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Richard Smith is an Independent Financial Adviser, not all of the products services and investments mentioned in this site are regulated by the FSA. These pages and the information contained within them should not be considered Financial Advice.|Richard Smith is an Associate of Independent Financial Services (UK) Ltd. We have taken all reasonable precautions to ensure that no viruses are transmitted to any third party from this website. We accept no responsibility for any loss or damage resulting directly or indirectly from the use of this site or the contents. Independent Financial Services (UK) Ltd is an appointed representative of the Falcon Group Plc which is authorised and regulated by the Financial Services Authority. Falcon Group PLC is entered on the FSA register (www.fsa.gov.uk/register/) under reference 114661Registered in England No. 2937166. Registered Office: 404 The Waterfront, Stonehouse Business Park, Stonehouse, GL10 3UT