Financial Expert Witness

Financial Expert Witness - Richard Paddle

Richard Paddle provides independent expert witness services in financial advice suitability, investments and wealth management disputes, with a rare combination of institutional markets and retail advice experience.

With over 30 years' experience spanning investment management, trading, wealth management, and financial planning, Richard combines technical expertise with a proven track record of clear testimony in high-stakes international litigation. He has been cross-examined in the Supreme Court of the Bahamas and LCIA arbitration in London. He holds Fellowship of the Personal Finance Society, Chartered Financial Planner status, and Membership of The Academy of Experts.

Qualifications

• Member of The Academy of Experts (MAE)
• Fellow of the Personal Finance Society (FPFS)
• Chartered Financial Planner (APFS)
• Bachelor's Degree in Physics with Physical Electronics, University of Bath, BSc(Hons)
• Postgraduate Diploma in Management Studies (DMS)
• RDR Level 6 and CF30 FCA Approved Person
• European Financial Planner (EFP), DipPFS, CertPFS (Securities), CertPFS (DM), Cert CII(MP & ER)
• AF1, AF3, AF4 (Distinction), CF6, CF8, ER1, J10, J12, LP1, LP2, RO1, RO2, RO3, RO4, RO5, RO6

Mr Richard Paddle MAE, FPFS, APFS, BSc(Hons), DMS, EFP, DipPFS, CertPFS (Securities), CertPFS (DM), Cert CII(MP & ER)

Recent Case History

• Expert report to the Supreme Court of the Bahamas on the allowable investments under a HNW discretionary mandate. Cross-examined at Trial.
• Advisory report to a Spanish lawyer in relation to whether offshore investment bonds and bank deposits fell within the meaning of “money” in a will.
• Advisory report to an Isle of Man law firm representing a Trustee in relation to its management of a private client investment portfolio
• Expert report to the LCIA Tribunal in relation to the suitability of investment advice between a family office and an UHNW client. Cross- examined at the Tribunal.
• Expert to a Guernsey law firm representing a Trustee in relation to its management of a UHNW Trust’s investment strategy and portfolio management. Participated in mediation proceedings in Guernsey.
• Co-wrote several Expert reports to the Royal Court of Jersey for one of the parties in an UHNW Family Trust dispute.
• Advised a law firm representing a private client who had been advised to invest in high-risk structured products that had subsequently failed.
• Provided expert insight to an Isle of Man based wealth management firm on the role and nature of the advice they gave to a HNW client regarding the sale of a structured product.
• Provided expert opinions on the credit market exposures to a major international law firm representing a UK bank in respect of litigation following the bank’s near collapse and subsequent government bail-out.
• Provided written expert report to a UK Government agency about the securitisation of pension receipts.

Professional Experience

• Expert Witness, Self-Employed (2014-present)
• Director, Private Client Adviser, Isio Wealth Planning (2026-present)
• Partner, Financial Adviser, St. James's Place Wealth Management (2014-2025)
• Consultant (2011-2014)
• Managing Director, Markit (2009-2011)
• Head of Investment Portfolio, Head of Credit Trading, HBOS (2003-2009)
• Senior Portfolio Manager, Bank of Scotland Treasury (1998-2003)
• Senior Credit Analyst, Abbey National Treasury Services (1995-1998)
• IT programmer, Marketing, Graduate Trainee, Abbey National (1993-1995)

Services