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About Mel Richards

Mel Richards is the Founder of Mel Richard’s Management

Mel Richards leads a national team of advisers delivering bespoke planning and investment strategies to high-net-worth and ultra-high-net-worth clients across the UK. She also oversees the firm’s mortgage and specialist lending division, managing a large team of mortgage advisers and providing advice across residential mortgages, commercial lending, bridging finance, development finance, and equity release, ensuring clients have access to tailored and sophisticated financing solutions.

In addition, Mel Richards directs the firm’s in-house legal function, comprising employed legal professionals who deliver conveyancing and property-related legal services via the firm’s consultancy agreement with Taylor Rose, allowing for a fully integrated client experience across lending, and legal execution.

Mel Richards is a highly technical, tax-focused professional, specialising in working with company directors and high-net-worth individuals. She works closely with clients’ existing professional advisers, including accountants, chartered tax advisers, and private client solicitors, ensuring financial planning is fully aligned, tax-efficient, and strategically structured.
With additional qualifications in discretionary investment management, Mel Richards brings institutional-level expertise to portfolio construction, strategic asset allocation, and risk governance, enabling a structured and disciplined approach to long-term wealth management.
Based at the firm’s York city centre office, Mel Richards lives in central York on the River Ouse with her partner and their two dogs, maintaining a strong connection to the local community while advising clients nationally.
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The value of investments can go down as well as up and you may not get back the full amount invested. We will charge a fee for our advice. The exact amount will depend on your circumstances and will be agreed with you before any work is undertaken. Your home may be repossesed if you do not keep up repayments on your mortgage.

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