Richard Coles

Each day, Richard partners with clients to help them define, articulate, and achieve their most meaningful financial goals. With a deep belief in the power of effective decision-making, he is committed to guiding individuals and families through each stage of life with clarity and purpose. Richard finds great fulfillment in seeing clients reach their long-term goals — and in being part of their journey.

Educated in England, Richard originally earned his CERTIFIED FINANCIAL PLANNER® certification there before achieving U.S. certification in 2004. He began his career as a floor trader and later became a member of the London Stock Exchange. He then spent 21 years as a financial planner and investment advisor at D. Scott Neal, Inc. in Lexington, Kentucky, which joined Mercer Advisors in 2025.

Married for 38 years as of June 2025, Richard has three adult children and a grandson. He enjoys traveling to new places, exploring local cultures and cuisines, and believes that his work — and time spent with his children and grandson — keeps him young, curious, and always learning.