“Being rich is having money; being wealthy is having time”

– Margaret Bonnano

Based in the South Hams, in the Idyllic Devonshire countryside, Ruby Red Financial Planning Ltd. are comprehensive, client focused financial life planning business.

We believe that no two clients are the same – all have different short, medium and longer term aims and objectives –

So each client ‘Financial Masterplan’ is created on a bespoke basis and are reviewed regularly to ensure clients remain on track to meet their goals and can be updated to reflect any changes to those aims.

Authorised and regulated by the Financial Conduct Authority. Ruby Red Financial Planning Ltd. is entered on the Financial Services Register https://register.fca.org.uk/ under reference 842765

Assisting you to live your best life

Furthermore, as well as assisting you to live the best life you can, we remain fully authorised independent financial advisers, so should you need one of the many financial products, such as pensions, ISA’s, investment bonds or protection products, we are able to provide you with a personal recommendation. We also assist client with the tax planning aspects of their individual financial masterplans.

Qualified at Chartered level representing the level of commitment and skill that we believe to be essential when helping clients on their financial journey. 

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James Toms
James Toms
James has always had an interest in business, helping set up and establish our family farm shop directly after leaving Loughborough University before making the move into Financial Services in 2012 and founding Ruby Red Financial Planning Ltd in 2020 with the view of delivering a comprehensive lifestyle financial planning service to likeminded individuals.

Married with two children, James’s time outside work mainly revolves around his family and being a taxi to their various activities.

He’s also a keen sports fan, with a particular love for cricket, rugby, golf and Formula 1 – still turning out for Plymouth Cricket club when time allows, season ticket holder at Exeter Chiefs and regularly attending the British Grand Prix.

Ian Durston
Ian Durston
Ian Durston, a Chartered Financial Planner, has more than 25 years’ experience in financial planning, firstly as a shareholder in one of the region’s most highly respected professional services firms and latterly with his own independent financial services practice, which he combined with Ruby Red Financial Planning in June 2021. Like James, Ian is a farmer’s son whose family breeds Ruby Red Devon cattle on their farm on the Somerset levels.

Married with two teenage daughters, Ian has a busy home life but manages the occasional trip to London to watch his beloved Tottenham Hotspur.

Emma Richards
Emma Richards
As head of client servicing Emma is passionate about delivering the best client experience possible. She has 19 years’ experience working in the financial services industry.
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Emma is married and has 2 children and working part time allows her to have the work life balance that she supports and believes in.

When not working Emma enjoys socialising and spending time with friends and family. Also keeping fit by enjoying sporting activities such as jogging. She also enjoys travelling
and experiencing different cultures.

India Hawes
India Hawes
As our Junior Paraplanner, India is passionate about supporting and implementing the advice provided to our clients through research, review and report writing. With a wealth of experience in the industry and having completed her Diploma in Regulated Financial Planning in 2023, India is keen to develop her knowledge within the role before progressing in her career with us.

Having had her son in August 2023, India currently works part time and finds that this balance best suits her young family.

When not working, India enjoys walking her dog Monty and spending as much time as possible making memories with her partner and son.

Our three hats…

1. Life Planning

In this stage, we look at your situation as it stands, the path you have taken to get to where you are now and what your ideal future looks like. This gives us our destination to work towards.

2. Financial Planning

Here, we analyse your existing resources, the resources that will become available to your in the future and also, those resources you may NEED to become available to you in the future to reach your goals.

3. Independent Financial Advice

Should your financial plan suggest the requirement of any financial product, we will make a personalised recommendation to you and implement these once agreed.