Pensions uncovered by Richard Woodwards IFA
- 24th April 2013
- Author: Elaine C
- 0 Comments
Independent Financial Adviser Richard Woodwards from Foster Denovo gives us an insight into the emotive topic of pensions....
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Sudbury
about us
Serving Haverhill, Sudbury and all of the surrounding areas, Richard Woodwards from Foster Denovo Limited has carved a reputation as one of the region's leading holistic independent financial advisors, offering tailored, impartial advice on insurances, pensions and investments, designed to help protect your family and aiming to secure your financial future.
Protecting the things of value - yourself, your family, property, car, money and your health - makes absolute sense. And yet many of us only take out insurance because it's a legal requirement.
So what about the things that are so much more important than four walls or wheels? What about ensuring that your family is looked after once you're gone, or that your hard-earned money is not just sitting in a bank but making you more money?
The Foster Denovo Group is an innovative, values-based financial business, with a network of firms and independent financial advisors spanning the UK. It prides itself on its reputation for exceptional client experience, and is 'a company built on trust'.
Living in Sudbury but with many clients in Haverhill and the surrounding areas, Richard Woodwards is a holistic financial advisor, who is licensed to advise on all aspects of financial advice. Working predominantly with individuals, he specialises in investments, helping his clients obtain wealth through:
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Tax free ISAs
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Capital protected investments
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Unit trusts and OEICs
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EIS/VCTs
However, as part of Foster Denovo Limited, he is part of a trusted network of financial advisors with their own niche specialities, enabling him to offer:
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Pensions
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Life insurance
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Critical illness cover
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Vehicle insurance
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Building and contents insurance
Investments
Richard explains, "When it comes to investments, it always comes down to the individual's choice. Money is a very personal, emotive subject - my clients have either worked very hard to get to the point where they are in a position where they are ready to invest, or have perhaps been left money by a loved one.
"Before we start talking about types of investments we could look at, I carry out a risk profile to ascertain their short and long terms needs and expectations. We look at how long they can invest the money for, whether they are looking for growth or income, and the impact that any loss of money would have.
"My job is to look after my clients' money on a day-to-day basis, reacting to the market and helping them create a diverse portfolio of investments. I understand that people can panic if the market drops, so I'm always available to offer advice and reassurance, and aim to help them make the right decision in order to safeguard their money."
Richard continues, "I recently heard a quote - 'Live a life of significance'. I am incredibly lucky to be in a position where I can change people's lives, protecting them and their loved ones, and helping them secure a better, more comfortable financial future."
Contact Foster Denovo Limited
Please call Richard Woodwards on 01440 869539 for further information about investments and protection.
Please remember to mention The Best of Haverhill when contacting Richard Woodwards from Foster Denovo Limited.
The value of your investment can go down as well as up and you may not get back the full amount invested
© The Best of Haverhill
Wills and Trusts uncovered by Richard Woodwards, IFA
- 7th March 2013
- Author: Elaine C
- 0 Comments
Our bestof Haverhill Independent Financial Adviser, Richard Woodwards from Foster Denovo, explores the exciting topic of Wills and Trusts in his monthly blog spot....
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Wise words on Savings and Investments from IFA Richard Woodwards
- 4th February 2013
- Author: Elaine C
- 0 Comments
Looking at savings and investments we are now coming up to ISA season, when hopefully you will all be either rushing to take advantage of any allowances missed, or using up your allowances in the new tax year....
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Gender equalisation - how will it affect you?
- 4th February 2013
- Author: Elaine C
- 0 Comments
Independent Financial Advisor Richard Woodwards, from Foster Denovo takes a look at the latest legislation from the EU - the EU Gender directive which took effect from 1st January 2013....
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Changes to Pensions and Retirement Planning
- 11th October 2012
- Author: Elaine C
- 0 Comments
Financial adviser Richard Woodwards from Foster Denovo explains the changes to pensions and retirement planning that came into effect on 1st October 2012....
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Long Term Care - the options.
- 21st September 2012
- Author: Elaine C
- 0 Comments
Independent financial adviser Richard Woodwards from Foster Denovo looks at some of the facts surrounding Long Term and the options available....
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Financial planning advice from Richard Woodwards
- 10th July 2012
- Author: Elaine C
- 0 Comments
Whilst death and critical illness are quite the conversation killer we do need to consider the impact on our family if something happened to us....
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Financial Planning Tips
- 21st May 2012
- Author: Elaine C
- 0 Comments
An insight into Investments and Savings from local Independent Financial Planner and bestofhaverhill business member - Richard Woodwards from Foster Denovo....
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latest reviews
I am writing to say how grateful we both were for your efficient manner in dealing with our pensions. The timescale was so tight I did not think it would be possible but you made it very easy for us. We also felt reassured by the way you kept us informed of your progress with the various financial companies, and also how you chased up anything that was holding up the process. I would not hesitate to recommend you.
I have always found Richard helpful especially as I am not the cleverest in financial matters! He has always been prompt with our 6 monthly reviews and taken care to explain when I don't fully understand. He has looked after my money well and is always there to help, when needed
My wife and I have known Richard for over 5 years now and he has been a most trusted adviser. He has never once let us down and has always carried out whatever he has promised to do.. and more. He has helped my wife and I with our savings, investments and pensions. He is always available should we need him and regularly comes to see us to review our circumstances and make sure what we have is current and still suiting our needs. Through his knowledge he is able to keep us uptodate with what is happening in the marketplace and the wider global economy and is able to advise us on saving tax whilst maximising returns without taking unnecessary risk. His visits are always an occasion and we would have no hesitation in recommending his services to anyone.
Richard Woodwards has advised me regarding savings and investments for several years now, including his time as an adviser with Barclays Bank. I look forward to his regular visits and have real and implicit trust in his judgement and advice; he is a rock of reliability in these times of difficulty and insecurity. I am very grateful both to Richard and Foster Denovo for the provision of sound finanical services.
I am very pleased to be able to supply this testimonial for Richard Woodwards. Richard has been advising my wife and I on financial matters for the best part of 15 years. In this time I have been very pleased with the advice and guidance he has offered. He explains matters of a financial nature in a way that is easily understood. Explaining and advising on the level of risk etc on any proposed investments. I would have no hesitation in recommending him to you as trustworthy and extremely competent in any financial advice offered.
I feel very confident that our funds are wisely invested. One of our investments is giving unbelievable returns (over 30%). I know that I can plan my day around the appointment time as he is always on time. Regarding my investments, Richard makes âa difficult subject easy to understandâ.
Richard Woodwards has been our financial advisor for around four years. He is eminently reliable and friendly; and he is always willing to give more of his expected time and energy to fully explain the performance of our investments. Importantly, we are pleased with his ability to keep our ship afloat in the troubled waters that is the present financial climate. He inspires confidence and we commend him without reservation.
I have known Richard since I first started to bank with Barclays. He set up my financial portfolio. I was impressed by his professionalism and by the fact that he was very understanding and patient about my aims and in dealing with any questions I raised. When he left Barclays he contacted me offering his services as an independent financial adviser. I was pleased to accept his services based on my previous dealings with him. Since then he has helped me to maintain and build my portfolio. I have found his advice invaluable. He is also very punctual at our meetings and makes a point of keeping me regularly updated on any relevant developments.
I first met Richard at Barclays when I needed a Financial Advisor. He is helpful and understanding and puts you at ease. He is friendly and honest and I am so thankful for what he does for me.
Richard is my financial advisor. He is a very pleasant person, helpful and kind. He explains what's happening in a that you can understand. I am very satisfied with the way he has helped me, he is sincere and honest.