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.

Richard Nicholls

Financial planning director

Richard.Nicholls@rathbones.com

Richard Nicholls

Financial planning director

London

Richard is a graduate of the London School of Economics and has been working within the financial services industry since 2007. Since joining Rathbones in January 2009 he has successfully obtained Chartered status and is now a Fellow of the Personal Finance Society. Richard provides holistic financial planning to high net worth clients and has extensive knowledge and experience in advising clients on: their pensions and meeting specific retirement objectives; structuring investments to maximise tax efficiency; protecting themselves and their families in the event of death or long-term illness; estate planning and the mitigation of inheritance tax.

Tom Flanigan

Financial planner

Tom.Flanigan@rathbones.com

Tom Flanigan

Financial planner

Glasgow

Tom is a Chartered Financial Planner with 17 years financial service industry experience, nine of which as an Independent Financial Adviser servicing clients with a broad range of individual needs. He joined Rathbones in 2020 and is working towards becoming a Fellow of the Personal Finance Society.

Tom specialises in holistic financial planning including retirement strategies, pension accumulation, tax-efficient investment, estate and inheritance tax planning, and financial protection.

William Bartlett

Financial planner

William.Bartlett@rathbones.com

William Bartlett

Financial planner

London

William joined Rathbones in 2014 and is a Chartered Financial Planner and a member of the Chartered Insurance Institute (CII) responsible for delivering financial advice to his clients over a broad range of financial planning. He holds the Advanced Diploma in Financial Planning alongside the Certificate in Discretionary Investment Management and the Certificate in Securities Advice and Dealing. William’s aim is to make his clients’ lives easier by helping them structure their finances to provide peace of mind so that they are free to spend more time focusing on the issues in life that matter more to them.

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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6 mins

2 October 2023

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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1 min

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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11 mins

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