Mark Richards
DipPFS, FIA, MMath, MSc
If you have done everything you've been told to, yet still don't feel on top of your money, that's okay. That's exactly where we start.
I promise not to lead with your pension (we'll get there, eventually), or bamboozle you with numbers. After all, spreadsheets don't know what a good life looks like. I do, because I ask.
About
Mark Richards spent 12 years inside St. James's Place - supporting Advisers in Asia, the Middle East, and the UK - before founding M12 Financial Planning. Wherever he went one thing stayed the same: tax rules change by country, but people's relationship with money doesn't. Plenty of capable, successful people still don't feel on top of it.
Sound familiar? If so, M12 Financial Planning was built for you: for those facing a big change, or who just want more confidence in their future. Those who want a plan they helped shape, not one handed to them.
Mark's central rule is simple: money is the means, not the end. Before he mentions a single pension or investment, he asks what you actually want your money to do for you - and why. That's why no two M12 plans look the same. No two lives do either.
"I started M12 because too many people do everything right and still feel behind on money. My job's to fix that: less jargon, more sense, and the odd dad joke. I want to put the fun into financial planning." — Mark
Ready to build a plan around your life, not just your balance sheet? Book a call with Mark.
Advice and services
We offer an excellent wealth management service which will help you achieve your goals
Addresses
More about St. James's Place
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St. James's Place guarantees the suitability of the advice given by members of the St. James's Place Partnership when recommending any of the wealth management products and services available from companies in the group, more details of which are set out on the Group's website.
SJP Approved 02/11/2026
The Partner Practice is an Appointed Representative of and represents only St. James's Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority) for the purpose of advising solely on the Group’s wealth management products and services, more details of which are set out on the Group’s website www.sjp.co.uk/products. The ‘St. James's Place Partnership’ and the titles ‘Partner’ and ‘Partner Practice’ are marketing terms used to describe St. James's Place representatives.
