Charles Rickards - Chartered Financial Planner

Charles Rickards - Chartered Financial Planner PLS Financial Services Ltd Debenham Office
We are a family-run firm providing independent financial planning for individuals, businesses, and trusts.

We work closely with you to create a forward-looking plan that enhances and protects your wealth. Expert Financial Planning for a Secure Future
With over 30 years of experience, my team and I provide trusted financial advice to individuals, companies, and trustees. We help you grow your wealth, minimise tax, and secure a comfortable retirement. Core Services
1. Maximise Investment Returns, grow yo

ur capital efficiently, align portfolios with your goals and Utilise all annual tax allowances.

2. Secure Your Retirement Income, build a sufficient retirement fund, optimise your pension drawdowns and clarify your complex retirement options.

3. Minimise Your Tax Liabilities, reduce your Income Tax burden, mitigate Capital Gains Tax (CGT) and protect wealth from Inheritance Tax (IHT).

4. Protect Family and Business Wealth, implement robust financial protection, structure life and health insurance and secure peace of mind efficiently.

5. Unlock Property and Care Solutions, access tax-free equity from property, plan for Long-Term Care costs and safeguard your estate from fees. Why Choose us? Trusted Compliance: we operate under PLS Financial Services Ltd, fully regulated by the Financial Conduct Authority (FCA). No-Risk Initial Consultation: Your first meeting is 100% free. All fees are fully disclosed before any work begins. Take Control of Your Financial Future[Book Your Free Initial Consultation Today on 01728 448270]

09/07/2026
How much inheritance tax would you like to pay the taxman? Do you know how much of your estate will go to the taxman bef...
08/07/2026

How much inheritance tax would you like to pay the taxman? Do you know how much of your estate will go to the taxman before your family see a penny? For answers to these and other related questions, give me a call and come and have a chat to see what you need to do, before it's too late.

Here is our Christmas window. All credit to Anita and Georgia for the plan and the ex*****on. Number 11 in the Debenham ...
12/12/2025

Here is our Christmas window. All credit to Anita and Georgia for the plan and the ex*****on. Number 11 in the Debenham Village advent calendar.

21/11/2025

I am lucky enough to work with some very talented people. Today is Rob's turn for praise. He has just received his results from his pension income options exam. A distinction. Very well done Rob, all your efforts have paid off.
My team are racking up the qualifications and gaining experience in becoming financial advisers.
Keep up the good work.

12/09/2025

New laptop after around 8 years! Just going through the pain of setting everything up again. Not using refresh from the old one as I don't want to transfer over all of the clutter!

09/06/2025

I started my business on my own and was joined first by my daughter Georgia, over 7 years ago. We were then joined by Rob, on an apprenticeship in 2022. 18 months ago, my son Blake joined us.
Both Blake and Rob achieved their level 4 qualification this year after much hard work, which continues as adviser training continues.
I now have a team of 3 studying towards their level 6 qualification (and my retirement!)
The studying never stops for any of us as the rules and regulations are constantly shifting and we have to keep on top of how those changes impact our clients.

With the proposed changes to pension death benefits and Inheritance tax fast approaching, what are you going to do? Do you know what your options are? What does it mean for your family?

28/02/2025

More good news today as Blake has passed his final module for the Diploma in Regulated Financial Planning with a distinction! He is now able to put DipPFS behind his name, along with his BA Hons! Lots of hours of pretty boring/dry studying have produced the desired result.
A huge well done to Blake. We have to get more certificate frames now!
Another important step on his journey to becoming a financial planner.

25/10/2024

Just finished fantastic breakfast rolls from the Woolpack. Great value and very tasty. Thanks Craig and team for a great service.

Address

48A High Street
Stowmarket
IP146QW

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 4pm

Telephone

+441728448270

Website

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