Independent Financial Advisers, Pension and Investment specialists. Leaders in pensions and divorce see www.pensionsanddivorce.org. Richard has worked in the financial services industry since 1971. His expertise in pensions started with the administering employee pension schemes in 1974.Richard has performed most roles in the financial services world culminating in setting up the business in 1992. Richard's greatest achievement was in persuading Emily his daughter to join him. Emily is now a Director and fully qualified adviser specialising in employee pensions and investments.