Financial planning

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

Thinking ahead. With clear focus.

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.

WEALTH MANAGEMENT FESTIVAL

Helping you protect and maximise your wealth

9 – 13 OCTOBER FROM 12:00 TO 12:30

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HOW CAN WE HELP YOU?

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 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.

Emma Watson

Head of financial planning

emma.watson@rathbones.com

Emma Watson

Head of financial planning

London

Emma joined Rathbones in July 2016 as Director of financial planning strategy to oversee the growth of the financial planning team and the development of the strategy. In October 2018 she became the Head of financial planning and has overseen a period of growth with the size of the team more than doubling.

Emma has over 20 years’ experience in financial planning having initially worked in the Financial Planning division of EY and subsequently spent 12 years at Towry where she carried out a number of different roles, seeing the business grow from 40 people to over 1,100. Emma has a degree in linguistics from Reading University and is a Chartered Financial Planner.

Paul Sayers

Senior financial planner

Paul.Sayers@rathbones.com

Paul Sayers

Senior financial planner

London

Paul is a Chartered Financial Planner with over 25 years’ experience.

He provides financial advice for clients and their representatives, enabling them to make informed decisions to ensure they maximise their lifestyle without jeopardising their future security.

Paul is a member of the personal injury and Court of Protection team, providing financial advice and tax structuring for personal injury claimants and clients in later life, working with Court of Protection deputies, trustees and individual clients.

In his spare time he is a director for Cranleigh Riding for the Disabled.

Paul is a Chartered Financial Planner with over 25 years’ experience.

He provides financial advice for clients and their representatives, enabling them to make informed decisions to ensure they maximise their lifestyle without jeopardising their future security.

In his spare time he is a director for Cranleigh Riding for the Disabled.

Bradley Wright

Financial planner

Bradley.Wright@rathbones.com

Bradley Wright

Financial planner

London

Brad joined Rathbones as a financial planner in 2021 following a move cross-country to London from the south-west and specialises in providing advice to clients and their representatives within Rathbones’ Court of Protection team. With over 8 years’ of experience within the financial planning and wealth management profession, he brings a range of experience from a career spent at large regional firms in a variety of different roles and is passionate about delivering the right outcome, providing tailored financial advice and tax structuring for personal injury claimants and clients in later life.

Brad holds a master’s degree in Commercial Law from the University of Edinburgh and prior to this, gained a first class honours degree in European Business Management.

INSIGHTS

2 October 2023

Review of the week: Uncertainty spreads

Central bankers in the US and UK decided interest rates shouldn’t go higher in September; bond investors disagreed.

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Get financially fit for retirement on-demand

Everyone has questions about their retirement. How much will I need to save? When can I start drawing an income and how much will I get? Is my pension pot big enough?

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2 October 2023

Quarterly Investment Update video Q4 2023

In hindsight we underestimated the resilience of the global economy in 2023 and could have advocated taking more risk. But as Rathbones’ Co-CIO Ed Smith explains in this video, global earnings have been falling since January and equity markets have been largely driven by sentiment.

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1 min

28 September 2023

Quarterly Investment Update Q4 2023: Entering the midnight zone

The darkest hour for economic indicators is still approaching; then comes the dawn.

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Financial planning

Thinking ahead. With clear focus.

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.

WEALTH MANAGEMENT FESTIVAL