Financialadvisercumbria

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.

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

12/07/2026

A quick personal update,

I had an unfortunate fall at home today and have sustained a few injuries ( not football or drink related lol ) including fractures to my eye socket and cheekbone . I’m due to see the surgeon on Friday, when I’ll find out whether an operation is required.On the positive the ct scan showed signs of a brain as it temporarily went missing, causing my accident.

I’ll see how I recover over the next few days, but unfortunately I may need to rearrange a small number of appointments, Where possible, I will offer telephone appointments instead, or arrange another suitable date.

I apologise for any inconvenience and appreciate everyone’s patience and understanding.

Thank you to A&E and the other departments at the Cumberland Infimary that looked after me and i am now home.

Richard Cakans

Retirement planning in Cumbria. What’s different here?Local rules and pensions can be confusing. Most people worry about...
23/06/2026

Retirement planning in Cumbria. What’s different here?

Local rules and pensions can be confusing. Most people worry about missing something important.

Let’s talk about your options over coffee by the lakes. Book your complimentary appointment here: https://calendly.com/appointments-financialadvisercumbria/30min ☕

❓ Have you ever looked at your pension, run the numbers, and thought... "this should be enough"... but still felt unsure...
23/06/2026

❓ Have you ever looked at your pension, run the numbers, and thought... "this should be enough"... but still felt unsure about taking the leap?

You're not alone. That's exactly why I wrote my new book — "Retirement: It's Personal."

📻 I was recently interviewed on BBC Radio Cumbria about it, and the conversation kept coming back to one simple truth: the problem most people face isn't a lack of money or spreadsheets. It's a lack of clarity and confidence.

The book is now an Amazon bestseller, and I couldn't be more grateful for the response from readers across Cumbria and beyond.

Here's what it covers:

✅ The Emotional Journey to Retirement — why retirement feels like such a big decision, even when the numbers add up
✅ The Biggest Retirement Fears — and how to tackle them head on
✅ Couples in Retirement: Two People, One Plan — because retiring together is rarely straightforward
✅ How Much Do You Actually Need? — a practical look at what "enough" really means
✅ Cashflow Modelling — turning retirement worry into a clear, workable plan
✅ Why Good Financial Advice Matters — and what to look for

💡 Retirement isn't just a financial decision. It's a life decision. And it's one of the most important you'll ever make.

If you're approaching retirement and want to feel genuinely confident about what comes next, this book was written for you.

➡️ Grab your copy on Amazon: www.amazon.co.uk/dp/1917623275

Or if you'd like to talk through your own situation, book a complimentary 30-minute call 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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