Rafter Associates Financial Management

read moreMost of our clients, take a balanced approach to investment. As the name, balanced, indicates, a balanced approach, is a combination of growth investing and income investing. We believe investors are well served, as they age, by employing both strategies. A balanced approach means you get some long-term inflation protection and capital appreciation through the higher risk, higher reward growth investments. Meanwhile, the income generated through solid dividend-paying shares, together with Fixed Interest and some alternative investments means you get some stability in your portfolio.

read moreThe plan is in effect, a financial road map, showing how all of the proposed actions will help you to achieve your desired lifestyle, which for most is a case of living your own version of the good life. IMPLEMENT - at the core of the "Implement" stage are the range of specially negotiated specialist services, which we have developed over the years. Investment Management service, Retirement Planning service and our Wills and Estate Planning service. We will guide you through the full implementation process and explain everything in detail.

read moreTax could be one of your biggest single costs. So it is not surprising that tax planning is one of the key aspects of formulating a financial plan. There is often a considerable amount that can be done to reduce the impact of taxation. The taxation of investments has never been a simple matter. In recent years it has become more complex as successive governments have chosen to tax different sources of investment income in different ways, mostly with the aim of adding to the Exchequer's coffers.

read moreAs a child I dreamed of many different things that I would like to be when I grew up, from an Army officer to a clinical psychologist. However, all these dreams had one common theme, my desire to help people. It is this desire that drives me forward and through my work at Rafter Associates Financial Management Ltd (RAFM) I get to fulfil this desire on a daily basis. Whether it be by arranging financial products for clients to fulfil their needs and objectives or simply by sitting down with clients and helping them understand the position they are in and how they can get to the position they want to be in with our help and guidance.