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Riz Malik

Independent Financial Adviser
R3 Wealth
R3 Wealth is an independent financial advice firm dedicated to empowering individuals, families, and businesses in navigating the complexities of financial management. Our mission is to provide customised, strategic financial planning that aligns with our clients' unique goals and values.

Media Coverage

NEW

Business Matters

Workplace sickness scheme branded ‘teaspoon solution’ as experts warn government plan lacks scale

Experts and business leaders have criticised a new UK workplace sickness scheme, warning it lacks scale and fails to address the root causes keeping millions out of work.

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The i Paper

Savings rates to fall ‘within days’ as inflation dips - what you can do

An interest rate cut by the Bank of England on Thursday is now extremely likely

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Daily Mirror

HSBC brokers give verdict on Bank of England rate cut update

The Bank of England is widely expected to cut interest rates this month in a major shift in policy

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Express.co.uk

HSBC issues verdict on Bank of England interest rates decision

Industry insiders claim the move is likely to send the property market into “full-on beast mode”

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Sky News

HSBC adds voice to chorus predicting rate cut - and it could send borrowers into 'beast mode'

A major bank has predicted the Bank of England will cut the base interest rate later this month.

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Newspage News

Cutting the cash ISA limit slammed as “another short-sighted move by the government”

Cutting the cash ISA limit to £12,000 branded “another short-sighted move by the government” following Budget

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Business Matters

Business leaders urge Reeves to resign ‘like Hugh Dalton’ after Budget leaks: ‘More leaks than the Titanic’

Business leaders say Rachel Reeves should resign after a series of Budget leaks, comparing the chaos to the 1947 Hugh Dalton scandal and warning market confidence is collapsing.

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Welwyn Hatfield Times

National minimum wage to go up to £12.71 as full time wage increases to £26k a year

Minimum wage rates are to increase for millions, giving a welcome pay rise to 4.1 to £12.71 an hour for low paid workers, with £1,500 for 18 to…

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Your Local Guardian

National minimum wage to go up to £12.71 as full time wage increases to £26k a year

Minimum wage rates are to increase for millions, giving a welcome pay rise to 4.1 to £12.71 an hour for low paid workers, with £1,500 for 18 to…

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Daily Echo

National minimum wage to go up to £12.71 as full time wage increases to £26k a year

Minimum wage rates are to increase for millions, giving a welcome pay rise to 4.1 to £12.71 an hour for low paid workers, with £1,500 for 18 to…

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Harwich and Manningtree Standard

National minimum wage to go up to £12.71 as full time wage increases to £26k a year

Minimum wage rates are to increase for millions, giving a welcome pay rise to 4.1 to £12.71 an hour for low paid workers, with £1,500 for 18 to…

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Birmingham Live

UK households warned the Pound could collapse tomorrow after Autumn Budget

Currency traders are currently betting against the Pound

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Thisismoney

Rise of first-time boomers! Spike in over 60s finally getting on the property ladder revealed by major bank

Older first-time buyers are becoming much more common, and there has even been a spike in those in their 60s and beyond getting on the property ladder, according to a major bank.

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Express.co.uk

Financial expert warns Rachel Reeves: ‘Welcome to no growth Britain’

Disappointing economic figures reveal the economy grew by a smaller-than-expected 0.1% last month.

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Express.co.uk

Rachel Reeves’s pension ‘megafund’ reforms savaged as ‘high risk, low return’

The Chancellor has claimed the pension reforms could unlock billions of pounds of investment in UK businesses.

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Manchester Evening News

Changes to ISAs sparks £5000 warning after Labour abandons ‘silly’ scheme

ISA savers who were looking forward to using the ‘£5000 allowance’ to invest in British companies will be disappointed after Labour scrapped the ‘unworkable’ scheme

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FTAdviser

Can parents cover the cost of Labour’s private school VAT plan?

With grandparents intending to pull more money from their pensions and parents looking to work for longer than planned or reduce their pension contributions, should Labour comes to power and introduce...

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FTAdviser

Adviser raises consumer duty concerns over Hargreaves’ cashback offer

Rowley Turton director, Scott Gallacher has questioned whether Hargreaves Lansdown’s cashback offer adheres correctly to the consumer duty rules.

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The Intermediary

39% of adults say they will not be able to save money in the next 12 months – ONS

In addition, around four in 10 (40%) adults reported that affording their rent or mortgage payments remained very, or somewhat, difficult.

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Financial Reporter

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Advisers said that although a single pension pot could be beneficial for employees, it would be a \

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