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Rikesh Bhatt (Rik)
Founder and Financial Planner
8 Financial Planning (FRN: 958869)
I'm Rikesh Bhatt (Rik), founder of 8 Financial Planning in Shropshire. I work directly with business owners and families across the Midlands.
I'm also a member of the FCA's Smaller Business Practitioner Panel. Any views I give are my own and not those of the FCA or the Panel.
I'm particularly focused on April 2027, when most unused pensions come into inheritance tax, and on the business and agricultural relief restrictions that started in April 2026. It's what clients ask me about most.
I spent 11 years at HSBC, latterly as a financial adviser to high net worth clients. I'm a Chartered Member of the CISI and hold the CII Diploma in Financial Planning.
Comment areas: inheritance tax, pensions, gifting, business exits, retirement income, cashflow planning, the Budget and later-life wealth.
8 Financial Planning is authorised and regulated by the Financial Conduct Authority, FRN 958869. Tax and estate planning advice is not regulated by the Financial Conduct Authority.
I'm also a member of the FCA's Smaller Business Practitioner Panel. Any views I give are my own and not those of the FCA or the Panel.
I'm particularly focused on April 2027, when most unused pensions come into inheritance tax, and on the business and agricultural relief restrictions that started in April 2026. It's what clients ask me about most.
I spent 11 years at HSBC, latterly as a financial adviser to high net worth clients. I'm a Chartered Member of the CISI and hold the CII Diploma in Financial Planning.
Comment areas: inheritance tax, pensions, gifting, business exits, retirement income, cashflow planning, the Budget and later-life wealth.
8 Financial Planning is authorised and regulated by the Financial Conduct Authority, FRN 958869. Tax and estate planning advice is not regulated by the Financial Conduct Authority.
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