Trusted by People Like You
Recognised by leading industry publications.
-768x146.png&w=3840&q=75&dpl=dpl_2tQDaYCmRSLgVMVGThVX9ZmtFzh6)
Where Finance Meets the Arts
With over 20 years in financial services, from starting as a stockbroker to advising for Barclays Wealth, Santander and Prudential and also working in China as a Wealth Manger, David brings institutional-grade expertise to every client relationship.
But what truly sets David apart is his life beyond the spreadsheet. As an actor and writer, he understands the creative industries from the inside.
Since going independent in 2018, David has built a practice rooted in one belief: that financial planning should empower, not intimidate.
“Financial planning is about making someone's dream come true through sticking to a plan, no matter what life throws at us.”
— David Ruler
Years in Financial Services
Independent Since
Independence
Download Our Guides
Expert insights on all financial matters
The Value of Financial Advice
What UK savers and investors should understand about how good financial advice works, what it costs, and what the evidence says it is actually worth.
An Introduction to Investing
A plain-English guide to making your money work — without jargon, hype, or guesswork.
Retirement Planning Guide
What every UK retiree should understand about sequencing, tax and withdrawal strategy before the April 2027 pension inheritance tax change takes effect.
Pensions Guide
Everything UK workers and pre-retirees need to know about pensions, including the April 2027 change that brings them into the estate
Introduction to ISA's
How to get the most out of your £20,000 annual ISA allowance — without losing any of it to common mistakes.
Inheritance Tax
What every UK family needs to know about inheritance tax before the April 2027 pension change takes effect.
Income Protection Guide
What every UK worker, and especially the self-employed, should understand about protecting the income that pays for everything else.
Life Insurance Guide
What every UK family with a mortgage, children or one main earner should understand about life insurance, critical illness cover and the protection gap most people don't know they have.
Investing In Times of Uncertainty
What every UK investor should understand about market volatility, behavioural bias and why staying invested has consistently beaten reacting to the headlines.
Investing for the Long Term
What forty years of market history — and more than eleven major crises — tell UK investors about why staying invested is almost always the right decision.
Sustainable and Ethical Investing Guide
How to align your investments with your values without falling for the label on the tin.
Intergenerational Financial Planning Guide
How UK families can pass wealth across generations efficiently, before the April 2027 pension change reshapes the rules.
Investing for Children Guide
How UK families can give children a financial head start using JISAs, Junior pensions and the power of compounding.
Home Insurance Guide
What every UK homeowner should understand about buildings and contents cover before renewing or switching policy.
Mortgages Guide
What every UK buyer and homeowner should understand about mortgages before fixing a rate, remortgaging, or stepping onto the Standard Variable Rate.
Equity Release Guide
What every UK homeowner aged 55+ should understand about unlocking property wealth before signing anything.
View all guides
Feedback from Clients
David has over 200 verified reviews and has been a Top Rated Adviser with VouchedFor for 7 years in a row.
.webp&w=3840&q=75&dpl=dpl_2tQDaYCmRSLgVMVGThVX9ZmtFzh6)
“Dave did an amazing job setting up and transferring our pensions. From start to finish he was professional and knowledgeable.”
Jane T
“David is extremely knowledgeable, listens carefully, and explains everything clearly and concisely.”
Alan S.
“He is very good at demystifying complicated information and explaining things in layman’s terms.”
John F.
“David provides good, sound advice. He presents clear options with no pressure to act on suggestions.”
Tom V.
“He took the time to explain everything and made the whole process clear and stress-free.”
Carole B.
“David is always approachable and professional; he explains things so clearly that I always feel in control.”
Justin F.
“He asks the right questions to build the bigger picture, then listens and explains the options to get the best outcome for my family.”
Mark P.
“David is diligent, trustworthy, and well-versed in his field. He provides excellent advice that has seen my investments grow considerably.”
June B.
“We are very grateful for David's commitment and patience; he went above and beyond to help us through a complicated process.”
Margaret & Freddie R.
“David is very easily available. He responds to phone calls and emails promptly and conducts thorough annual reviews.”
Steven M.
“David has helped me successfully navigate what seemed to be a complex and stressful retirement process.”
Craig H.
“The retirement scenarios David prepared were well-explained and gave me real confidence in my financial future.”
Stella C.
“David provided calm and sensible advice which offered enormous reassurance during my transition to retirement.”
Paul M.
“He helped us streamline our pensions and suggested suitable funds according to our specific risk appetite.”
George S.
“We have worked with David for many years and have always received quality service; he is a professional you can rely on.”
Ed G.
Join the Mailing List
Fill in the form below to join David's mailing list to stay in touch with latest news and offers