HOW CAN WE HELP YOU?

We will complete an analysis of your financial position and compare this to your future outgoings – spending, gifts and taxation. Through this cashflow 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 behalf). Please note that this service does not include an annual update to the financial plan.

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. 

As well as you and, if applicable, your spouse or partner and your children under the age of 18, this service can also cover adult children aged between 18-25 to provide them with a solid financial start to life, as well as family trusts where you are either the settlor, person who sets up the trust, or lead trustee. 

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 in successfully passing 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

We also offer a one off advice service covering pensions, investments and protection advice. Please contact Rathbones Advice team for more information at RathbonesAdviceEnquiries@rathbones.com.