Financial Services

Specialist advice built around your goals

No matter what stage you have reached in life, there is no substitute for professional financial planning, which we provide via our team of experienced, highly qualified advisers.

Rickard Luckin Financial Services – a sister business to Rickard Luckin – gives you access to expert advice across a wide range of financial matters. Whether it’s pensions, investments, retirement, estate planning or risk protection, our personal service delivers solutions designed to help you achieve your aims, take advantage of opportunities and adapt to changing circumstances in your life.

Your circumstances are unique, and so is our service

No two people are the same, so we make sure our recommendations are made with your individual ambitions in mind.

We take the time to understand the journey you’re on, covering the practical and tax implications of pensions, investments and other financial products. Through our tailored advice and experienced guidance, we deliver sound financial principles and robust planning strategies.

Speak to our Financial Services specialists.
If you’re seeking independent advice and support regarding your financial matters, contact our experienced Financial Services team in Essex for a confidential, personal service built around your ambitions.
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Comprehensive services to support you

You work hard for your money, so you want it to work hard for you. Our investment strategies are designed to help you achieve your goals, both short-term and in the future.

We start by assessing your attitude to risk. By asking some simple questions to establish whether you are willing to take bigger risks with your money and achieve potentially greater rewards, or whether you prefer a return that is likely to be lower but with greater security, we determine your unique risk profile.

We then match investments with your attitude to risk, ensuring the products and funds chosen fit your ambitions. We commit to building a long-term relationship with you and can, if required, review your investment strategy on an ongoing basis, tailoring it to suit any changes in your circumstances. 

Most of us want to know that when we are no longer around, we will be able to take care of the people we love by passing on the wealth we have worked so hard to accumulate. You want to maximise how much your beneficiaries receive by organising your affairs in the most tax-efficient way, while ensuring your own financial needs are taken care of during retirement and old age.

Our estate planning solutions advise you on creating a well-drafted, tax-efficient will that meets your goals, as well as identifying opportunities to minimise the Inheritance Tax (IHT) on your estate, including lifetime gifts.

We can also assist with ‘whole of life’ insurance policies, which can help offset significant IHT bills in future, and trusts that can protect the assets you plan to give to future generations. Whatever the size of your estate, RLFS can advise on opportunities to pass on your assets more effectively.

It’s never too early to start thinking about your financial security in later life. RLFS can help with the complexities of retirement and pension planning, setting your path to a sound financial future.

Pensions are more flexible than ever, from simple individual pensions to more complex schemes such as income drawdown and self-invested personal pensions (SIPPs). There are also other saving and investment opportunities available to supplement your retirement income, which we will recommend based on your circumstances and attitude to risk.

Alongside pension planning, if you are in business RLFS helps you plan your exit strategy in a tax-efficient manner.

In addition, we care about giving you peace of mind in case of ill health, advising you on long-term care and medical insurance options. However RLFS helps you, we aim to make sure your portfolio keeps pace with your changing needs, while keeping you informed of new opportunities.

When thinking about your finances, you must consider how best to protect yourself and your family against all the most serious risks that you face.

By reviewing your existing arrangements, RLFS help you decide on the right level of insurance and the appropriate types of cover for your circumstances. Our expertise covers life assurance, critical illness cover and payment protection cover, to ensure you meet mortgage repayments if you suffer an accident, sickness or unemployment or are unable to work.

If you are in business, we can assist you in putting protection policies in place, including cover against the death or illness of key staff or shareholders.


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