The team behind your plan
We may be a small team, but that’s one of our greatest strengths. At Factor, you’ll build relationships with all of us, not just your planner.
We work together every day, sharing knowledge, challenging ideas and supporting one another to deliver thoughtful, joined-up advice and service for the people we look after.
The result is a genuinely personal experience, where you’re welcomed by name, supported by familiar faces and looked after by a team that knows you - not a business that simply knows your account number.
Sam has worked in financial services since 2006, providing holistic advice to clients through many different stages of life.
He has played a central role in designing and delivering financial guidance sessions in collaboration with the Infected Blood Compensation Authority. As a haemophiliac whose own family was affected by contaminated blood, this work is deeply personal and shapes his commitment to clarity, dignity and compassion in every client relationship.
Sam believes financial planning should feel personal, thoughtful and genuinely helpful - giving clients confidence and peace of mind when making important decisions about their future.
Sam is a Chartered Financial Planner and Fellow of the Personal Finance Society.
Outside of work, Sam enjoys playing padel, spending time with his young family, and remains actively involved in the haemophilia community—an important part of his life both personally and professionally.
Founder and Chartered Financial Planner
Sam Richards FPFS
Financial Planner
Christian has worked in financial services for over 15 years and believes the best advice starts with understanding the person, not the numbers.
His approach is calm, straightforward and genuinely human. Whether helping someone plan for retirement or supporting participants through the Infected Blood Compensation process, he focuses on clear conversations, practical guidance and helping people feel more confident about their future.
Christian is passionate about financial planning that reflects real life and real values - not jargon or unnecessary complexity. He wants clients to feel comfortable asking questions, understood as people, and supported for the long term.
Outside of work, Christian lives in South Devon with his wife and their two labradoodles. He enjoys weekends away in their campervan, live music and escaping into nature whenever possible.
Christian Wynne DipPFS
Ian Martin DipFA
Financial Planner
Ian has worked in financial services for nearly 20 years, helping clients navigate complex financial decisions at different stages of life.
Before joining Factor, he held senior leadership roles within a national financial planning business, where he was responsible for leading teams of advisers across the UK. He now focuses on working directly with clients, helping them make clear, confident decisions about their future.
His approach is balanced and thoughtful, combining strong technical knowledge with a genuine focus on understanding what matters most to each client. He believes financial planning should feel clear, personal and practical - not complicated or overwhelming.
Outside of work, Ian enjoys training, playing padel, and spending time with family and friends.
Linda has more than 15 years of experience in financial services, with a background spanning operations, portfolio management and financial planning.
Her focus is on delivering a client experience that feels personal, trusted and genuinely valuable. She particularly enjoys building long-term relationships with clients, helping them feel reassured, engaged and confident as their financial plans take shape.
Linda finds it especially rewarding to be part of each client’s journey as they work towards their financial and retirement goals.
Outside of work, Linda’s two young children keep life busy and energetic. Weekends are centred around family time, fresh air, and spending time with her ever-growing group of nieces and nephews.
Senior Associate
Linda O’Neill
Kate has worked in financial services for over 25 years, with particular experience in retirement planning and ethical and sustainable investing.
She is passionate about helping clients make confident financial decisions and believes the strongest relationships are built on trust, understanding and a genuinely personal approach. Supporting clients through different stages of life and helping them plan for the future is what she finds most rewarding.
Kate is committed to continually developing her knowledge and broadening her expertise within financial planning.
Outside of work, she lives with her partner, teenage son and Luna the Cavapoo. She enjoys music, films, travel and all things creative.
Kate Lambert
Paraplanner
