Personalised financial planning and mortgage advice built around your goals.

Based in Cambridge and led by a Chartered financial planner, we offer flexible services to support your financial aspirations.

Whether you need expert guidance on mortgages, financial planning, or both, we’ll help you make confident decisions for today and tomorrow.

Why choose us?

Who we help

Providing expert advice so you can look forward with confidence

At Betterment Wealth, we’re dedicated to empowering our clients with expert guidance and tailored strategies to achieve financial success.

Individuals and families

Your financial journey is unique, especially when you’re balancing family life and a busy career. Maybe you’re starting to think about retirement, growing your investments, or buying your next home. Whatever brought you here, you’re in safe hands.
- Protect your family’s financial future
- Feel confident with your retirement plan
- Organise your pensions and investments
Discover your options
Business owners / entrepreneurs

Running your own business comes with a blend of challenges and opportunities. We’re here to support your business’s financial health at every stage, from start-up and growth to long-term succession planning and beyond.
- Explore tax-efficient ways to draw income
- Use profits to achieve your goals
- Plan your business succession clearly
Discover your options

Client stories

Our clients say it best

Discover how our personalised advice has supported clients through important financial decisions and life changes.

Hear their stories

Richard helped us plan not just our finances, but the life we wanted to live

Peter

We went from uncertainty to feeling genuinely confident about our family’s future.

Alex

Real experiences

Trusted by our clients

Our survey results show how people feel about working with us.

100%

of clients believe that working with us has helped or will help them achieve their financial goals

100%

of clients would recommend us to their friends, family, or colleagues

53.57%

of clients have recommended us in the last 12 months alone

Ian Valvona

Richard and his team provide a great service, in my case over several years around mortgage brokering. What makes Richard, in particular, different from other professionals in this area is how much time he will spend in properly understanding both your circumstances but also what you and your family are trying to achieve into the future. He then brings the right products into discussion without ever suggesting one or the other product is 'right' or "better', rather allowing you to come to that conclusion yourself with further advice from him and his team as and when needed. It also helps that Richard, who I've known for years now, is a really lovely person! I unhesitatingly recommend him and his company's services! Ian Valvona - September 2025.

Carina Eriksson

We have used Betterment Wealth twice now. They've been incredibly helpful, efficient, thorough and honest throughout the process. We felt we were in safe hands, getting the best mortgage offer for us, and would have been a bit lost without them. Cannot recommend them enough.

Chris Holden

Jamie was great from start to finish arranging the mortgage. A non standard set of circumstances that required additional work to resolve. Throughout Jamie was great. Highly recommend for mortgage advice, application and follow through to a successful mortgage offer and finally exchange and completion.

Michael Shields

Exemplary service from everyone at Betterment Wealth - I had a great, personalised, service from Richard and Laila and have dealt with Richard before for previous remortgages etc. Despite my slightly unusual pay structure, the team were able to package things up and present the complexity neatly to lenders, making the process effortless from my point of view. Highly recommend and will be using Richard and the team for future remortgages and other financial input.

Samuel Matthey

We cannot recommend Betterment Wealth highly enough. They were with us every step of the way during our first property purchase, offering excellent advice, efficient paperwork/admin processes and helpful, personable staff. Special mention must be given to Jamie Panter, who was our main point of contact through the process and was always willing to talk and offer support and advice, as well as being very understanding of our personal circumstances. Additionally, Laila Hatcher offered excellent support during the latter stages of the purchase. I’m very glad that we selected Betterment Wealth. Would recommend to anyone.

Mel Walker

I have followed Richard over to Betterment Wealth as he has been a God Send to my finances. He has enabled me to have 2 properties and sorted out my pension so I have NO money worries even though I am freelance. Everybody needs a Richard, he simplifies everything makes sure you understand and I am SO pleased I met him!