Our Story
Welcome
At Factor, financial planning starts with real life.Â
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Before we talk about pensions, investments or tax, we take time to understand what matters to you, what has changed, what feels uncertain, and what you want your money to help make possible.Â
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For some clients, that means planning for life after work. For others, it means protecting family, simplifying finances, making decisions after receiving compensation, or finding a calmer way forward after difficult life events.Â
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Our role is to bring clarity, care and practical advice, so you can make decisions with more confidence and less noise.
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Sam Richards
Founder
"We take the time to understand what matters to you, then build your financial plan around it"
Sam Richards
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Expertise from someone you can trustÂ
Financial advice is personal. You are not just handing over numbers. You are sharing your plans, your worries, your family circumstances and the decisions that matter most.
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That is why trust sits at the heart of good financial planning.
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Experience and technical knowledge matter, but so does the way advice is delivered. You should feel listened to, understood and able to ask questions without feeling rushed or overwhelmed.
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Our role is to bring clear thinking, professional judgement and practical guidance, so you can make important financial decisions with confidence, knowing there is someone alongside you who understands the bigger picture.
Financial advice is personal. You are not just handing over numbers. You are sharing your plans, your worries, your family circumstances and the decisions that matter most.
​
That is why trust sits at the heart of good financial planning.
​
Experience and technical knowledge matter, but so does the way advice is delivered. You should feel listened to, understood and able to ask questions without feeling rushed or overwhelmed.
​
Our role is to bring clear thinking, professional judgement and practical guidance, so you can make important financial decisions with confidence, knowing there is someone alongside you who understands the bigger picture.
Why people choose Factor
Good financial planning is about far more than money. It's about making confident decisions, feeling organised, protecting the people you love, and having the reassurance to enjoy life knowing your future is being looked after.
Planning for your family's future
Good financial planning is not just about looking after your own future. It can also be about supporting the people you care about and thinking carefully about what you would like to pass on.
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That might mean helping children or grandchildren during your lifetime, planning how wealth could move between generations, or making sure as much as possible ultimately goes to the people you choose rather than being lost unnecessarily to tax.
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We can help you think through gifting, inheritance tax, your wider estate and the different ways of passing money on, while making sure your own financial security remains at the heart of the plan.
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Our role is to help you put practical plans in place so your money can support your family today, tomorrow and for generations to come.
Reassurance from knowing you are on track
One of the most valuable parts of financial planning is the reassurance it can bring.
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Many people have worked hard, saved carefully and made sensible decisions, but still find themselves wondering whether they are doing enough, whether they can afford to slow down, or whether their plans will hold up if life changes.
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Good planning helps answer those questions.
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It gives you a clearer view of where you are now, where you want to get to, and whether your money is working in the right way to support the life you want to live.
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Our role is to help you see the path more clearly, make adjustments when needed, and feel more confident that you are moving in the right direction.
One of the most valuable parts of financial planning is the reassurance it can bring.
​
Many people have worked hard, saved carefully and made sensible decisions, but still find themselves wondering whether they are doing enough, whether they can afford to slow down, or whether their plans will hold up if life changes.
Â
Good planning helps answer those questions.
Â
It gives you a clearer view of where you are now, where you want to get to, and whether your money is working in the right way to support the life you want to live.
​
Our role is to help you see the path more clearly, make adjustments when needed, and feel more confident that you are moving in the right direction.
01
We listen first
Good advice starts with understanding your life, not just your money.Â
How we work
02
We make things clearÂ
We explain your options clearly and in plain English, without jargon or unnecessary complexity.Â
03
We plan around what mattersÂ
We build your plan around your values, your family, your future and the life you want to live.
04
We stay with youÂ
Life changes, and your financial plan should change with it. We stay alongside you, helping you adjust and make confident decisions as things evolve.