploma in Financial Planning from the Chartered Insurance Institute develops core technical understanding across a broad range of key financial planning areas.
Pension Transfers & Planning Advice
- The Level 6 Certificate in Pension Transfers & Planning Advice provides specialist knowledge and skills in this area of financial planning.
Chartered Fellow
- The pinnacle of CISI membership. Exclusively for professionals who have demonstrated the highest levels of knowledge and standards of professionalism.
Certificate in Equity Release
- The Certificate in Equity Release is a specialised and highly regarded qualification within the financial services industry. Designed to equip professionals with the knowledge and skills needed to provide expert guidance on equity release products, this certification programme plays a pivotal role in ensuring that individuals can make informed decisions about releasing equity from their homes.
Certificate in Advanced Mortgage Advice
- The Certificate in Advanced Mortgage Advice surpasses the FCA’s qualification requirements, allowing mortgage advisers to enhance their advisory skills and cater to clients with more complex needs and situations.
Tina R.
Richard Cakans has been supporting both my husband and me for several years now with our finances, in particular our pensions.
He is always available to provide advice whenever we need him and he does this in a very relatable manner, making it easier to understand.
He is extremely professional but also very personable and approachable.
I am very happy with the performance of my investment which has been achieved thanks to Richard’s excellent advice.
Danny S.
I cannot recommend Richard Cakans highly enough. His expertise, professionalism, and dedication to helping me achieve my financial goals have been nothing short of outstanding.
From the very first consultation, he took the time to understand my unique needs and crafted a personalized strategy that has truly transformed my financial outlook. His clear communication, thorough explanations, and proactive approach made complex financial concepts easy to understand and gave me confidence in every decision.
Thanks to his guidance, I feel secure in my financial future and well-prepared for the years ahead. If you're looking for a financial adviser who genuinely cares about your success and delivers exceptional results, Richard is the one to trust.
Mark Mc.
Following recommendations from several others in the place where I worked, I contacted Richard Cakans for an initial appointment to discuss pension advice.
Following the first meeting I was satisfied that Richard was very experienced in handling pensions and the transfer of funds (something that worried me at that time).
Richard kept me updated regularly on the status of my investments during the transfer of my funds. Following the investment I receive regular updates and also we meet annually to discuss the performance of my investments.
I have recommended Richard to several other people from my place of work and everyone of those who used his services have been extremely satisfied.
I can recommend Richard for his expertise and professionalism ensuring that clients receive the best product available for them.
Ron J.
I make a point of preaching the Gospel of Saint Richard to anyone that will listen.
I am extremely grateful for the way he handled my pension, professionally and with integrity.
I will always come back to Richard for financial advice.
Richard's location
Wigton
Cumbria
CA7
United Kingdom
Richard is located in Cumbria and offers expert financial advice to suit your needs.
I also offer services in the following areas:
I also offer services in the following areas:
- Cumbria
- Wigton
- Carlisle
- Workington
- Whitehaven
- Cockermouth
- Silloth
- Penrith
- Kendal
- Bassenthwaite
- Appleby
- Barrow-in-Furness
- Ulverston
- Keswick
- Cleator Moor
- Egremont
- Gosforth
- Seascale
- St Bees
- Newcastle
- Hexham
By understanding your needs, I can develop effective strategies to build, maintain and preserve your wealth and assets; strategies that deliver throughout your life and adapt to meet your ever-changing needs.
I understand the importance of my clients having a positive experience during the planning process, which is why I always take the time to remove the complexity in the industry by explaining things in layman’s terms, supporting you with decision-making and providing a personal ongoing service.
- Final Salary/Defined Benefit Pension Transfers
- Retirement Planning
- Pensions and Pensions in Divorce
- Long Term Care
- Wealth Management
- Income
- Tax efficient savings & investments
Transferring out of a Final Salary scheme is unlikely to be in the best interests of most people.
The Financial Conduct Authority does not regulate some employee benefits, tax planning, inheritance tax planning, estate planning, succession planning, trusts or some buy-to-let mortgages.
The guidance and/or information contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.
Registered Office: Quilter Financial Advisers, Senator House, 85 Queen Victoria Street, London, EC4V 4AB. Tel: 0207 562 5856. Registered in England and Wales. Registered number: 05693185. Lighthouse Financial Advice Limited, Senator House, 85 Queen Victoria Street, London, EC4V 4AB. Tel: 0207 562 5856. Registered in England and Wales. Registered number: 04795080.