Adviser Profile - Richard Bowyer Adv Dip FP , LRS, AEPS
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Experience
Richard is Delivering Certainty's Principal and Senior Risk Adviser. Having worked in the financial planning profession for over 25 years, including running his own successful business in the UK for 15 years, Richard advises both personal & business clients regarding their risk protection needs. Richard is a true risk specialist, who believes that a client's wealth protection should be managed by a dedicated risk adviser rather than a generalist financial planner. As well as achieving the financial planning qualification, the Advanced Diploma of Financial Planning, Richard is committed to ongoing education as the cornerstone to providing professional, relevant advice to his clients. He has recently achieved two significant risk-specific designations to enhance the quality of his advice, namely: LRS - Life Risk Specialist AEPS - Accredited Estate Planning Specialist (Dux of Year) Both these accreditations were achieved via the Financial Planning Association. The latter qualification emphasises Richard's view of wealth protection, which is to provide The Right Funds, into The Right Hands, at The Right Time. Only by implementing on both a client's Risk and Estate Planning requirements can you truly deliver the certainty a client requires. |
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Core Expertise
The creation of holistic wealth protection strategies for individuals, families & business owners, utilising a blend of policies :
- Life Cover.
- Total and Permanent Disablement Cover.
- Income Protection Cover.
- Trauma (or Critical Illness) Cover.
These strategies are built around the client's individual circumstances, goals and objectives in order to create an efficient, common sense approach to protecting those areas of the client's life that are most important to them
Click Here to find out more on the types of cover an individual or family should consider.
The creation of holistic wealth protection strategies for individuals, families & business owners, utilising a blend of policies :
- Life Cover.
- Total and Permanent Disablement Cover.
- Income Protection Cover.
- Trauma (or Critical Illness) Cover.
These strategies are built around the client's individual circumstances, goals and objectives in order to create an efficient, common sense approach to protecting those areas of the client's life that are most important to them
Click Here to find out more on the types of cover an individual or family should consider.
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Specialist Expertise
Estate Planning - We review clients' existing estate planning arrangements to ensure they continue meet their needs and objectives. - We connect the client with legal professionals and continue to offer assistance throughout the advice process. - We ensure that any agreed solutions are seen through to implementation. Click Here to find out more on the importance of establishing an appropriate estate plan. |
Business Protection and Succession Planning - We act as project manager to ensure the correct implementation of buy/sell arrangements. - We advise on and arrange Buy/Sell & share purchase protection cover. - We advise on business loan protection cover. - We advise and implement Key Person protection strategies. Click Here to find out more on the types of cover privately owned business should consider. |