Caroline Richmond FPFS

Who do I work with?

I am dedicated to working with financially successful, solution-orientated individuals and families, helping them develop personalised strategies to meet their long-term aspirations and financial goals.

At HFMC Wealth I collaborate with a talented team, ensuring our clients benefit from a modern, proactive approach to financial planning.

About me?

As a chartered financial planner with over 20 years of experience, I’ve had the privilege of guiding clients through a wide range of financial challenges and opportunities. For the past decade, I’ve been part of HFMC Wealth, a firm that stands out for its exceptional culture, strong values, and commitment to client success.

I graduated from Portsmouth University with a BA Hons degree in Economic and Social History. I have since attained both Chartered and Fellowship status with the Personal Finance Society (PFS).

My passion at work is creating comprehensive lifetime cash flow models that help clients visualise their financial future with confidence. I take time to test the financial boundaries, exploring the “what if” questions that arise throughout life.

Once a plan is agreed, I ensure we revisit it at least annually, holding clients accountable to their goals, while making any necessary adjustments to keep them on course.

Outside of work

I live in a bilingual household with my husband and our young daughter. We love to travel frequently, exploring Europe and beyond whenever possible, immersing ourselves in different cultures, languages, and cuisines.

I’ve been a lifelong squash player, competing at club and county level for over 3 decades. I currently captain a premier division team on the South Coast.

When not on a squash court, I enjoy spending quality time with my family, cooking, and indulging in my love of reading.

Other qualifications

Fellow of Personal Finance Society (FPFS)