Our Story
My name is Richard Holmes.
I help people who are heading towards retirement get their financial house in order, so they can achieve financial independence, make work optional and live the life they want to live without fear of ever running out of money.
I’m a fully UK and European Qualified Financial Planner. I've worked as a Financial Planner for 28 years, most of that time spent helping fellow expats.
I’m originally from Birmingham, and have lived in Budapest since 2001.
Away from work
Married with two children, most of my time away from work is happily devoted to my family.
I Like
Being outdoors, hiking, cycling, and skiing.
Reading, listening to music and podcasts, relaxing on the sofa watching movies and Netflix, good food, and good wine.
If you were to ask me what I can do for you. I would tell you that I can't guarantee I can help you, but assuming I could I would reply something like this...
I can help you make sense of your financial situation now, and help you achieve the life you want in the future. To do this I wear three hats, which are...
Life Planner
Life is not a rehearsal, precious time is slipping away, my job therefore is to identify exactly what sort of life you want to live, and the type of lifestyle you want to enjoy during the time you’ve got left on this planet.
Financial Planner
With the aid of our financial planning software, I will show you where you are heading financially, and help answer life’s big questions, such as:
Are we going to be OK?
When can I retire or slow down?
How much is enough?
Do I have enough already?
At this stage we'll also explore what you need to be doing now in order that you don't run out of money later. And we will interactively build your road-map to financial independence and peace of mind.
Financial Adviser
Most advisers only wear one hat, the Financial Adviser hat. This is because they are more interested in your money than they are in you. I believe this is the wrong approach.
By wearing three hats we go the extra mile. By really getting to understand you and what you want from life, we can help you achieve the best life possible with money that you have.
At this stage if the needs of your Financial Plan dictate that Financial Advice is needed around pensions and portfolios etc. Any advice given will be of the highest quality because it will be totally relevant to you, based on what really matters to you, on what you are trying to achieve with the rest of your life, and not driven by any need to try to engineer the sale of a financial product.
Richard Holmes DipPFS
Principal & Financial Planner
