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<p style="font-size:1rem;font-weight:700;letter-spacing:0.12em;text-transform:uppercase;color:#7eb8b0;margin-bottom:0.5rem;">David Ryder — Independent Financial Adviser</p>
<h1 style="font-family:Georgia,serif;font-size:clamp(1.9rem,4vw,2.8rem);font-weight:700;color:#f5f2ea;line-height:1.15;letter-spacing:-0.02em;margin-bottom:1rem;">Financial advice from someone who has been inside the industry for 25 years</h1>
<p style="font-size:1.05rem;color:#b8c4c2;line-height:1.85;margin:0;max-width:580px;">I am currently completing my IFA qualification — expected August 2026 — and aim to be fully authorised and practising by the end of 2026. If you would like to be notified when I am open for clients, register your interest below.</p>
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<p style="font-size:1rem;font-weight:700;letter-spacing:0.12em;text-transform:uppercase;color:#7eb8b0;margin-bottom:0.75rem;">Why this is different</p>
<h2 style="font-family:Georgia,serif;font-size:1.9rem;font-weight:700;color:#1a2332;line-height:1.2;letter-spacing:-0.01em;margin-bottom:1.25rem;">I am not a career-changer who recently discovered finance</h2>
<p style="font-size:1rem;color:#555;line-height:1.85;margin-bottom:1rem;max-width:680px;">I started at Euromoney in Hong Kong in 1995. Over the following three decades I worked in financial publishing, investment communications at Mercer Investments, Fidelity and Lloyds Banking Group / Schroders Personal Wealth, and as a communications consultant to institutional and wholesale financial clients across the UK, US and Luxembourg.</p>
<p style="font-size:1rem;color:#555;line-height:1.85;margin-bottom:1rem;max-width:680px;">I have spent 25 years watching how financial products are marketed, how advice is packaged, and where the gaps between industry interests and client interests tend to open up. That is the perspective I bring to independent financial advice.</p>
<p style="font-size:1rem;color:#555;line-height:1.85;margin-bottom:0;max-width:680px;">I also run <a href="https://investwithoutbeingrippedoff.com" style="color:#1a2332;text-decoration:none;border-bottom:1px solid #c5bfb0;padding-bottom:1px;">Invest Without Being Ripped Off</a> — a free resource helping ordinary people set up low-cost, low-maintenance investment portfolios. It has no ads, no sponsors, and no hidden agenda.</p>
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<p style="font-size:1rem;font-weight:700;letter-spacing:0.12em;text-transform:uppercase;color:#7eb8b0;margin-bottom:0.75rem;">Who I will work with</p>
<h2 style="font-family:Georgia,serif;font-size:1.9rem;font-weight:700;color:#1a2332;line-height:1.2;letter-spacing:-0.01em;margin-bottom:2.5rem;">Three client groups</h2>
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<p style="font-size:0.92rem;font-weight:600;color:#1a2332;margin-bottom:0.5rem;">UK-based clients</p>
<p style="font-size:0.85rem;color:#666;line-height:1.7;margin:0;">Independent financial advice for individuals and families in the UK who want straightforward, honest guidance from someone who understands the industry from the inside.</p>
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<p style="font-size:0.92rem;font-weight:600;color:#1a2332;margin-bottom:0.5rem;">UK expats in Luxembourg</p>
<p style="font-size:0.85rem;color:#666;line-height:1.7;margin:0;">Living in Luxembourg with UK financial ties is genuinely complex. Pensions, ISAs, tax residency, cross-border planning — I understand the specific challenges that UK nationals in Luxembourg face.</p>
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<p style="font-size:0.92rem;font-weight:600;color:#1a2332;margin-bottom:0.5rem;">Luxembourg professionals</p>
<p style="font-size:0.85rem;color:#666;line-height:1.7;margin:0;">From late 2026, following an international qualification, I will also work with Luxembourg-based professionals more broadly. Register your interest and I will be in touch when this is available.</p>
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<p style="font-size:1rem;font-weight:700;letter-spacing:0.12em;text-transform:uppercase;color:#7eb8b0;margin-bottom:0.75rem;">Register your interest</p>
<h2 style="font-family:Georgia,serif;font-size:1.75rem;font-weight:700;color:#f5f2ea;line-height:1.2;letter-spacing:-0.01em;margin-bottom:0.75rem;">Be notified when I am open for clients</h2>
<p style="font-size:0.95rem;color:#b8c4c2;line-height:1.85;margin-bottom:2rem;max-width:560px;">I aim to be fully authorised and taking on clients by the end of 2026. Leave your details and I will contact you as soon as I am in a position to help.</p>
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<p style="font-size:0.82rem;color:#b8c4c2;margin-bottom:1.25rem;line-height:1.6;">Send a brief message to <a href="mailto:david@davidryder.com" style="color:#7eb8b0;text-decoration:none;border-bottom:1px solid rgba(126,184,176,0.4);padding-bottom:1px;">david@davidryder.com</a> with your name and a line about what you are looking for. I will keep your details and be in touch when I am authorised.</p>
<a href="mailto:david@davidryder.com" style="display:inline-block;background:#7eb8b0;color:#1a2332;padding:0.75rem 1.75rem;border-radius:2px;font-size:0.82rem;font-weight:500;text-decoration:none;letter-spacing:0.04em;text-transform:uppercase;">Send a message</a>
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<!-- IN THE MEANTIME -->
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<p style="font-size:1rem;font-weight:700;letter-spacing:0.12em;text-transform:uppercase;color:#7eb8b0;margin-bottom:0.75rem;">In the meantime</p>
<h2 style="font-family:Georgia,serif;font-size:1.75rem;font-weight:700;color:#1a2332;line-height:1.2;letter-spacing:-0.01em;margin-bottom:0.75rem;">Take control of your investments now</h2>
<p style="font-size:0.95rem;color:#666;margin-bottom:1.5rem;max-width:580px;">While I complete my qualification, my free site <strong>Invest Without Being Ripped Off</strong> shows you exactly how to set up low-cost, low-maintenance investment portfolios — based on my own money, with full performance data published monthly.</p>
<a href="https://investwithoutbeingrippedoff.com" style="display:inline-block;background:#1a2332;color:#f5f2ea;padding:0.75rem 1.75rem;border-radius:2px;font-size:0.82rem;font-weight:500;text-decoration:none;letter-spacing:0.04em;text-transform:uppercase;"
onmouseover="this.style.background='#7eb8b0';this.style.color='#1a2332'"
onmouseout="this.style.background='#1a2332';this.style.color='#f5f2ea'">Visit the site →</a>
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<span style="background:#1a2332;color:#f5f2ea;font-size:0.65rem;font-weight:500;letter-spacing:0.08em;text-transform:uppercase;padding:0.28rem 0.55rem;border-radius:2px;white-space:nowrap;flex-shrink:0;margin-top:3px;">Important</span>
<p style="font-size:0.82rem;color:#666;line-height:1.75;margin:0;">David Ryder is currently completing his IFA qualification and is not yet authorised to provide regulated financial advice. Nothing on this website constitutes financial advice. Once authorised, David will operate under the regulatory framework of a fully authorised firm. If you need regulated financial advice now, please consult a currently authorised adviser.</p>
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