• Radical Solutions

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    We provide a full range of independent financial advice to both corporate and private clients. Being Independent means that we are not restricted or biased to the range of advice we can give.
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  • Independent Advice

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    We present our recommendations after we have assessed your needs and considered all options. Our recommendations are based on comprehensive and fair analysis of the market. This means that your specific needs are being met in a totally impartial manner.
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  • How we work

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    Here at Radical Financial Services we have a defined structure so that you know what to expect and how we will work with you. Obviously we are always available to discuss your requirements at anytime, but you can be assured of our upmost attention. We commit to the following process for each enquiry you may have:-
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The company was founded in 1992 by Derek Richings. He retired on the 15th of July 2010.
It is now solely managed by Henry Sappor. It is an Independent Financial Adviser Practice authorised to advise on the full range of financial products

Henry has been in the Financial Services Industry for over 20 years. He is a graduate of Accounting and Finance (B.A Hons.). He is also a Chartered Financial Planner (AFPS), which is the gold standard professional qualification that every financial advisor should achieve. Henry holds specialist certificates in Mortgages (CeMap), Equity Release (ER1) and Long term Care Planning (CF8).

The majority of our advice is to those in or near retirement.
We are beginning to reach out to the younger generation, as they stand to benefit more in retirement if they plan early.

Henry can also  give advice on Equity Release >Life Time Mortgage / Home Reversion Plan.

Equity release may require a lifetime mortgage or home reversion  plan. To understand the features and risks, ask for a personalised illustration.

We try to keep our overheads as low as possible in order to remain competitive on our fees and charges.

Radical Finance

Our Privacy Policy can be read and downloaded by clicking HERE

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We meet clients in their place of choice and at a day and time that suits them.

Our practice has one Independent Financial Adviser (IFA), Henry Sappor. Henry is a chartered financial planner with more than 20 years experience in the Financial Services Industry.

Pension have seen a lot of regulatory changes in recent years. People are living longer and need more money to sustain them in retirement. The state pension is unlikely to be sufficient to maintain the life style most people in retirement are used to. From April 2015, those of qualifying age 55(rising to 57 from 2028)  with an accumulated defined contribution pension fund are no longer  restricted as to how much lump sum they can draw. This freedom, has to be taken with caution as there could be consequences. Those in the process of divorce may need to share their pension fund as part of asset settlement. These and many more will require good specialist/professional advice.

A PENSION IS A LONG TERM INVESTMENT THE FUND VALUE MAY FLUCTUATE AND CAN GO DOWN. YOUR EVENTUAL INCOME MAY DEPEND UPON THE SIZE OF THE FUND AT RETIREMENT, FUTURE INTEREST RATES AND TAX LEGISLATION.

Investments that are aimed especially for above average growth carry different level of risks. Our role is to help you minimise risks based on your attitude to risk and your capacity for loss. Ethical investment is growing in popularity as people are becoming more concerned about the environment, moral, religious and health issues. We have the experience and top qualification on investment advice. As an IFA practice, we consider all available options before making our recommendation(s).

THE VALUE OF INVESTMENTS AND INCOME FROM THEM MAY GO DOWN. YOU MAY NOT GET BACK THE ORIGINAL AMOUNT INVESTED.

Protection is so important when you have dependants and debts. Here, the priority should be to protect your income, in case you die or you are unable to work due to long term illness. Everyone should consider private medical care and long term care plans. We have a specialist with the relevant qualification (CF8) and experience in long term care planning.

Long term care planning is an area that we can help. As we get older, it becomes a concern on what it will cost us, should we need to be looked after either in a residential care home or in our own home. It is important to plan early, and it is important to see a specialist. Henry holds the specialist qualification (CF8).

Equity release could be an option for those in retirement with equity on their property but struggling to make ends meet. It is important to seek a specialist advice before embarking on such option. Henry holds the specialist certificate (ER1).

Equity release may involve a lifetime mortgage or a home reversion plan. To understand the features and risks, ask for a personalised illustration.

Estate Planning is important in ensuring that your assets are passed on to those you want to have them, and that you are able to arrange them in a tax efficient manner, thereby avoiding or mitigating potential Inheritance Tax liabilities. Again it is important to seek professional advice.

TAX TREATMENT IS BASED ON INDIVIDUAL CIRCUMSTANCES AND MAY BE SUBJECT TO CHANGE IN THE FUTURE.

The Financial Conduct Authority does not regulate Tax Planning

The  Mortgage Market Review (MMR) rules have made it ever more difficult to secure a mortgage as lenders are applying varied criteria to establish affordability. We can help here.

A Mortgage is a loan secured against your Home. Your home may be repossessed if you do not keep up repayments on your Mortgage or any other debt secured on it.

 

 

Other Services

We also offer advice on all of the following services. Please contact us to discuss your requirements.

 

Annuities (pension income provision)

Retirement Options

Savings and Investments

ISa’s

Life Assurance

Critical Illness and Income Protection

Long term Care Planning

Equity Release > Lifetime Mortgage / Home Reversion Plan

Estate Planning

Mortgages

 

Radical Financial Services Limited  is an Appointed Representative of Tenet Connect Limited which is authorised and regulated by the Financial Conduct Authority.

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Radical Financial Services Ltd is an appointed representative of TenetConnect Limited, which is authorised and regulated by the Financial Conduct Authority.
TenetConnect Limited is entered on the Financial Services Register (www.fca.org.uk/register) under reference 149826.
Radical Financial Services Ltd is registered in England and Wales under registration number 04448204. Registered office and trading address: 376 Wood End Road, Wednesfield, Wolverhampton, West Midlands, WV11 1YD.
The information contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK.
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