Ruth Downs

Ruth Downs is an experienced Independent Financial Adviser and the Founder and Director of Truth Financial Ltd, specialising in serving the veterinary industry. With a straightforward, genuine approach and a love for animals, Ruth has helped over 700 veterinary professionals craft tailored financial plans.

Her commitment to unbiased, client-focused advice stems from her choice to operate as an Independent Financial Adviser, providing whole-of-market reviews to ensure the best outcomes for her clients. Ruth’s dedication has earned her the Unsung Hero Award at the Women in Protection Awards 2023 and multiple nominations, Financial Adviser of the Year – North West (2024) and Role Model of the Year 2025.

Passionate about making financial advice fun, accessible and engaging, Ruth delivers clear, jargon-free guidance that empowers clients to achieve their financial goals.

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About Ruth Downs

Ideal for the new graduates, locum and those in their growing years in the profession.

Experienced financial adviser with a difference. Genuine, friendly, and all-round animal lover.  Ruth has helped over 450 veterinary professionals create financial plans.
This includes:

  • Setting up a private pension
  • Consolidating existing pensions
  • Setting up saving plans (investing)
  • Protection advice (income protection, life insurance etc).

Ruth genuinely care about setting you up on the right financial path, helping create a plan that not only helps your financial well-being but also your mental well-being which is important now more than ever. Knowledge is power and it is important you know your options to make the best decisions for yourself and your future. She helps empower you to take control and She loves her job. No jargon, just straight-talking friendly advice.



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