Richard Boyd, Director at FP

What is your role at Fresh Perspective Financial Planning?

“As a financial planner I help clients plan for their financial future throughout the various stages of their lives. Clients really fall in two categories: Those in the ‘accumulation’ stage and looking to build their wealth whilst juggling current expenditure; and those that have already reached retirement and want to ensure they can afford to maintain their lifestyles, where planning tends to be more about protecting their accumulated wealth. In simple terms my principal role is to build the appropriate investment strategy for each client’s objectives, appetite for risk and tax position; and crucially, structuring investments to maximise tax efficiency.”

What are your qualifications?

“Similarly to Will I am a Chartered Financial Planner, I also hold the Certified Financial Planning qualification through the Institute of Financial Planning and the Investment Management Certificate (IMC). I have a Financial Services degree and over 14 years’ experience of Financial Planning and Investment Management, advising high net worth clients. Most of this time was spent at BDO Stoy Hayward and Duncan Lawrie Private Bank in London and Bristol.”

Fresh Perspective Financial Planning is a Chartered Financial Planning firm – tell us about that.
“Being a firm of Chartered Financial Planners helps demonstrate that we want to be, and to stay, at the very top of the financial planning profession. It helps signify a commitment to academic achievement, continuing professional development and adherence to a strict code of ethics. All this is intended to benefit our clients by allowing them to relax knowing that they are being well served.”
What attracted you to the financial services industry?

“I always had a strong interest in investments and from a relatively early age wished to pursue it as a career. Having spent a year with a financial advisory firm during a ‘sandwich year’ at university I realised that investment management without financial planning was of limited benefit. Much more value can be added to clients by helping them to plan and structure their finances. I found this far more rewarding and interesting than standalone investment management.”

...And what about your sense of adventure?

“To be perfectly honest having a family of three young children and a wife who also works leaves limited time for adventure. I enjoy most sports, particularly Cricket, Rugby, Golf and Tennis. These days this is more armchair viewing rather than as an active participant, but I am a member of Kingsdown Golf Club and will go and watch Bath Rugby at every opportunity. I have a keen interest in wine, predominantly French, and venture to the ‘new world’ only when feeling adventurous!”

What has been the biggest influence on your career to date?

“My first job after university was at a large Financial Advisers where I initially supported five advisers as a researcher and report writer. I was shocked at how the industry seemed to be all about product sales and commission generation rather than client focused advice. Whilst I knew that this was not necessarily reflective of the whole market I sensed there was an opportunity to do things in a better way! From there I moved to an accountancy firm which provided fee based advice and I focused on gaining the highest levels of professional qualifications, as quickly as possible.”

Direct contact details:
t: 01249 700405
m: 07970 791849

Richard’s LinkedIn profile  linkedin

See also: Will Driver, Director at FP
“My time is spent truly getting to know my clients, their full financial position, their goals and ambitions, their needs and objectives, and turning all of this information into a suitable strategy for managing their finances.”