Hello,I'm Charles Riches
DIRECTOR & CHARTERED FINANCIAL PLANNER,
FELLOW OF PFS (Personal Finance Society)
charles@capital.co.uk 07880 726 989

About Me
My team and I love helping people make the big decisions in life – the ones which change everything!
Selling a business, retiring, giving money to the next generation, or supporting friends, wider family or making an impact in the community. Life is full of choices and complexity. Together with Tom and Olivia, my job is to make the complicated, simple – and ensuring it stays that way!
About the TEAM

PORTFOLIO
- 80 Private Client Families
- Manages £125M
- 16 Trusts
- Advising since 1999
- Joined Capital in 2006

EXPERTISE

FOCUS
- Clients with creative, media or financial services backgrounds.
- Entrepreneurs and Business Owners that have recently sold a business or planning to.
- Typically have £2m+ in pensions, cash & investments.
What Charles' Clients Say





Get in touch with Charles
Recent Publications


From Amazon to Capital: Introducing Olivia
As I reflect on my first few weeks at Capital, I thought it would be useful to introduce myself and share my story as I come from a background that is not the typical route into the finance industry! I studied at the University of Leeds and graduated in 2019





Spring Budget 2023: The Pensions Perspective and how it impacts you.
The Chancellor was still speaking at the dispatch box, delivery the eagerly anticipated Spring Budget as the first of many e-mails, text and WhatsApp messages began arriving in my inbox and phone from eager clients. “What does this mean for me?”, “Shall I start funding my pension again now?” and “Will I





Cash – the Magic formula – Part II: The Options
In Cash Part I – The Magic Formula – we looked at how much cash you should hold by introducing three simple, tried, and tested rules designed to help protect you in an emergency, to ensure you can meet short term commitments and for those who are withdrawing from their





Cash – the Magic formula – Part I
I often get asked by clients, friends, and family, how much cash the right amount is to hold on deposit. Too little and you run the risk of not being able to meet short term or emergency needs and be forced to borrow, use unsecured debt, or sell investments. Too much and,