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.

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.

_{^{These services are provided by Rathbones Financial Planning. Not all services are regulated by the FCA/PRA.}}

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

Estate planning

Successful estate planning means thinking about how you would like to pass on your money and assets to your children, any other beneficiaries or dependants, and the causes you care about as part of your long-term financial plan. It’s important to think ahead, explore all your options, including gifting allowances, involving your family and understanding the implications of not making any plans.

Explore your options

Financial planning advice for lawyers

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.

Nick Rich

Financial planner

Olly Cheng

Financial planning director

Patricia Newell

Associate Financial Planning Director

Get In Touch

Current Your Details
More about you
Protecting your data

I am a/an

Individual

Charity Trustee/ Member

Financial Adviser

Title

First Name

Last name

Phone number

Postcode

Preferred office

Investment Amount

Reason for enquiry

Title

First Name

Last name

Phone number

Postcode

Preferred office

Investment Amount

If you need immediate assistance, please don't hesitate to call our Helpdesk at 0800 151 3355. We're available Monday to Friday, from 8am to 6pm (excluding bank holidays), and we're here to help with any questions or issues you may have.

If you're interested in registering for MyRathbones, please reach out to your investment manager directly. For more information on MyRathbones, you can visit our website here.

If you are an existing client, please contact your investment manager or financial planner directly to address your query or visit ⁠our people page.

Title

First Name

Last name

Phone number

Postcode

Preferred office

Investment Amount

INSIGHTS

28 March 2025

Quarterly Investment Update Q2 2025: Separating uncertainty from risk as we prepare for what's ahead

When it comes to managing wealth, there is a big difference between the concepts of “risk” and “uncertainty”. Risk is deemed to be quantifiable in some way, allowing managers to construct portfolios with the right balance between assets and the right mix within those asset classes. At least then we might have some idea of the potential gains and losses to which clients are exposed.

Find out more

12 mins

Big Ben in background with spring time daffodils in focus in the foreground

26 March 2025

A spring statement on fiscal discipline

Chancellor Rachel Reeves today prioritised fiscal discipline, leaving intact the near-term outlook for positive, though weak, growth.

Find out more

8 mins

26 March 2025

Are you aware of the 60% income tax trap?

Brits are paying ever more in taxes, but that doesn’t mean you have to. With a bit of care and maybe some advice, you could avoid paying thousands of pounds more than you would otherwise.

Find out more

3 mins

24 March 2025

Review of the week: Borrowing rises ahead of UK Spring forecast

The government is poised to cut public spending. Will its Spring Forecast also tinker with taxes and borrowing? If so, UK government bonds could bear the brunt.

Find out more

5 mins

Search

Search

Financial planning - THINKING AHEAD. WITH CLEAR FOCUS.

Financial Planning at Rathbones

HOW CAN WE HELP YOU WITH YOUR FINANCIAL PLANNING ?

INITIAL ADVICE AND PLANNING

FOCUSED FINANCIAL PLANNING

HOLISTIC FINANCIAL PLANNING

FAMILY FINANCIAL PLANNING

ONE-OFF FINANCIAL ADVICE

Estate planning

Financial planning advice for lawyers

Financial Planning Hub