Sapphire Wealth Ltd provides independent financial advice to both private and corporate clients. We offer wealth management expertise to help customers maximise the potential growth of their investments and pensions, and reduce the tax payable where appropriate. Sapphire Wealth Ltd offers a high quality, personal service which specialises in planning, structuring and managing your financial needs. Contact us today to find out how we can help.Our Guarantee We only take on a project if we feel that value can be added. This may be by way of reduced costs, tax mitigation, better planning, peace of mind or improved performance. If a client feels we have not delivered on this promise after advice has been provided and before implementing a plan, then we will not charge a penny but instead suggest that they pay what they feel is fair. Wide-ranging expertise with a personal focus Established since March 2010 by Rick Wyse DipPFS Certs CII (MP & ER) Sapphire Wealth Ltd provides financial advice locally and across the UK. Our client portfolio is diverse, ranging from private individuals to nationwide companies. What is the value of advice? With interest rates at an all-time low, global stock markets continuing to be volatile and rules and regulations around personal finance products becoming even more complex, independent financial advice has never been more important. Research conducted by unbiased.co.uk shows the current average pension pot for consumers who have been advised on their retirement planning is £74,554.30, nearly double that are those not seeking advice. On investments, people with an adviser save for longer and contribute more, leading to an average investment value which is over £40,000 higher than the average for those who haven’t sought advice. Their findings suggest that taking independent financial advice has a vital part to play in the health of consumer finances and it can have a tangible positive effect on consumer’s financial security. Independent Financial Advice doesn’t just prove its worth in hard numbers. It also plays an important role in helping consumers understand their personal financial situation and how it fits into the wider financial environment of the national and global economy.