Business Details
7 Years
experience
Your Trusted Financial Advisers in Pitsford
Established in 2019, Rafter Associates is an independent financial planning firm authorised and regulated by the Financial Conduct Authority. Our team of experienced financial planners employs a structured three-step process - Plan, Implement, and Review - to deliver tailored financial solutions for individuals and businesses. We specialise in holistic financial planning, investment management, retirement strategies, and estate planning, ensuring our clients' financial objectives align with their personal goals.Our bespoke approach combines comprehensive cash flow modelling with risk assessment and tax-efficient strategies, supported by robust administration systems. With offices in Pitsford, we prioritise long-term client relationships through regular portfolio reviews and transparent communication, adhering to the highest regulatory standards.
Services
Financial Planning
Portfolio Management
Pensions Advice
Inheritance Tax Planning
Estate Planning
Retirement Planning
Investment Management
Risk Assessment
Tax Efficiency Strategies
Cash Flow Modelling
Details
- Year established: 2019
Highlights and features
- We are authorised and regulated by the Financial Conduct Authority (FCA)
- Our three-step financial planning process ensures comprehensive strategy development
- We offer tailored investment management services aligned with individual risk profiles
- Our holistic approach combines cash flow modelling with tax-efficient strategies
- We provide ongoing portfolio reviews to adapt to changing circumstances
Associations and certifications
- Financial Conduct Authority (FCA)
Services
Financial Planning
Our financial planning service creates tailored roadmaps to achieve personal and business financial goals. We analyse current financial positions, develop strategic plans, and implement solutions through budgeting, saving, and investment strategies. Regular reviews ensure ongoing alignment with changing circumstances and market conditions.
Portfolio Management
We offer non-discretionary portfolio management services that require client approval for all investment decisions. Our approach focuses on strategic asset allocation, risk profiling, and regular portfolio reviews to ensure investments remain aligned with financial objectives and market opportunities.
Pensions Advice
Our pensions service provides comprehensive guidance on retirement savings strategies. We help clients optimise pension contributions, manage pension transfers, and develop tax-efficient retirement income plans. This includes advice on various pension types and income drawdown options to ensure financial security in retirement.
Inheritance Tax Planning
We specialise in minimising inheritance tax liabilities through strategic estate planning. Our services include assessing potential tax liabilities, recommending tax-efficient investment structures, and developing succession plans to ensure smooth asset transfer to beneficiaries while maintaining compliance with current tax regulations.
Holistic Financial Planning
This integrated service combines multiple financial aspects including risk management, tax planning, and cash flow analysis. We create cohesive financial strategies that address all aspects of wealth management, ensuring coordinated approaches to achieving long-term financial objectives while maintaining flexibility for life changes.
People
Neil Rafter
Managing Director and Financial Planner
BSc (Hon) DipPFS Cert SMP EFA qualified, Neil leads our financial planning team with over 20 years' experience in delivering tailored investment solutions and retirement strategies.
James Pulham
Director and Chartered Financial Planner
BSc (Hon) FPFS EFP qualified, James specialises in complex financial planning cases and provides expert guidance on tax-efficient investment structures and estate planning solutions.
Joe Swanwick
Chartered Financial Planner
BSc (Hon) FPFS EFP qualified, Joe focuses on helping clients achieve long-term financial security through strategic investment management and comprehensive retirement planning.
Questions
What financial planning services do you offer?
We provide comprehensive financial planning services including retirement planning, investment management, pensions advice, and inheritance tax planning tailored to individual client needs.
Are you regulated by any financial authority?
Yes, we are authorised and regulated by the Financial Conduct Authority (FCA) under reference 116031.
How does your investment management service work?
We offer non-discretionary portfolio management where we consult clients before implementing any investment decisions, ensuring alignment with their financial objectives and risk profile.
What areas do you cover?
Based in Pitsford, we serve clients throughout the UK with both in-person and remote advisory services.
How often are financial plans reviewed?
We recommend regular reviews at least annually, or more frequently if significant life changes or market developments occur.
What makes your financial planning approach unique?
Our holistic approach combines cash flow modelling, risk assessment, and tax efficiency strategies to create comprehensive, tailored financial solutions for long-term success.
