Background
Richard began his career in financial services in the late 1990s, progressing through roles in mortgage advice and management before joining Keystone in 2010. Over the years, he has developed extensive expertise across mortgages, wealth management, pensions, and protection.
He holds the Certificate in Mortgage Advice and Practice (CeMAP), the Certificate in Regulated Equity Release, and the Diploma for Financial Advisers (DipFA). This breadth of knowledge allows him to offer clients a wide range of solutions, from residential and buy-to-let mortgages to retirement planning and inheritance tax strategies.
Working from our offices in London , Kingston and Chichester, Richard combines technical expertise with a personable, straightforward approach, ensuring his clients feel confident and supported at every stage of their financial journey.
Areas Of Expertise
Residential and Buy-to-Let Mortgages
Pensions and retirement planning
ISAs and investment planning
Equity release and later-life lending
Inheritance tax planning
Protection advice, including life, critical illness, and income protection
Buildings and contents insurance
Inheritance Tax planning & Some buy to let mortgages are not regulated by the Financial Conduct Authority
Richard Mullan
Financial Adviser
Richard is an experienced financial adviser with over 15 years at Keystone Wealth Management, where he has built trusted, long-term relationships with his clients. With a focus on clear, personalised advice, he supports individuals and families with everything from buying their first home to planning for retirement.
Richard works with clients in London, Surrey and Sussex.
What Our Clients Say About Richard
Alison
Overall, I cannot fault the process. Richard made it easy throughout the process which was at times difficult & overwhelming. He did not at any time put pressure on me, he gave me time and respect to make the decision right for me. My calls & messages were answered swiftly, I was never frustrated or ignored.
Yasmin Amer
My second time using Keystone Wealth for a remortgage and I honestly would not use anyone else. Richard M is very straightforward, honest, efficient and explains everything well. I was confident he found me the best deal for me each time. Vishen is also a fantastic support during the whole process, providing timely responses. 5/5 would use again in the future when i remortgage or move once more.
Michelle O'Connor
I have worked with Keystone (Richard and Jose) for many years and have always been very pleased the service. They work hard to get the best product for their clients. I would strongly recommend them.
Get Advised By Richard
Let’s make your next move a confident one.
Whether you’re just starting to explore your options or ready to take the next step, our experienced advisers are here to help — no pressure, no jargon, just tailored advice that works for you.
✅ 100% free initial consultation (approx 30 Minutes)
✅ No obligations, just clarity
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