Financial planning

Financial planning - THINKING AHEAD. WITH CLEAR FOCUS.

We've spent years thinking ahead, to help our clients live the future they want. We’ll use our expertise to help you do the same.

LET'S TALK

Financial Planning at Rathbones

It’s reassuring to have a clear plan for the future of your finances. Working one-to-one with our financial planners, you’ll have access to their advice, and their ability to plan ahead to help you achieve your goals.

They’ll aim to ensure you’re better placed to manage financial situations you may not have anticipated.

We will start by getting to know you and your current and long-term needs as well as any personal goals. Using this information, we will work with you to create clear and precise financial objectives to work towards, aiming to reduce complexity and help you focus on what matters to you. Because the best financial plans are always built around individual goals.

FINANCIAL WELLBEING RESEARCH

Managing uncertainty to maximise impact

Read our report

HOW CAN WE HELP YOU WITH YOUR FINANCIAL PLANNING ?

We have three ongoing advisory services and as part of our initial advice and planning we will confirm which, if any, is most suitable for you. Our ongoing advisory services are designed to reflect your individual financial planning needs and the type of advice required:

INITIAL ADVICE AND PLANNING

If you decide to engage us, we will explore the issues in detail. We will begin by asking about your preferences and checking how other parts of your finances might link with the matter in hand.

We will complete an analysis of your financial position and compare this to your expected future outgoings – spending, gifts and taxation. Through this cash flow analysis we can help you prioritise your objectives and understand potential risk factors that could impact your plans.

Upon agreeing your financial plan, we will provide our recommendations to you. We will lay out your options and the factors affecting your decision, our assessment of them and how they could impact your priorities. We will give you a written report setting out our advice and recommendations, including the need for ongoing advisory services in the future.

FOCUSED FINANCIAL PLANNING

An ongoing advisory service focused around an annual meeting (usually conducted remotely) to understand your personal circumstances and objectives, and an annual suitability review (reviewing your investment portfolio, your investment mandate and the use of appropriate associated tax allowances) to assist you in meeting your needs and objectives.

This service can cover you and (if applicable) your spouse or partner and your children under the age of 18 (with you acting on their be-half).

HOLISTIC FINANCIAL PLANNING

An ongoing advisory service that takes into account the whole of your wealth, not just your investment portfolio.

As well as an annual meeting (usually conducted in person) and annual suitability review, the service includes a financial plan, to help chart and guide your progress relative to your personal objectives. This can also include an annual consolidated wealth statement showing your overall net worth.

In addition to you and your spouse or partner benefiting from the service your children under the age of 18, and adult children aged between 18-24 can be included in the service. This will provide them with a solid financial start to life.

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FAMILY FINANCIAL PLANNING

An ongoing advisory service that considers not only the whole of your wealth but also that of your wider family, including adult children of any age and your grandchildren under the age of 18. This service is designed to support you if you are looking to successfully pass wealth on to future generations over your lifetime and upon death, to provide you and your family with continuity of planning and service.

As well as an annual meeting (conducted in person), annual suitability review, an update to the initial financial plan and consolidated wealth statement, an optional additional meeting (perhaps with other third-party professionals, to ensure a joined-up approach to your family’s planning) is available on request.

ONE-OFF FINANCIAL ADVICE

Your financial planning team

You will be looked after by a small team that knows you and your personal situation. Your financial planner will be your key contact. You will be supported by members of the team and they will often attend meetings. The team also has access to a range of in-house experts, researchers and analysts who they can call upon when needed or to at-tend meetings when required.

William Evans

Senior financial planner

William Evans

Senior financial planner

London

William is a Chartered Financial Planner with the Chartered Insurance Institute, a member of The Society of Trustee and Estate Practitioners and is in the process of becoming a Fellow of the Personal Finance Society.

He joined Rathbones in 2017, from Lansdown Place Wealth Management, where he spent time advising clients on all aspects of financial planning.

William has experience in providing holistic financial advice to a wide range of individuals, families, trusts and business owners. He helps clients across a broad range of areas including protecting their wealth, investment and retirement planning, and succession and inheritance tax planning.

He joined Rathbones in 2017, from Lansdown Place Wealth Management, where he spent time advising clients on all aspects of financial planning.

INSIGHTS

29 April 2024

Review of the week: Taking stock of GDP

The great uncertainty over whether and when US interest rates will fall took a twist with first-quarter GDP. Much slower growth, offsetting dynamics and higher inflation are creating a puzzle.

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5 mins

25 April 2024

Responsible investment report for 2023 activity

Explains how we invested, engaged and voted with ESG issues in mind.

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1 min

22 April 2024

Review of the week: Spending the big bucks

The mean-average American family is worth $1 million after years of soaring growth, wealth and income. This matters for inflation, future interest rates and the strength of the dollar.

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5 mins

18 April 2024

Investment Insights webinar

Rathbones’ head of equities Sanjiv Tumkur and head of asset allocation Oliver Jones discuss the outlook for global growth. Greenbank’s head of ethical, sustainable and impact research, Kate Elliot provides insight into the likelihood of a change in political leadership and what this could mean for investments.

Find out more

1 min

Financial planning - THINKING AHEAD. WITH CLEAR FOCUS.

Financial Planning at Rathbones