Business Details
42 Years
experience
Independent Financial Advisers in Halsall Since 1984
Established in 1984, Richard Bamber has built a reputation as an independent financial services group dedicated to providing tailored advice. Our vision began in Formby Village with a commitment to high-quality, client-focused financial planning, evolving to include specialist expertise in pensions, investments, taxation, and mortgages. We prioritise understanding individual client goals, offering impartial guidance to navigate life's financial challenges, from retirement planning to wealth management. Our team of qualified advisers combines decades of experience with a personalised approach, ensuring solutions align with clients' unique circumstances. We operate under strict regulatory oversight from the Financial Conduct Authority, maintaining transparency and trust in all our services.With a loyal client base spanning generations, we continue to deliver relationship-driven financial strategies that adapt to changing personal and economic landscapes. Our multi-faceted services consolidate diverse financial needs under one roof, simplifying complex decisions for individuals and businesses alike. Committed to continuous improvement, we integrate modern technology with traditional brokerage values to enhance accessibility without compromising service quality. This enduring ethos ensures clients receive both innovation and reliability in their financial planning journey.
Services
Financial Planning
Pensions Advice
Investment Management
Mortgage Solutions
Protection Insurance
Wealth Management
New Build Mortgages
Inheritance Tax Planning
Income Protection
Life Assurance
Details
- Year established: 1984
Highlights and features
- We offer 40 years of independent financial advisory experience since 1984
- Our team includes specialists in pensions, investments, and mortgage planning
- We provide impartial advice across the full spectrum of financial services
- Our FCA-authorised status ensures regulatory compliance and client protection
- We maintain long-term client relationships built on trust and transparency
Associations and certifications
- Financial Conduct Authority
Services
Financial Planning
Our bespoke financial planning service helps clients strategically manage wealth accumulation, preservation, and inheritance. Qualified advisers create tailored roadmaps aligning with life goals, major milestones, and retirement objectives. Regular reviews ensure ongoing alignment with changing personal circumstances and market conditions.
Pensions Advice
We specialise in maximising pension efficiency through tax-advantaged structures, including SIPPs and workplace schemes. Our experts navigate complex regulations to optimise retirement income while addressing state pension integration and annuity considerations.
Investment Management
Our investment specialists construct diversified portfolios using ISAs, unit trusts, and investment bonds. We focus on risk-appropriate asset allocation, regular performance monitoring, and tax-efficient structuring to meet specific financial objectives across different life stages.
Mortgage Solutions
We offer independent mortgage advice covering residential, buy-to-let, and new build properties. Our specialists access the entire market to secure competitive rates, including Help to Buy schemes, while ensuring affordability assessments align with clients' financial situations.
Protection Insurance
We provide comprehensive protection solutions including life assurance, critical illness cover, and income protection. Our advisers ensure appropriate trust structures while balancing coverage needs with affordability for both personal and business requirements.
Questions
What financial services do you specialise in?
We specialise in pensions, investments, mortgage advice, protection insurance, and comprehensive wealth management solutions tailored to individual client needs.
Are you regulated by any financial authorities?
Yes, we are authorised and regulated by the Financial Conduct Authority (FCA) under reference numbers 03650400 and 05053759.
How do you tailor financial advice to individual clients?
Our advisers conduct detailed consultations to understand personal circumstances, then create customised strategies addressing specific financial goals and life stages.
Do you offer new build mortgage advice?
Yes, we have a specialist new build mortgage team with 20+ years' experience offering Help to Buy schemes and 95% mortgage solutions.
What areas do you cover?
Primarily serving Halsall and Lancashire, we provide financial advisory services across North West England with local market expertise.
Reviews (6)
Connor Rafferty
Jan 26, 2021
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Had a great experience buying my first home when using Richard and Bamber, after speaking to a number of mortgage advisors they were able to offer exactly what the others weren't and get me what I wanted. I worked with Sharon F who was always extremely helpful and gave me all the advice I needed throughout the process, definite recommend!
Laura Owens
Dec 28, 2018
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I use this company for my travel insurance and would never go anywhere else. Staff are always so helpful and go above and beyond. I have dealt with Glynn and Michael in the insurance department and they were both extremely helpful and always found the best cover for me at the best prices.
Chrissy Cook
Oct 26, 2018
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Sharon & her team are amazing, I wouldn't use anyone else to get a mortgage. They go above and beyond to get you the best product available for you.
Karen Potter
Dec 12, 2017
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Kevin Miller is my main contact at Richard Bamber and Co. He has organised all my business insurances for the past couple of years and handles the renewal of my policies with efficiency, patience and a smile. A pleasure to deal with.
Johnny Beverton
Jan 15, 2017
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I used Richard Bamber's Mortgage broker services on buying my first property. From the very beginning of our conversations, Liz Smith was understanding, helpful and took a pragmatic approach to our situation (one of us had just started a new job). By no means were we an easy client - Liz helped us navigate a really difficult purchase which unfortunately fell through after multiple price changes that Liz worked tirelessly to navigate. Liz did not give up and falter at any point but instead pushed us on and was patient at all times.
We've now just exchanged on a new property and Liz again worked extremely hard to make our mortgage arrangement an easier process, and at the same time got us a competitive deal which we're very happy with. I have already recommended Liz to anyone that I speak to who is looking to buy a property as the service is excellent.
We've now just exchanged on a new property and Liz again worked extremely hard to make our mortgage arrangement an easier process, and at the same time got us a competitive deal which we're very happy with. I have already recommended Liz to anyone that I speak to who is looking to buy a property as the service is excellent.
Jay Morrow
Dec 01, 2016
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Completely and utterly useless! Think I spent more time on the phone chasing and looking for updates, communication is non existent! Funny enough I called Friday and asked for a call back and today is Thursday, still no call. Look elsewhere for sombody to assist with a mortgage
