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Meet Ricardo Da Silva

At work

Ricardo has worked in financial services for 15 years. Originally from Portugal, Ricardo joined PenLife because he believes in the common goal of providing no-nonsense financial advice. Ricardo is a member of the Personal Finance Society (PFS), the Chartered Institute of Insurance (CII) and the Chartered Institute for Securities & Investment (CISI). Ricardo is a qualified Pension Transfer specialist and holds the authorisation for Defined Benefit/Final Salary pension transfers. He also specialises in investment, trusts and Inheritance Tax planning.

At home

Ricardo lives in East Yorkshire with his wife and their three children. He makes family time a priority. Due to bringing up a child with disabilities, he has a keen interest in trusts. This is to ensure that the savings and assets which he accumulates and intends to leave to his family will not be taken away by the local authorities. He wants to make sure that help or support is still available for his children when he and his wife are no longer here. Ricardo said, “Planning ahead is an essential part of financial success. I aim for a better life for me and my wife in retirement and for my children, and I’m happy to guide my customers who want the same outcome”.

The important stuff

All regulated financial advisers firms must be authorised by the Financial Conduct Authority (FCA) and therefore appear on their register. You can find PenLife’s entry here.

Furthermore, all advisers must have an up-to-date Statement of Professional Standing (SPS). This shows they are suitably qualified. You should be wary of any advisers who refuse to provide copies of their SPS. If you wish to see any copies, you can request this over the phone or via email using the information on the Contact Us page.

Reviews and Ratings for Financial adviser Ricardo Da Silva, Hull

Mr James

Retire tomorrow

Mr James wanted to stop working, but felt he had no choice but to stay where he was in order to fund his retirement. We carefully analysed Mr James’ financial situation and discovered that, should he invest his pensions strategically, he could actually retire the next day if he wanted to.

Read more

"Ricardo was extremely helpful. He really understood our needs and had excellent suggestions and information. He has made us feel more confident and knowledgeable."


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