I'm Charles Riches


FELLOW OF PFS (Personal Finance Society)

charles@capital.co.uk  07880 726 989

Charles Riches

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

  • 80 Private Client Families
  • Manages £125M
  • 16 Trusts
  • Advising since 1999
  • Joined Capital in 2006
Phased Retirement
Legacy Planning
Investment Planning
Scenario Modelling
Behavioral Finance
  • 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.

The Team

Tom & Olivia complete Charles’ Wealth Management Team to ensure the day-to-day needs of our clients are met.

Tom Wigan

Associate | Chartered Financial Planner | Fellow

Olivia Clarke


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What Charles' Clients Say

Get in touch with Charles

Recent Publications

Cash and Emergency Fund
Charles Riches

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,

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