# Richard Cakans, Independent Financial Adviser

Richard Cakans is a Chartered Fellow with over two decades of experience providing independent financial advice to clients throughout Cumbria and beyond. Operating as Throgmorton Private Capital Ltd from his Wigton office, he specialises in helping people approaching retirement determine whether they can afford to stop working and plan their financial future with genuine confidence.

What sets Richard apart is his complete independence. Unlike tied advisers constrained by specific platforms or product ranges, he can recommend solutions genuinely suited to individual circumstances rather than those benefiting particular companies. This client-first approach underpins everything he does.

His core focus is retirement planning that goes beyond spreadsheets. Richard recognises that retirement means different things to different people—whether that's funding dream holidays, prioritising time with family, maintaining current lifestyle standards, or building a legacy. He works with clients to translate these personal aspirations into realistic financial strategies.

His pension services encompass comprehensive reviews, money purchase planning, pension consolidation, and tax-efficient withdrawal strategies. He helps clients navigate critical decisions around state pension timing, annuities versus drawdown options, and sustainable retirement income planning.

Richard offers flexibility in how he works with clients, providing complimentary initial consultations available in-person at his Wigton office, via Zoom, or by telephone. His depth of experience combined with genuine independence makes him a valuable advisor for anyone serious about retirement planning in the North West.