Richard Zeng, PhD. Independent Financial Adviser in Cheltenham

I help individuals and businesses across the UK with financial planning, in English, Mandarin, and Cantonese.

Good financial planning starts with getting to know you. I take the time to understand what matters to you, research your options carefully, and come back with clear, structured advice that is easy to understand.

How I Can Help

For your personal finances:

• Investments
• Retirement Planning
• Estate Planning
• Protection
• Mortgages

I also offer one-off financial reviews if you wanted a clear picture of your finances or advice on a specific issue, such as inheritance tax.

For businesses:

• Business Financial Planning

Read more about our services and fees.

About Me

Before becoming a financial adviser, I spent around a decade in academia. I completed a PhD in Accounting at London Business School and later became a lecturer at the University of Bristol, teaching accounting and finance alongside my research into financial markets.

That background still shapes how I work today. Research taught me to question assumptions, look closely at the evidence, and pay attention to detail. Teaching showed me how to make complicated subjects easier to understand.

Having lived in China, the US, and the UK, I understand that clients can come to financial planning with very different backgrounds, priorities, and circumstances. That perspective helps me take those differences into account in the advice I give.

Outside work, I enjoy the gym, tennis, padel, and golf. I have played the piano since the age of four, and I enjoy good coffee, wine, and conversation.

Academic Background

• PhD in Accounting, London Business School
• MA in Economics, Boston University
• BA in Economics and Mathematics, Boston University
• Fellow of the Higher Education Academy (FHEA)

Let’s Talk

I offer an initial consultation at no cost. It gives us a chance to talk about your situation, what you want to achieve, and whether working together would be a good fit.

Meetings can be held in English, Mandarin, or Cantonese.