Respected and trusted Independent Financial Adviser, Richard Jones, has launched his own financial advisory practice, Smart Independent Financial Advice Ltd, in the heart of West Kirby. Through his new practice, located at 164 Banks Road, he is bringing face-to-face advice back to the high street.
FOR A NO OBLIGATION CONSULTATION WITH RICHARD CALL 07944648080 OR VISIT HIS WEBSITE
As Director and Chartered Financial Planner of Smart Independent Financial Advice Ltd, established in 2021, Richard offers truly independent financial and estate planning services — a rare commitment in today’s landscape, where many advisers are shifting towards restricted financial advice models. His approach ensures clients receive unbiased, whole-of-market recommendations tailored to their unique needs.
Located at 164 Banks Road, West Kirby, the new office is a welcome addition to the community — especially at a time when traditional banks are disappearing from our high streets. The office was officially opened by Councillor and former Mayor of Wirral, Jeff Green, marking a new chapter in local access to professional face-to-face independent financial advice with a high street presence.
FOR A NO OBLIGATION CONSULTATION WITH RICHARD CALL 07944648080 OR VISIT HIS WEBSITE
With over 20 years of experience in the financial services industry, Richard has built a reputation for trusted advice — having previously held financial advisory roles at HSBC and Santander. A lifelong Wirral resident, Richard is passionate about delivering a face-to-face service rooted in the local community. His new financial hub in West Kirby offers a rare blend of industry expertise, truly personal service, and a warm, approachable presence on the high street.
Holding both a Maths degree and a Master’s degree in Maths, as well as his professional Chartered Advanced Diploma, Richard brings an analytical, detail-focused approach to financial planning. He is particularly known for helping clients navigate complex issues such as inheritance tax, retirement advice and legacy planning — always with the client’s best interests at heart.
FOR A NO OBLIGATION CONSULTATION WITH RICHARD CALL 07944648080 OR VISIT HIS WEBSITE
Richard commented: “I’m thrilled to open my own high street practice after two decades in the financial services industry. With the decline of both local bank branches and independent advice, it’s more important than ever for people to have access to reliable, face-to-face financial support. I look forward to welcoming and meeting the local community — especially on Fridays when I keep my diary open for anyone wanting to drop in.”
FOR A NO OBLIGATION CONSULTATION WITH RICHARD CALL 07944648080 OR VISIT HIS WEBSITE
As a whole-of-market adviser, Richard is not tied to any one provider. This means he can recommend products from across the entire financial marketplace, ensuring clients receive the most suitable solutions for their individual circumstances. His services include:
- Inheritance Tax Planning
- Retirement Planning & Pensions
- Savings & Investments
- Wills, Trusts & Estate Planning
- Equity Release
- Financial Protection & Insurance
FOR A NO OBLIGATION CONSULTATION WITH RICHARD CALL 07944648080 OR VISIT HIS WEBSITE
With inheritance tax frequently in the news — especially as the Government considers changes that could pull pension funds into the inheritance tax net from April 2027 — Richard has seen rising demand for clear, trusted advice in this area. He explains options in plain English and helps clients make informed decisions about their financial future.
Richard is a Chartered Financial Planner — one of the highest levels of professional recognition in the industry — and a member of The Society of Will Writers. He is also an affiliate member of the Society of Trust and Estate Practitioners (STEP) and is working towards full STEP membership. His qualifications and continued commitment to professional development reflect his dedication to delivering outstanding advice and service.
He adds: “Earning Chartered status is something I’m extremely proud of. It not only recognises my qualifications but also reflects my commitment to putting clients first — without exception. Many of my former customers from my banking days have followed me into this new chapter, and I’m always keen about helping new customers as well.”
FOR A NO OBLIGATION CONSULTATION WITH RICHARD CALL 07944648080 OR VISIT HIS WEBSITE
Richard welcomes visitors to drop in — especially on Fridays when he keeps time aside for anyone wishing to pop in. If you’re making a special trip, a quick call ahead is appreciated, especially as Richard also offers home visits for those less able or prefer not to travel.
For more information or to arrange an appointment, visit Smart Independent Financial Advice Ltd at 164 Banks Road, West Kirby, or get in touch today. WWW.SMART-IFA.CO.UK, 07944 648080. Richard@Smart-ifa.co.uk.
FOR A NO OBLIGATION CONSULTATION WITH RICHARD CALL 07944648080 OR VISIT HIS WEBSITE
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.
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.
Estate Planning and Inheritance Tax Planning are not regulated by the Financial Conduct Authority.
Will Writing and advice on Lasting Powers of Attorney are not regulated by the Financial Conduct Authority.
