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WEALTH MANAGEMENT.

Secure your financial future.

WEALTH MANAGEMENT.

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.

  • Investments

    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.

  • Retirement Planning

    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

    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

    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.

  • Inheritance Tax

    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.

  • Equity Release

    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.

OUR PROCESS

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.

OUR APPROACH

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

YOUR WEALTH CHAMPION

WHAT THEY SAID:

We talk the talk and walk the walk.

WHAT THEY SAID:
  • I would never have known that I could reduce my IHT liability by so much if it wasn’t for Raffomgers. Their advice was invaluable and came at a testing time. Thank you.

    Ricky Jordan, UK Car Servicing
  • I know I am privileged to have such talented people helping me.

    Chris Burrow, CEO at C Burrow Consulting

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.

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    One question Advisors as myself often get asked by business owners is how much do you think my business is worth? There are also different valuation models that can be used why trying to ascertain the value of a business.

  • Is Equity Release Making a Comeback? Is Equity Release Making a Comeback?

    Over recent years, there has been more competition in the marketplace, and this has led to a good range of products and interest rates falling significantly – but we will discuss more on that later.

  • Andrew - Cloud Accounting Getting Your Personal Affairs In Order

    We are in strange unprecedented times at the moment and with no real exit strategy for the current crisis. One of the things you could look at during...

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