Providing clarity in wealth management

Tailored finance advice to suit your individual needs.

Plan for you & your family's future with expert support.

Helping business owners with employee benefits & retirement planning.

Meet your independent financial adviser

Hi, I'm Karen Richardson, an independent financial adviser based in the North East of England.

Whatever stage of your financial journey you're at, we're here to help. Our independent financial advice is uniquely tailored to your individual circumstances, so any service you receive from us will be suited to your needs exactly.

Want to chat about getting your finances in order? Click the button below to get in touch or explore the website to learn more about what I do.

Contact Karen

What I Do

Providing financial solutions

In today's economic climate, being prepared for your future when it comes to your finances, is essential. We're here to help you throughout your financial journey.

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Supporting women in business

As women in business, we're passionate about supporting other women in business! We're here to help you work towards the goals that are important to you.

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Employer-based schemes & pensions

With work place pensions now a compulsory requirement, we can help you implement the right scheme for your business and your workforce. As well as providing employee packages help you to attract and maintain your staff.

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Retirement planning

Does retirement fill you with dread? Plan ahead and let's make sure your retirement is a blissful one.

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Saving for your children's future

We can help you to create a financial plan now, so you can help your children to have financial freedom in the future.

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About Karen

Since 1986, I've witnessed a lot of changes in the financial industry regarding regulation, legislation and client requirements across all areas, particularly in the realm of pensions and retirement planning.

As a independent financial adviser, it's my job to to help guide you and your family, providing expert advice as you need it.

Whether you're saving for the future, planning for retirement, investing, purchasing a property, providing for your children's future, we can help with all of those areas and more.

More About Me

GIVING YOU THE ROOTS

FOR FINANCIAL SECURITY

Testimonials

For a long time we hadn’t really felt that we needed a regular financial advisor, however various changes that occurred with regards to our business and our family meant that we needed to take some specific advice on providing differently for our future. Karen is now who we refer to at each stage of our business growth for good solid advice that is tailored to our circumstances and is excellent at keeping us thinking about what we should be considering next, both in the business and personally.

Andrew and Dona Skaife
Karen has provided advice and guidance on a range of financial matters in a clear and easy to understand way. Regular reviews and ongoing support provide a service that you can feel confident about.

Susan Clarke
Karen has been instrumental in helping us to setup a strong financial foundation. As co-directors and a married couple with a child, we really needed someone we could trust to ensure we were putting our money in the right place. Karen helped us setup pensions, ISAs and even a place to save money for our baby. So, I highly recommend working with Karen if you are looking to save money for yours and your children's future.

Ellen & Craig B

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‘KR Financial Services recently reviewed my life insurance, the process was friendly and efficient. Having someone who is completely independent, with a wealth of experience and knowledge who can search whole of market ensured we got the very best cover for our budget. It’s fantastic to find someone local who can explain things in layman’s terms and who I know I can trust with all things financial’

Lisa Brady

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I have no hesitation recommending Karen to discuss your finances with. Karen is very knowledgeable, keeping herself up to date with the latest changes, she is patient and very easy to talk with. Karen always comes up with the best solution to fit your needs.

Helen

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May 2020 update on Corona Virus and your money

By Karen Richardson • May 2, 2020

Can you believe it is already May and we have now been under restrictive movement guidelines for 5 weeks? I do hope everyone is keeping safe and is well, weathering this strange time. More news will be coming from the government in a week or so as to whether this current guideline continues or relaxes a little, but this week we have started to see a little bit of good news in the market that I was keen to share with you. Brewin Dolphin has summed it up brilliantly, so it just seemed sensible to share the document they have released. If you have any questions abut how this affects your investments and pension, then please just get in touch and I'll be happy to talk!

Income Protection

By Karen Richardson • February 2, 2019

The Myths Dispelled

Teen Money

By Karen Richardson • January 2, 2019

Schroders is always a mine of information when it comes to forecasts on the Global economy. I particularly liked this piece. It is the first of a series in which Keith Wade, Chief Economist & Strategist, discusses whether the Goldilocks combination of strong growth and low inflation can continue in 2018.

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Past performance is not an indicator of future performance and since investments can fluctuate in value, you may get back less than you pay in.

Providing clarity in wealth management

Meet your independent financial adviser