Who we are
Factor Financial Planning was established to provide our clients with the specialist support they require, based on a deep understanding of the unique challenges faced by those affected by inherited bleeding disorders, particularly those infected during the contaminated blood scandal.
As a Haemophiliac himself and having seen his family impacted, our Founder, Sam Richards, is profoundly committed to offering empathetic and specialised support to those in similar situations. We work closely with The Haemophilia Society and Haemophilia Wales, and we are part of their recommended panel of Financial Advisers.
Factor Financial Planning also have extensive experience working with business owners and sports and media professionals.
Our mission is to provide a safe and welcoming space for all clients, particularly those navigating the complexities of health and fertility-related financial planning. Sam has built Factor Financial Planning on empathy and inclusivity for a comprehensive, personalised service where your journey is our priority.
Meet our team
Samuel Richards FPFS
“I’ve been in the financial services industry for 18 years. I’m proud to hold Chartered Financial Planner status and a Personal Finance Society (PFSship) Fellowship. As a Haemophiliac, I’ve dedicated much of my spare time to supporting the Haemophilia Society, a charity for people with bleeding disorders. I started as a youth leader, taking kids on activity weekends, and now I offer specialist financial advice to this community.
My wife and I spent many years struggling with infertility with multiple losses along our IVF journey; I am proud to be able to support friends and clients through their fertility journeys with the knowledge and empathy I’ve built up over the years. As a result, I am pleased to offer a welcoming financial planning service for those beginning, going through, or at the end of their journeys with infertility or child loss.
I’m passionate about socially responsible investing and love helping clients make choices that reflect their values. I’m a sports fan supporting Liverpool and a proud Welshman. I enjoy the outdoors, whether walking, swimming, or spending time with my dog, Winnie the Whippet, who keeps me on my toes.
I have spent much of my career working with clients in sports and media, and I’m still providing advice in these areas and the music industry. I aim to combine my professional expertise with a personal touch, supporting clients from all walks of life.”
Kate Lambert
“I have worked in financial services for over 25 years and have carved out a career for myself, which I continue to develop. I love my job and enjoy helping people plan their financial futures. I spent a large part of my career specialising in ethical and sustainable investing, which I continue to be passionate about.
Outside of my professional life, I am a mum of two: my son and my fur baby (my dog is my second child). I am super sociable and enjoy spending time with my family and friends. I have a great love for all things music and film, always following the next big movie release or looking for the next live music gig. I also consider myself a bit of a wine connoisseur, and all good food must be accompanied by good wine!”
Let’s have a chat
