I'm Richard Murray, a UK-based financial adviser with a strong belief that good financial advice should be built on trust, clarity and long-term relationships. I founded R M S Financial Limited in 2016 to create a business that puts people first — not products — and delivers advice that genuinely helps clients feel confident about their financial future.

My approach is centred on taking the time to understand what truly matters to each client. I listen carefully, explain things clearly, and use practical plans focused on protection, retirement and long-term financial security. Every recommendation is shaped around individual goals, circumstances and attitudes to risk.

I believe financial planning should reduce worry and uncertainty, not add to it. That's why I focus on clear communication, ongoing support and a long-term view, helping clients make informed decisions at every stage of life.

The values that guide my work are integrity, transparency and always doing the right thing for clients — even when that means taking a longer-term approach. Trust is central to everything I do, and I'm proud of the strong, lasting relationships I've built with clients and professional partners over the years.