Secure your financial future.
IN PARTNERSHIP WITH TAVISTOCK
Raffingers Wealth Management is our joint venture partnership with Tavistock Private Client Limited.
The partnership brings together the tax planning, accountancy and advisory expertise of Raffingers and the wealth management expertise of Tavistock, ensuring our clients and future clients get the best of both worlds all under one roof.
Whether it is your family, loved ones, or your business interests, we will make sure that the everything that matters most to you are taken care of - whatever life throws at you. You’ll find our ‘one-stop shop’ approach leads to a truly personalised service, giving us the opportunity to understand your goals and challenges which in-turn enables us to provide highly relevant, valuable advice.
At all times you will receive personalised, independent advice – as ‘hands-on’ or ‘hands-off’ as you like.
Raffingers Wealth Management is a trading style of Tavistock Private Client Limited which is authorised and regulated by the Financial Conduct Authority. FCA Registration 210782. Tavistock Private Client Limited is a wholly owned subsidiary of Tavistock Investments Plc. Registered Office address is 1 Bracknell Beeches Old Bracknell Lane Bracknell RG12 7BW. Registered Number 04298592. The FCA does not regulate tax, estate planning or cash flow modelling.
MAINTAIN THE LIFESTYLE YOU DESIRE
Financial planning is about much more than investing to grow wealth or create an income. We can help you to ensure that your family is protected if something happens to you. We will also help you to pass on as much of your estate as possible, using the allowances the government has put in place, so that your money will go to the people you want it to.
The starting point for any conversation about your financial future however, is establishing what you really want to achieve. For some people this is crystal clear however, for others it is more vague. At Raffingers Wealth Management, we understand how to have the conversations that will help you identify a way forward, and then work with you to bring that plan to life. Once we have gained a clear understanding of your plans and strategies, we use sophisticated Cash Flow Modelling to create an ever evolving vision of your financial future.
Where To Begin?
You know you want to make the most of your money. You may know what you want to do in your life. You might not have put those two thoughts together. We will take the time to understand your circumstances and your aspirations. These are some of life's most important conversations, so you want to get off on the right foot.
What Is Right For Me?
When it comes to planning finances, there is no one way that is right for everybody. Which is why we deal with a wide range of products and providers. By exploring your options and drawing on our knowledge and experience, you can be confident that the plan we build together will deliver what you need it to.
How Do I Stay On Track?
Life rarely stands still. Priorities shift, circumstances change, opportunities come and go and plans need to adapt. Regular discussion is the key to keeping on top of things. We will work with you to adapt your plans when things change, to keep you on course for your destination.
AREAS OF EXPERTISE
We deliver advice on all of your financial planning needs. This includes advice on:
Business, Individual and Family Protection
Whatever stage you are at in your life this service is critical for ensuring that your family is protected, and your business covered should your circumstances change.
All investments should be entered into cautiously. We are able to provide objective advice on any investment products to ensure you pick the investment that is right for you and your future goals.
We all have ambitions for our lives after work - things we want to do, places we want to see, people we want to spend time with. To achieve your goals, you need to have financial plans in place that will provide the income you need. It is imperative your wealth lasts as long as it needs to, whether you need to anticipate future care needs, or how much you might want to pass on to your family. Striking the right balance means weighing up many options. We can help you consider your priorities and make the decisions that are right for you and your family.
Trusts are a useful tool in asset protection and estate planning. We will explain to you in simple terms how trusts can assist with your financial planning and wealth preservation down the generations.
Estate planning is recommended to prevent uncertainties over the administration and distribution of your estate. We are also able to help you maximise the value of your estate and ensure that you are not subject to high taxes.
Long Term Care
In the event that you need immediate long-term care or are simply planning for the future, we will recommend the most suitable investment for you so that you do not have to worry about future care fees.
You have worked hard to build your wealth so do not let HMRC become the biggest beneficiary of your estate. Early planning is key to ensure your hard earned wealth passes to your loved ones in a tax efficient way. Our planners will build a tailor-made succession plan based on your individual circumstances to make sure you pass it on to the next generation securely and efficiently.
Many people don't want to downsize from the house they have lived in, but sometimes it can be your biggest asset. Equity Release can provide the solution to this dilemma as it can facilitate gifts to your loved ones or supplement income in the later years.
We will gain a detailed understanding of “where you are now” and “where you want to be” as well as determining your attitude to risk; enabling us to:
Identify your short, medium and long-term goals and help you to develop a plan to achieve these goals.
Bring this together into a personal financial plan, using a sophisticated personal cash flow modelling tool.
Review your plan regularly to ensure you stay on track to achieving your goals or can make any necessary changes in response to changing circumstances.
By taking a holistic approach, the financial needs across the different stages of your life can be catered for.
Investing for your future.
Protecting yourself and your love ones.
Planning for retirement.
Managing your retirement income.
Passing on your wealth to your loved ones in the most tax efficient way.
WEALTH MANAGEMENT HELP SHEETS
- Retirement CalculatorUse this tool to calculate any additional payments that may be required to fund your retirement goal.
- What If Scenarios
- Concerned About Your Investments?
- Retirement Planning For Business Owners
- Pension Comparisons
- Creating Your Will - Client Questionnaire
- Who Will Inherit Your Wealth?Find out with our intestacy flow chart.
YOUR WEALTH CHAMPIONS
Paul qualified in 1990 and took over the firm of Alexander Ash & Co in 1997. Alexander Ash & Co merged with Raffingers in September 2014. Over the years, Paul has had extensive experience in the SME sector, advising business owners on all aspects of their business needs and personal wealth management. Paul deals with a range of clients across a variety of sectors, varying from small to large groups
Andrew after leaving an early career in law has spent his whole financial services career working within an accountancy practice since 2006. Andrew is a one of around 2000 CFP professionals in the UK and is a Chartered Member of the Chartered Institute for Securities & Investment. Andrew’s particular specialisms are individual tax and lifetime financial planning. Andrew is also our occupational pension specialist and can provide final salary pension advice to trustees and individuals.
Since 1997 Laurence has continuously worked in financial services with careers in New York, Ireland and the UK. Laurence has previously been awarded the Gold Medal for the highest results in the Irish QFA (Qualified Financial Adviser) exam. Laurence specialises in developing full financial plans for his clients. He also has specialised qualifications in Equity Release and Later Life advice such as Long Term Care Planning.
THE RAFFINGERS HUB
We love to talk business and will continue to share with you our business advice and tax planning strategies, helping you to get the most out of your business and your personal finances.
- Securing Your Financial Future: Pension Planning
In this article we consider how, if used properly with a bit of creative thinking, Pension Planning can be a very good tool and should be very much something to consider when looking at your wealth management and retirement planning.
- Securing Your Financial Future: Protecting Your Loved Ones
We would all be keen to protect our loved ones should the unthinkable happen – be that not being able to work due to injury or illness, suffering from a critical illness or even death. But how many of us put it off thinking it won't happen to us?
- Financial Planning Ideas That Every Business Owner Should Be Thinking About
For many owner managed businesses (OMB), things have been a real struggle through lockdown. But as things gradually open up and business improves, it’s important to make sure you are doing all you can to take advantage of what is available.
- How to Nail Your Exit Strategy
The purpose of this blog is just to provide a basic overview and does not in any way try to discuss any of the tax considerations, which further advice would need to be obtained.
Securing Your Financial Future: Raffingers Wealth Management
Our Secure Your Financial Future – Wealth Management series will provide you with proven methods that will help them achieve the following:
Make sure that your family, loved ones and business interests are taken care of - no matter what life throws your way.
Ensure you are utilising the best wealth management methods, such as equity release or investments.
Ensure your wealth lasts as long as they need it to.
- Securing Your Financial Future: TrailerTuesday 3 November 2020Introducing Raffingers Wealth Management
- Ensure your family is protected, and your business covered.Friday 6 November 2020Securing Your Financial Future: Episode 1
- How to invest for your future.Friday 13 November 2020Securing Your Financial Future: Episode 2
- What does life after work look like for you?Friday 20 November 2020Securing Your Financial Future: Episode 3
- Ensure your family benefit from your hard-earned wealth, not HMRC.Friday 27 November 2020Securing Your Financial Future: Episode 4
- Estate planning options.Friday 4 December 2020Securing Your Financial Future: Episode 5
- Trusts.Friday 11 December 2020Securing Your Financial Future: Episode 6
- Equity Release.Friday 18 December 2020Securing Your Financial Future: Episode 7
JOIN THE RAFFINGERS TRIBE
Tired of searching endlessly for blogs, books and emails that you hope will help you solve your business problems? Don’t worry, we’ve got your entire business journey covered. From how to secure funding and manage cashflow, right through to succession planning and everything in between. Sound good? Join the Raffingers Tribe to gain access to an ever-growing library including:
- Exclusive tribe events
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- A variety of articles covering all things business