We only take on a project if we feel that value can be added. This may be by way of reduced costs, tax mitigation, better planning, peace of mind or improved performance. If a client feels we have not delivered on this promise after advice has been provided and before implementing a plan, then we will not charge a penny but instead suggest that they pay what they feel is fair. Established since March 2010 by Rick Wyse DipPFS Certs CII (MP & ER) Sapphire Wealth Ltd provides financial advice locally and across the UK. Our client portfolio is diverse, ranging from private individuals to nationwide companies. With interest rates at an all-time low, global stock markets continuing to be volatile and rules and regulations around personal finance products becoming even more complex, independent financial advice has never been more important.