Financialadvisercumbria

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Financialadvisercumbria Quilter Financial Advisers are professional financial advisers, We act in your best interests at all times.

I am backed by the extensive knowledge and experience of Quilter Financial Advisers, one of the most-respected financial advice companies in the UK. We've been working with successful individuals, business owners and entrepreneurs for more than a decade providing guidance and support through the complexities of financial planning. By understanding your needs, we can develop effective strategies to build, maintain and preserve your wealth and assets; strategies that deliver throughout your life and adapt to meet your ever-changing needs. We are one of the largest providers of expert financial advice in the UK. Tens of thousands of people around the country trust us to make their money work harder. Our success is built both on the quality of our advice and our strong local presence. Clients of Quilter Financial Advisers continue to prosper with the reassurance of being part of a trustworthy, recognisable FTSE listed business. This includes investment research and best practice, and specialist knowledge on pension transfers.
build, maintain and preserve your wealth and assets; strategies that deliver throughout your life and adapt to meet your ever-changing needs. We are one of the largest providers of expert financial advice in the UK. Tens of thousands of people around the country trust us to make their money work harder. Our success is built both on the quality of our advice and our strong local presence. Clients of Quilter Financial Advisers continue to prosper with the reassurance of being part of a trustworthy, recognisable FTSE listed business. This includes investment research and best practice, and specialist knowledge on pension transfers.

Something new is on its way.After 20 years of sitting across the table from people approaching retirement, I've noticed ...
18/10/2026

Something new is on its way.

After 20 years of sitting across the table from people approaching retirement, I've noticed something. The numbers are rarely the whole story. Often it's the feelings that people find hardest to talk about.

So I've written a new book about exactly that: "Retirement: It's Emotional" (The Emotional Journey Before, During and After Retirement).

It's a follow-up to "Retirement: It's Personal", and it's out on Friday 30th October.

Over the next couple of weeks I'll share a few of the ideas inside. If you're thinking about retirement, or already there, I hope you'll find them reassuring.

Have you felt more emotional about retirement than you expected? I'd love to hear in the comments.

General information only, not personal advice. If you'd ever like a no-pressure chat, you can book here: https://calendly.com/appointments-financialadvisercumbria/30min

15/09/2026

The office doesn’t wake itself up… doors open, lights on and the meeting room ready before the first client arrives.

Then it’s straight into emails, reviews and meetings—helping clients understand their finances and plan for what comes next.

Follow along for a little look behind the scenes at life as a financial adviser.

10/09/2026

Pleased to have my latest article featured in in-Cumbria, looking at an issue I see far too often — business owners leaving their exit planning until it’s too late.

You can spend decades building a successful business, but without a clear plan for how and when you eventually step away, you can risk limiting your options and potentially the value you’ve worked so hard to create.

Exit planning isn’t simply something to think about when retirement is around the corner. Starting the conversation earlier can give you more choice, more time to prepare and a much clearer picture of what the next chapter could look like.

If you own a business and haven’t yet thought seriously about your exit strategy, my latest column is worth a read.

👇 Read the full article here:

https://www.in-cumbria.com/news/26462836.column-businessowners-leave-exit-plans-far-late/

Is your Cumbria pension ready? 📌Many people near retirement have done the hard work. The missing piece is knowing whethe...
13/08/2026

Is your Cumbria pension ready? 📌

Many people near retirement have done the hard work. The missing piece is knowing whether their income will last.

I help clients aged 55+ make sense of pensions, tax, and drawdown with clear, independent advice.

If you would like a straightforward conversation about your options, book here: https://calendly.com/appointments-financialadvisercumbria/30min

☕ Some of the most important financial conversations happen over a coffee.Whether it's deciding when to take your pensio...
11/08/2026

☕ Some of the most important financial conversations happen over a coffee.

Whether it's deciding when to take your pension, how to structure your income, or simply asking 'Can I afford to stop working?' — the questions that matter most are worth taking the time to think through properly.

That's the thinking behind 'Retirement: It's Personal.' It's not a dry financial textbook. It's a practical, honest guide to help you approach retirement with clarity and confidence.

💡 A few things readers have said it helped them with:
➡️ Understanding their options — without the jargon
➡️ Thinking about retirement as a lifestyle decision, not just a financial one
➡️ Having better, more focused conversations with their adviser

Ready to take the next step? Book a complimentary consultation and let's talk through your plans:
https://calendly.com/appointments-financialadvisercumbria/30min

📖 Available on Amazon: www.amazon.co.uk/dp/1917623275

Retirement confidence starts with local insight. Wondering if your pension will last? Unsure how to make the most of you...
26/07/2026

Retirement confidence starts with local insight.

Wondering if your pension will last? Unsure how to make the most of your savings?

With 20+ years advising Cumbria’s retirees, I specialise in turning complex decisions into clear, personalised plans.

Book your complimentary retirement review and get answers tailored to you.

https://calendly.com/appointments-financialadvisercumbria/30min

"Can I afford to retire?"It's the question I hear more than any other. And the honest answer is — it's never just about ...
23/07/2026

"Can I afford to retire?"

It's the question I hear more than any other. And the honest answer is — it's never just about the money.

In my book, Retirement: It's Personal, I work through everything that goes into that decision:

💰 The financial side — pensions, drawdown, tax-free cash, income planning
❤️ The emotional side — fear of running out, identity, what work actually gives you
🌅 The lifestyle side — what you actually want your retirement to look like day to day

If you're in your 50s or 60s and that question is on your mind, the book might be exactly what you need.

Available now on Amazon: www.amazon.co.uk/dp/1917623275
Find out more: www.richardcakans.co.uk

Or if you'd like to talk it through with me directly, book a free initial meeting here: https://calendly.com/appointments-financialadvisercumbria/30min

Worried your pension won’t last? Many people feel unsure about turning savings into a steady retirement income. The opti...
22/07/2026

Worried your pension won’t last?

Many people feel unsure about turning savings into a steady retirement income. The options can seem overwhelming.

I help you break it down, step by step. No jargon. No pressure. Just clear, independent advice tailored to your goals.

Ready for clarity? Book a complimentary chat with me today: https://calendly.com/appointments-financialadvisercumbria/30min

🌅 Your retirement journey can be simpler than you think.

Real people. Real confidence. Real retirement results.Ever wondered how it feels to retire with certainty? Hear how besp...
21/07/2026

Real people. Real confidence. Real retirement results.

Ever wondered how it feels to retire with certainty? Hear how bespoke advice gave one local couple total peace of mind.

Their story proves that independent, personalised planning can turn retirement worries into confidence and freedom. Curious what your own plan could look like?

Book your complimentary review today: https://calendly.com/appointments-financialadvisercumbria/30min 🍃

I wrote this book because I've spent over 20 years sitting across from people who have done everything right on paper — ...
20/07/2026

I wrote this book because I've spent over 20 years sitting across from people who have done everything right on paper — but still aren't sure if they can retire.

The problem isn't usually the money. It's the clarity and confidence.

In the book, I cover the three things that have to work together before retirement makes sense:

✅ Money — what you have, what you need, and how to turn your pensions into a sustainable income
✅ Emotions — the fears, the guilt, the deeper questions behind "am I ready?"
✅ Lifestyle — what you actually want your days and years to look like

If you're in your 50s or 60s and retirement is on your radar, this is the book I wish every client could read before our first meeting.

Find out more at www.richardcakans.co.uk or grab a copy on Amazon: www.amazon.co.uk/dp/1917623275

Book a free initial consultation here: https://calendly.com/appointments-financialadvisercumbria/30min

Address

Hetherington House
Wigton
CA79BA

Opening Hours

Monday 8:30am - 5:30pm
Tuesday 8:30am - 5:30pm
Wednesday 8:30am - 5:30pm
Thursday 8:30am - 5:30pm
Friday 8:30am - 5:30pm

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