07540 778779 info@davidruler.com

David Ruler Financial Planning

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About David Ruler

Since 2007, I’ve been dedicated to helping individuals like you navigate the complexities of personal finance.

With a background in finance, including roles as a stockbroker and financial adviser for Barclays Wealth, I’ve accumulated over 17 years of experience in the field. In 2018, I transitioned to become an independent financial planner, driven by the desire to provide personalised solutions for my clients.

Beyond my professional endeavors, I find joy in spending quality time with my family and friends. Whether it’s exploring new destinations or simply enjoying a meal together, I cherish these moments outside of work.

My passion for helping others extends to my work as a financial adviser. I understand that your financial goals are as unique as you are, which is why I take the time to listen and tailor my advice to suit your individual needs.

From savings and investments to retirement planning and protection strategies, I’m committed to providing practical guidance that empowers you to make informed decisions about your finances.

If you’re ready to take control of your financial future, I invite you to reach out for a no-obligation consultation. Together, we can create a roadmap to help you achieve your financial aspirations and build a secure future for you and your loved ones. Let’s embark on this journey together.

Find out about us

Investments and Savings

Get help generating a better return on your savings, with a full range of investment options which could include equities, funds, bonds and alternative investments.

Pensions

Get help on making a plan for a comfortable retirement; whether it’s starting a pension or understanding how much you should be contributing to one.

Retirement Income

Get help understanding and evaluating annuities vs. drawdown, or discussing the other available retirement income options for you.

Pension Transfers

Get advice on transferring pensions where you do not need a specialist, for example a standard personal pension or one through your employer that is made up ONLY of regular contributions from you and your employer (this should not be a defined benefit pension)

Inheritance Planning

Get help with planning your inheritance and understanding the tax implications of an inheritance you leave, or accessing an inheritance you have received.

Insurance and Protection

Get help to understand the best level of life cover, critical illness cover and income protection for you.

Feedback from Clients

Why you should hire David.

What were the circumstances that caused you to initially look for an adviser?

Retirement private pension for expertises in the financial market.

How has David Ruler helped you?

Good advise always helpful. Explains everything in a way I can understand. Pensions and investments are alien to me David’s expertise and friendly approach to the subject is very professional.

Have you seen the outcome you were hoping for?

Yes absolutely,

What could they have done better?

I don’t know, if there is anything I need answers to he is only a phone call or message away.

What were the circumstances that caused you to initially look for an adviser?

My husband needed advice on his pension pot.

How has David Ruler helped you?

He advised us on the best option and provider

Have you seen the outcome you were hoping for?

My husband now has an annuity

What could they have done better?

Nothing, David was very good at explaining everything.

What were the circumstances that caused you to initially look for an adviser?

We were looking to tidy up several pension pots and maximise the growth of the consolidated funds.

How has David Ruler helped you?

David has helped to streamline our pensions where possible and suggested suitable funds according to our risk appetite

Have you seen the outcome you were hoping for?

Yes and we are still fine tuning according to our changing needs.

What could they have done better?

Given us next week’s Euromillions numbers?

What were the circumstances that caused you to initially look for an adviser?

Pension needed to be managed

How has David Ruler helped you?

Explaining the market and assisting me in financial planning

Have you seen the outcome you were hoping for?

in progress

What could they have done better?

Nothing as yet

What were the circumstances that caused you to initially look for an adviser?

Pension investment.

How has David Ruler helped you?

David provides good sound advice re investment. He points out pros and cons. This enables me to make the decisions that are in my best interests.

Have you seen the outcome you were hoping for?

Yes.. good growth on my investments.

What could they have done better?

Nothing at present… due to the current market.

What were the circumstances that caused you to initially look for an adviser?

We moved back to the UK after 14 years living in France and needed professional help with our change in financial circumstances.

How has David Ruler helped you?

David’s help has been invaluable to us, and we continue to feel very well supported by him.

Have you seen the outcome you were hoping for?

Since we set up our investments it has been a rocky period but David has explained everything very carefully and we look forward to the financial situation improving.

What could they have done better?

Nothing

What were the circumstances that caused you to initially look for an adviser?

To ensure I protected my Retirement income position

How has David Ruler helped you?

As above as well as assisting me now on my acual retirement options as I need to start accessing my accumulated pension pot. Consequently looking at all the options on the table. Most informative and effective.

Have you seen the outcome you were hoping for?

Yes. David has been instumental in helping me achieve the goals I and we have set.

What could they have done better?

None, does an excellent job

What were the circumstances that caused you to initially look for an adviser?

I had a lump sum and needed investment advice.

How has David Ruler helped you?

David is usually on the end of the phone to answer various questions. for example, I recently called him regarding a pension pot that is nearing maturity. He was able to talk me through my options. He is knowledgeable a very good at demystifying complicated information.

Have you seen the outcome you were hoping for?

I have seen a good return on my investment and trust the advice I received from David.

What could they have done better?

Can’t think of anything.

What were the circumstances that caused you to initially look for an adviser?

Inheritance and needed advice

How has David Ruler helped you?

With sound advice for the circumstances

Have you seen the outcome you were hoping for?

ongoing

What could they have done better?

One product sounded good but became rather complex

What were the circumstances that caused you to initially look for an adviser?

Inheritance advice

How has David Ruler helped you?

Sound advice and knowledgeable.

Have you seen the outcome you were hoping for?

On-going.

What could they have done better?

One product became rather complex so we were unable to proceed.

What were the circumstances that caused you to initially look for an adviser?

Getting near to pensionable age and pension pot investments

How has David Ruler helped you?

David gave clear and concise advice on my pension and ISA investments leading into me taking early retirement.

Have you seen the outcome you were hoping for?

Yes, definitely.

What could they have done better?

Nothing really.

What were the circumstances that caused you to initially look for an adviser?

Long term savings and pensions

How has David Ruler helped you?

Given excellent advice.

Have you seen the outcome you were hoping for?

Not really because of the current financial situation.

What were the circumstances that caused you to initially look for an adviser?

Long term financial planning

How has David Ruler helped you?

He has always provided informed, understandable financial advice, tailored to meet my needs

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing that I am aware of

What were the circumstances that caused you to initially look for an adviser?

Retirement planning

How has David Ruler helped you?

Considered our financial position and given sound advice which we have followed, this enabled us to retire earlier plan planned.

Have you seen the outcome you were hoping for?

Yes

What were the circumstances that caused you to initially look for an adviser?

To gain specialist advice on my personal pension.

How has David Ruler helped you?

Yes very much so, over a number of years.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Nothing really.

What were the circumstances that caused you to initially look for an adviser?

I have a self invested pension that I needed financial advice to manage.

How has David Ruler helped you?

David has researched advised and transferred my pension fund so that it continues to grow. He has also advised me on critical health cover

Have you seen the outcome you were hoping for?

Yes

What were the circumstances that caused you to initially look for an adviser?

Long term financial planning on the run up to my retirement.

How has David Ruler helped you?

Plan for a secure long term future and ultimately enabling us to achieve our retirement goals

Have you seen the outcome you were hoping for?

Yes and more

What could they have done better?

Nothing

What were the circumstances that caused you to initially look for an adviser?

We reached our to David as needed a company life insurance plan and our current provider was not able to quote effectively given changes in team numbers.

How has David Ruler helped you?

David dealt with our requests and queries in an efficient and professional manor and helped with a smooth transition to the new provider,

Have you seen the outcome you were hoping for?

David successfully sourced a solution options to meet our business needs.

What could they have done better?

The service was perfect, nothing to improve here.

What were the circumstances that caused you to initially look for an adviser?

Scattered finances, no future vision.

How has David Ruler helped you?

David is extremely knowledgeable in all aspects of our financial affairs, if there is something outside of his remit, he normally knows someone who is just as capable as David at getting the job done. David asks questions to build the bigger picture, then listens and explains everything clearly and concisely to get the best outcome for our busy family. I look forward to our meetings as they are always in a calm and relaxed atmosphere, discussing important financial matters.

Have you seen the outcome you were hoping for?

Yes our outcome is heading in the right direction.

What could they have done better?

Nothing

What were the circumstances that caused you to initially look for an adviser?

Retirement

How has David Ruler helped you?

Understand the options

Have you seen the outcome you were hoping for?

Generally speaking

What were the circumstances that caused you to initially look for an adviser?

I had gifted money to a close friend to help him buy a property.

How has David Ruler helped you?

He researched and found the most economical way of paying for my insurance policies.

Have you seen the outcome you were hoping for?

Yes. I now have insurance policies in place to cover inheritance tax liabilities.

What could they have done better?

Can’t think of anything.

What were the circumstances that caused you to initially look for an adviser?

The need to take out my 25% from my pension

How has David Ruler helped you?

He took his time to go through everything with me. He did all the necessary chasing and follow up with my pension provider. Keeping me updated at each stage, even apologising if things were taking too long. I could not have asked for more. He even complained on my behalf as my pension provider was taking too long and was able to get me compensation.

Have you seen the outcome you were hoping for?

Absolutely ?

What could they have done better?

To be honest, he did more than I expected and I am truly appriciative.

What were the circumstances that caused you to initially look for an adviser?

I had recently retired and needed an annuity for my pension pot.

How has David Ruler helped you?

He provided me with options and we agreed on the best one for my needs.

Have you seen the outcome you were hoping for?

I followed David’s advice and purchased an annuity.

What could they have done better?

Nothing springs to mind.

What were the circumstances that caused you to initially look for an adviser?

we do not know anything about pensions , so we looked for advise

How has David Ruler helped you?

we have a yearly catch up , with what has happen to our plan

Have you seen the outcome you were hoping for?

not yet we have a 5 year plan , this is 2nd year

What were the circumstances that caused you to initially look for an adviser?

I never had a pension in place.

How has David Ruler helped you?

To understand the way investments & pensions work.

Have you seen the outcome you were hoping for?

Yes.

What were the circumstances that caused you to initially look for an adviser?

Investing pension to a drawdown investment

How has David Ruler helped you?

Yes with good advise and setting up investment and reviewing annually.

Have you seen the outcome you were hoping for?

Very much so.

What could they have done better?

All good

What were the circumstances that caused you to initially look for an adviser?

Pension planning

How has David Ruler helped you?

He has been very helpful, explaining all the options to me.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

They have been excellent

What were the circumstances that caused you to initially look for an adviser?

Retirement

How has David Ruler helped you?

Sound pension and long term advice

Have you seen the outcome you were hoping for?

Yes I’m financially stable

What could they have done better?

Nothing

What were the circumstances that caused you to initially look for an adviser?

Retirement

How has David Ruler helped you?

Professional advice and guidance always there to help nothing is too much trouble.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

I’m am happy with the way things are going I can not see any improvements at this stage.

What were the circumstances that caused you to initially look for an adviser?

Having sold a property in France and now renting long-term in the U.K., we wanted advice on investing our capital in a secure way,

How has David Ruler helped you?

David took time to understand and assess our personal needs and requirements for the future.

Have you seen the outcome you were hoping for?

Yes, our money has been spread between two main types of investment.

What could they have done better?

We cannot think of anything that David could have done better! We are very impressed by his knowledge of different products and by his professionalism.

What were the circumstances that caused you to initially look for an adviser?

Needed to set up a trust fund

How has David Ruler helped you?

David is approachable and knowledgeable. He explains things so clearly

Have you seen the outcome you were hoping for?

Yes and so much more than the initial need for a trust fund. David has also advised in other areas such as debt management, mortgage and insurance

What could they have done better?

Nothing

What were the circumstances that caused you to initially look for an adviser?

I needed advice of where to invest my savings for the best returns.

How has David Ruler helped you?

David always provides sound advice which I know I can trust. David is easily accessible, if he is unable to respond immediately to a query, he will always get back to me.

Have you seen the outcome you were hoping for?

Yes, my investment is growing.

What could they have done better?

Can’t think of anything

What were the circumstances that caused you to initially look for an adviser?

Whilst David was working for the Prudential he took over as the Advisor for my private pension

How has David Ruler helped you?

Given me guidance in how I could see a better return on my pension as well as information on things like insurance and wills.

Have you seen the outcome you were hoping for?

Yes, I have.

What could they have done better?

Nothing that I can think of.

What were the circumstances that caused you to initially look for an adviser?

Needed advice on drawing down some money from my private pension when I retired.

How has David Ruler helped you?

David has given us advice on the best ways to manage our private pensions as well as ISA Investment plans. We still have regular yearly reviews to ensure everything is going to plan and whether we need to make any changes. He is always at the end of a phone or email if we need instant guidance.

Have you seen the outcome you were hoping for?

Definitely.

What could they have done better?

Nothing that we can think of

What were the circumstances that caused you to initially look for an adviser?

David has been my advisor for a long time. I met him when he worked for prudential. Always quality service when he worked for them so no reason not to carry on working with David

How has David Ruler helped you?

Advised me on drawdown keeping pension aware and short and long term investments

Have you seen the outcome you were hoping for?

Yes and others are long term .

What could they have done better?

Bought me more coffee and cake. Therefore nothing as his expertise was the best

What were the circumstances that caused you to initially look for an adviser?

Pending retirement

How has David Ruler helped you?

Personal overview of our pensions and savings advice.

Have you seen the outcome you were hoping for?

Yes

What were the circumstances that caused you to initially look for an adviser?

A change in my financial and marital ststus

How has David Ruler helped you?

He listened, gave advice that I could understand and made the changes that needed to be carried out fuss free.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Not as far as I am concerned.

What were the circumstances that caused you to initially look for an adviser?

I wanted a safe place to keep my pension lump sum

How has David Ruler helped you?

Clear explanation on how investments are doing. He goes over and above his role by giving advice on areas outside of saving and investments.

Have you seen the outcome you were hoping for?

Yes. The returns on investment exceeds my expectation

What could they have done better?

Nothing. I am very pleased with the service provided.

What were the circumstances that caused you to initially look for an adviser?

To enhance our work place pension.

How has David Ruler helped you?

Over a number of years, he has provided valuable financial planning advice to ensure that I am financially secure in retirement. David’s advice has always been tailored to my needs and his explanations are clear so that I am able to make informed decisions.

Have you seen the outcome you were hoping for?

Yes I feel financially secure.

What could they have done better?

Nothing.

What were the circumstances that caused you to initially look for an adviser?

I can’t remember what the initial reason was it was such a long time ago.

How has David Ruler helped you?

He helped to get my finances into one place making it easier to control them. He also helped me to complete an LPA form.

Have you seen the outcome you were hoping for?

Yes my finances are healthy

What could they have done better?

Not sure there was anything that could have been done better

What were the circumstances that caused you to initially look for an adviser?

My wife and I were looking to enhance our teachers pensions, with complementary pensions and investments. This was about 20 years ago. Since then we are now retired and reaping the benefits of David’s advice and professionalism.

How has David Ruler helped you?

David met regularly with us as a couple and recommended and advised on pension products, ISAs and investments over the years. At all times he took time to make us aware of the costs and benefits. In addition, he was always available to advise on almost all matters financial, and therefore we firmly believed he always had our interests at heart. Consequently as time has gone on and our life circumstances have changed, David’s advice and support has now extended to things like advising on tax matters, power of attorney and writing of Wills.

Have you seen the outcome you were hoping for?

Yes we are both 100% satisfied and we are now reaping the benefits of his long term support. We are both confident that our immediate and long term financial health are in great shape.

What could they have done better?

Nothing

What were the circumstances that caused you to initially look for an adviser?

Pension drawdown.

How has David Ruler helped you?

David has helped in all financial aspects leading up to and during my retirement.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

More than happy with the service and attention provided.

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