I'm Ryan Kingsley, an Independent Financial Adviser in London. I help you make sense of pensions, investments and tax, then build a clear plan around the life you actually want. Whether you're time-poor or knowledge-poor, I handle the planning so you can get on with living.
Your 20s look nothing like your 50s. Good planning anticipates every major life event and makes sure you're ready for each one before it arrives.
As a whole-of-market independent adviser, I have no allegiances to any provider. Every recommendation is purely what is right for you.
See your entire financial future mapped out year by year: income, expenditure, growth, tax and inflation. It answers "Can I afford to retire at 57?" with real numbers, not guesses. We model multiple scenarios so every major decision comes with total confidence.
Tailored portfolios built around your risk profile, time horizon and goals. ISAs, GIAs, offshore bonds, the right wrapper for you, not the one that pays commission.
Consolidating old pensions, maximising contributions, navigating allowances, and modelling exactly when you can stop working.
Life cover, critical illness and income protection, set up correctly in trust so the right people receive the money quickly and free of inheritance tax.
Wills, trusts, Lasting Power of Attorney and strategic gifting to reduce the 40% inheritance tax bill and ensure your wealth passes exactly as you intend.
The most tax-efficient way to extract wealth from your company: director pension contributions, dividends vs salary, Relevant Life policies and Business Property Relief for IHT.
As a CeMAP qualified mortgage broker, I advise on the right mortgage structure alongside your wider financial plan, never in isolation.
Most people don't lack ambition, they lack time and the technical knowledge to navigate an increasingly complex financial world. That's exactly where I come in.
The single most powerful thing I do. A cashflow model maps your whole financial life year by year, income, expenditure, growth, tax and inflation, and answers the question that keeps people up at night: "will I be ok?"
I've built a free, simplified version you can try right now. Move the sliders, see your projection to age 100, and get a feel for what proper planning looks like.
The tool above shows a clean projection. Real life is messier, and that's exactly why professional cashflow planning exists. Here's what a real plan accounts for that a calculator never can.
A boiler replacement. A career break. A parent who needs care. Redundancy at 52. These aren't edge cases, they're life. A robust plan stress-tests your finances before they happen.
A new car every 8 years. Kitchen renovation. Weddings. University costs. Each feels manageable alone, but modelled across a lifetime they shift when you can retire.
£2,000 a month today buys considerably less in 20 years. Real cashflow planning adjusts every figure for inflation, so the numbers reflect what your money will actually buy.
Done strategically, downsizing can be a powerful wealth event. Done reactively under pressure, it rarely goes well. We build it in as an intentional decision.
Residential care in England averages £800 to £1,200 per week. Most people have no plan for it. A proper model projects your likely care needs and protects your estate.
The full new State Pension is worth over £230,000 as an annuity. Knowing when to take it, defer it, and bridge the gap can be worth tens of thousands.
I build detailed, year-by-year projections using professional software, modelling every major life event, stress-testing against market crashes, planning for care costs, and showing you the exact impact of every decision. Then I review it with you every year as life changes.
Most people put it off because it feels complicated, expensive, or only for the wealthy. None of that is true.
The initial consultation is completely free. I charge only when advice is implemented, typically around 1.5% of assets managed. No minimum term, no exit penalties, no hidden costs.
Verify me on the FCA Register and confirm my Statement of Professional Standing on the LIBF website. I also hold Chartered Associate status with the LIBF (London Institute of Banking & Finance), a mark of professional standing held by only a minority of advisers.
I'm not tied to any provider, fund or product. I search the entire market to find what genuinely suits you. A restricted adviser can only recommend from a limited panel. I have no such limits.
Your pension, investments, tax, insurance, mortgage and estate don't exist in isolation. I join them into one cohesive plan so decisions in one area don't create problems in another.
I create financial content for hundreds of thousands of people online. I know how to explain complex topics clearly, and I'll never leave you feeling talked down to or confused.
You don't need to be wealthy to benefit from advice. Getting the right structure in your 20s or 30s can be worth tens of thousands over a lifetime.
I'm Ryan Kingsley, an Independent Financial Adviser and mortgage broker based in London, with over a decade in financial services. I grew up in Croydon, South London, raised by my mum in a close-knit family of five. That background shapes everything about how I work.
I didn't take the traditional route, no university, no smooth start. But I found finance in my early 20s and quickly understood that the real value of money isn't just earning it. It's making it work for you, your goals, and the people you love.
I also create educational financial content on YouTube, TikTok and Instagram, and I meet regularly with the Bank of England to help enhance financial awareness. I've been featured in Metro UK, Millennial Money, Savvy Wallet and more.
Outside work, I'm a street food explorer, a science fiction fan and aspiring novelist, and I spent 12 years in kickboxing, which taught me everything I know about discipline and focus.
An IFA looks at your entire financial situation, income, assets, debts, goals, family, tax position, and builds a joined-up plan. Unlike a bank or tied adviser, I have no product to sell you. I search the whole market, recommend only what's right for you, help you implement it, and review it as your life changes.
The initial consultation is completely free. I only charge when I provide a recommendation and you choose to implement it. My typical initial fee is around 1.5% of assets to be managed, with an ongoing advisory fee of 0.5 to 0.75% depending on the service. No minimum term, no exit penalties, no hidden costs.
That's exactly why most people come to me. You don't need to become a financial expert, that's my job. I monitor your plan, track regulatory changes, rebalance where needed, and only contact you when something needs your attention. You stay in control without having to do the work.
Absolutely. In fact, the earlier you get proper advice, the more it's worth. Getting the right pension structure, tax wrappers and protection in place in your 30s can compound over decades. You don't need to be wealthy, you need a plan. That's exactly what we build together.
Chartered status is a mark of professional standing awarded by a chartered professional body. It requires advanced qualifications, significant experience and ongoing professional development well beyond the basic FCA requirements, and it's held by only a minority of advisers. It reflects a public commitment to high standards, ethics and continuing learning.
A very fair question, and an important one to ask of any financial adviser. You can verify me directly on the FCA Register and confirm my Statement of Professional Standing on the LIBF website. Both are free and publicly accessible.
A relaxed, no-obligation conversation, usually 45 to 60 minutes via video or phone. I listen to your situation, goals and concerns. I tell you honestly whether and how I can help. No pitch, no pressure, nothing to pay. You'll leave knowing exactly where you stand and what your options are.
It's free, it's friendly, and there's genuinely no pressure. At the very least, you'll leave with more clarity than you arrived with.
Book your free consultationFCA regulated, Chartered Associate (LIBF), Independent, No upfront fees, London based
My advice is delivered through Hirschle Hughes Financial Services, an Appointed Representative of New Leaf Distribution, a prominent UK financial advisory network. That connection gives my clients something most advisers can't offer.
