Partner & Financial Planner
Independent Financial Adviser in Camberley, Surrey
I’ve been a financial planner since 1998, and over that time I’ve had the privilege of working with people at every stage of life, across almost every situation you can imagine.
That breadth of experience has shaped how I work today — calmly, thoughtfully, and with a deep understanding that no two clients, or lives, are ever the same.
Richard Hoare
Hi, I'm Richard
My Role at ilumiti
As a Partner at ilumiti, my role is to guide clients through important financial decisions with clarity and confidence.
I focus on simplifying complex planning, providing reassurance during periods of change, and helping clients make well‑informed decisions with a long‑term perspective.
Qualifications & Experience
DipFA MLIBF
A Goals‑Led Approach
I believe the most effective financial plans start by understanding what really matters.
By taking the time to explore goals, values and concerns, we can create plans that feel meaningful, realistic and supportive of the life my clients want to lead — now and in the future.
30
Years of Experience in Financial Services
100+
Families Supported along their financial journey
Clarity first. Confidence follows. Financial planning focused on what matters to you.
Professional Credentials & Regulatory Information
Qualifications - DipFA MLIBF
FCA details - RDH00008
Areas I Serve
I primarily work with clients in Camberley and the surrounding areas of Surrey. While I’m always happy to meet clients online, there’s something uniquely valuable about sitting down face‑to‑face; whether that’s over a coffee near you, at your home, or at a convenient meeting point.
Camberley
Farnborough
Aldershot
Fleet
Bracknell
Wokingham
Farnham
Woking
Guildford
Egham
Addlestone
Chertsey
Staines‑upon‑Thames
Although Surrey is my core area, I also work with a number of clients in London, either online or by arranging in‑person meetings when it’s helpful.
Whether we meet virtually or in person, my goal is the same: to make financial planning feel personal, clear, and easy to engage with.
Services Overview
Retirement Planning
I help you understand what retirement could look like based on where you are now, and how a clear financial plan can improve your options and long‑term security.
Investment Advice
Investments often underpin a successful plan. I’ll help you invest in a way that supports your goals, protects against inflation, and gives you confidence along the way.
Pension Consolidation
If you have multiple pensions, I can help you locate them, understand how they work, and assess whether bringing them together could make things simpler and more effective.
Estate Planning Support
For those who want to pass wealth on efficiently, estate planning can form part of your wider plan. We offer in‑house support, including wills and trust planning, where needed.
Tax Planning
I help structure your finances to support your goals while reducing unnecessary tax, both now and in the future.
Read some of my recent reviews on VouchedFor
Client Outcomes & What to Expect
A first conversation to understand you
Our work together begins with an initial discussion. This is an informal, no‑obligation conversation where I learn about your circumstances and what you want your finances to enable — both in the short term and over the longer term. It’s about understanding your situation properly before anything else.
Meeting in a way that suits you
We can meet in whichever way works best for you, whether that’s face‑to‑face or via video call. Virtual meetings offer flexibility and ease, while many clients still prefer meeting in person. I’m happy to accommodate either.
Planning built around what matters to you
Rather than focusing on financial products, my approach centres on your objectives, priorities and concerns. Once we’ve established what’s most important to you, I put together a financial plan designed to support those aims and help you move forward feeling clear, confident and in control.
Money illuminated — the podcast
Clear, jargon‑free conversations to help you make more confident financial decisions.
Frequently Asked Questions
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Using Vouchedfor to search for local advisers is a good starting point, as you can see real client feedback for that adviser
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We charge a fixed fee to work with clients to build their financial plan and implement appropriate solutions to support their plan, followed by an ongoing percentage based fee (0.75%) to provide ongoing financial planning advice
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You don’t need a local adviser, but being in close proximity to have face-to-face sessions always helps build a stronger relationship