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Google Rating
4.9
Based on 73 reviews
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Richard Heap

Location: Manchester, Birmingham, Newcastle , Bristol, Leeds, Liverpool

Medics Money Verified

Free initial first consultation


Review
I''m a IFA and as a doctor in the NHS, you have a demanding and rewarding career that requires a significant investment of time and energy. Along with the fulfilment that comes with helping others, you also need to plan for your own financial future. I have been providing holistic financial advice to doctors like you for over 30 years, and I understand the unique financial challenges you face. One of the biggest concerns for many doctors is the NHS pension scheme. I specialise in helping doctors make the most of their pensions, offering guidance on everything from pension contributions and tax implications to retirement planning, wealth management and protection of income including providing for the family in the event of death or critical illness. I will also help you navigate the complexities of the NHS pension scheme and provide you with the information you need to make informed decisions about your financial future. I believe in a personalised approach to financial planning, which is why I will work with you to create a customised financial plan that takes into account your specific goals, income, and investment portfolio. Whether you're just starting out in your career or preparing for retirement. I will help you make the most of your financial wellbeing by assisting you with the following: • Contribution planning: help with determining the best strategy for maximising your contributions to the NHS pension scheme, taking into account your current financial situation, future goals and taxation status. • Tax implications: The NHS pension scheme has tax implications that you need to be aware of, I will help you understand the potential tax benefits and drawbacks of your contributions. • Retirement planning: working with you to create a retirement plan that takes into account your current income, assets, and expected expenses in retirement. I’ll help you determine the right mix of savings and investment strategies to help you achieve your goals. • Wealth management: Help you to manage your wealth, including your NHS pension and other investments, to help you reach your financial goals and ensure a secure financial future. • Will work closely with you to understand your unique financial situation • Develop a plan that is tailored to your needs and goals. Whether you're looking to maximise your contributions to the NHS pension scheme, plan for retirement, or managing your wealth. I believe in providing transparent, straightforward advice that puts your interests first. Abacus Associates Financial Services is a trading style of Tavistock Partners (UK) Limited which is authorised and regulated by the Financial Conduct Authority, FCA number 230342. Tavistock Partners (UK) Limited is a wholly owned subsidiary of Tavistock Investments Plc

Services offered:

  • Estate planning
  • Investment advice
  • Life Insurance and Income protection
  • NHS Pension advice
  • Private Pension advice

Reviews


Richard has been our financial advisor for 15 years and has been excellent. He is very trustworthy and reliable and would not hesitate to recommend him to friends and colleagues

Kate

GP - General Practitioner locum
GP



I cannot recommend Rich highly enough. He took the time to understand our situation and needs, over multiple meetings. Understanding that we'd previously had negative experiences from financial advisor, he has taken care to ensure our concerns are listened to. Where we have money to invest, he found ways of doing this which alligned with our values. This was particularly important to us. He also explained our previous advisor had not been doing their job correctly, which has led to a sizable compensation. Not being financial minded, he also takes time to de-jargon anything we don't understand. This is appreciated. We now have a plan which covers all eventualities, which has provided peace of mind We're looking forward to working with Rich into the future, so we can retire when we want, be comfortable financially, and provide for our children's needs as they grow.

Ed

GP - General Practitioner locum
GP



Helped us choose life insurance, critical illness cover and income protection with plans that work alongside our NHS benefits! Very contactable and happy to meet in the evenings.

George

ST3-ST6
Surgery



Richard became my financial advisor in 2004. Over almost twenty years he has helped me to make the best financial decision for me and my family. He has vast experience working with medical practitioners of all grades and I have learnt so much from Richard. Richard is very accommodating arranging meetings and efficient with paperwork and all communications. He has helped me with house purchasing, remortgaging, savings, income protection, critical illness, life insurance and planning for my children’s future.

Lyndsay

Consultant
Surgery



Extremely knowledgeable on all aspects of independent finance with excellent support on NHS pensions. Expertise and specialist for doctors. I have been with Richard for over 20 years and he has provided excellent advice from mortgages, investments and pensions. Highly recommended.

David

Consultant
Paediatrics and child health



I've been a client of Richard Heap for over 15 years, and I have been extremely happy with his guidance and management over the years. His friendly but professional manner has instilled great trust in his advice. I appreciate his unpushy approach as it allows me to feel relaxed and comfortable in making any financial decisions. He's very knowledgeable about all aspects of wealth management and is always willing to go the extra mile in order to be of help. I would highly recommend him to anyone looking for a financial advisor.

Oliver

GP - General Practitioner locum
GP



Rich was professional and helpful from the outset. He provided free initial assessment and was always ready to provide clear notice of when advice would incur costs plus how much. He understood my financial needs and the finances of medical staff. My questions were specific to retired medics questions which are quite nuanced. I can only recommend him highly

Neil

Consultant
Speciality not listed



I had more information with this advisor in one session than my previous FA from "Chase the Vere" in 3 or 4 years. I feel it has made a difference. My trust is very high, and I feel he is there for me. I am happy to move forward from a good start.

Eduardo

Consultant
Surgery



Trustworthy, reliable and excellent advice. I’ve known Richard for nearly 15 years and he’s always made and saved me money.

Rahul

Consultant
Surgery



Helped me with pension advice, ISA and premium bond advice. Extremely knowledgeable and friendly to talk too. Would recommend to any of my colleagues if they need financial advice.

James

Clinical Fellow
Speciality not listed



Richard has been advising myself and my wife (GP and O&G cons) on all aspects of personal finance for nearly 15 years. His knowledge, experience, communication and all-round ‘common sense’ approach to finance has been invaluable to us, saving and making us thousands during that time. Whether it be personal insurance, the NHS pension scheme, mortgages or investing, Richards wealth of knowledge is unparalleled and I wouldn’t hesitate to recommend him to friends, family and colleagues. We certainly wouldn’t seek an alternative opinion as the piece of mind and reassurance he provides is priceless.

David

GP - General Practitioner locum
GP



Me and partner are expecting our first child . My partner is a student . He helped me to arrange Income protection Insurance which was most suitable efficiently to provide me piece of mind should this ever be needed . Also offered help to regarding a will writing service. Rich is very approachable and responsive and has been able to help me with all my questions so far . I can highly recommend him to other medics as a financial advisor.

Luke

CT1 / ST1
Emergency medicine

Richard Heap Replied: Thank you for your kind words



Rick has been advising us financially for about 20 years, he has always provided us with sound advice whether it has been savings, investments or pension planning. He is approachable and explains things clearly for those of us without a financial background.

Nicola

Consultant
Medical



Rich is a very good, reliable and trustworthy professional. Always available to answer questions and doubts that there may be. I strongly recommend his services

Rute

ST3-ST6
Surgery



Richard has an excellent understanding of the complexities of how NHS doctors are paid and the NHS pensions. He is able to guide and advise on all my financial requirements and I trust his advice and would recommend to anyone

Parvesh

Consultant
Anaesthetics



I have worked with Richard for over a decade now and have always found him to be helpful, goes above and beyond and sorts out all financial matters. He treats you like a friend and works with you in this way. I totally trust his judgement which is always sound well founded. Would not hesitate to recommend him!

Ro

Consultant
Surgery