Ribble valley Raymond James branch

Personalised Strategies For Business Owners & Entrepreneurs

The expert team at Raymond James Ribble Valley has extensive experience working with business owners and entrepreneurs, guiding them through the different stages of growing their company

As a business owner and entrepreneur, you’ve built something you care about – and you want to see it last. We understand. We’re well-versed in the challenges and opportunities before you. As your financial guide, we help you further your success by giving you the confidence to focus on what you do best.

You’ve refined the skills necessary to thrive in the marketplace and lived the continuous commitment that is running a business. 

Personalised Strategies for business owners and entrepreneurs

Like all business owners and entrepreneurs, you’ve learned that your personal and professional lives may intertwine in ways you had not anticipated. As your guide, we help you see all angles of the  bigger picture – important things like passing on a legacy to the next generation and helping to ensure your team have options for retirement planning.

Complex financial situations

We help you cut through the complexity of your financial situation to create, implement and manage an all-encompassing plan designed to pursue your goals – personally and professionally. Our strategies capitalise on our extensive resources and world class analysis and are customised to your needs. The result is a balanced plan combined with the details of how you picture your life.

We know from experience that you may face several challenges. The board room for small business owners can be a lonely place, so we aim to help you:

  • Ensure that you build up a tax-efficient fund for your retirement that closely matches your life goals and financial objectives
  • Undertake an in-depth review of your business and help implement a tailored financial plan
  • Invest spare cash in the business, above working capital, to produce a tax-free income
  • Help prepare you and your business for exit – including achieving financial independence – or having an effective succession plan in place to secure the future of your business
  • Put in place the right protection policies to safeguard you, your family and your business, from life’s unforeseen events such as serious illness or death.
Raymond-James-Ribble-Vally-Branch

Working with business owners

We have extensive experience working with business owners and entrepreneurs through the different stages of growing their businesses and supporting their personal lives. Whatever stage your business venture has reached, whether you’re established, growing, exploring your exit path or considering life after exit, we will support your growth.

To find out how our specialist team could help you, get in touch with us on 01772 780300 to book a free no obligation consultation.

Route 66 - Women in Financial Advise Awards 2022

Fulfil Your Dream With A Tailored Financial Plan

Tracey Board, co-founder of Raymond James Ribble Valley, advises on how you can achieve your dreams by having a tailored financial plan

I was really pleased to be nominated for the Women in Finance awards this year along with 767 women across 31 companies in the UK. These nominations celebrate the achievements of women working in financial services and aim to inspire and empower women to join an already dynamic sector that is constantly working to become more inclusive and accessible.

Financial Adviser of the year shortlist

So, you can imagine my delight when I was shortlisted as a finalist in the category of Financial Adviser of the year for the Northwest, along with seven other women.

As part of the process, I was asked to write a bio of my career and what makes me
a ‘stand out’ candidate. Many people in the area know that I am co-founder of Raymond James, Ribble Valley and have seen the business grow from a team of two – myself and the Branch Principal Wayne Hayhurst, when we were working on our kitchen tables back in 2010 –

to a team of 20 with the business buying the premises of the former Longridge NatWest Bank, during a time when the big corporations were, and continue to move away from face-to-face client relationships.

The longstanding relationships we have built In The local communities are at the heart of our success

Meeting Financial Goals

We have built our client relationships from the ground up, this has been through literally knocking on people’s doors, introducing ourselves and letting them know we were building a business in the Ribble Valley, to help people meet their financial goals. The longstanding relationships we have built in the local communities are at the heart of our success.

In my current role, I am responsible for business development and reaching a wide number of female business owners, professionals and investors to advise them and educate them on how to plan for their futures, arrange their assets and develop exit/retirement strategies.

I manage a large portfolio of clients, mainly females with the aim to ensure that they are on track to meet their financial goals, save tax and understand any shortfalls they have, or conversely, to give them the confidence that they can spend more, to live the life they truly desire.

Route 66 Moments

I am also there for support and guidance at vulnerable times, such as through divorce, when widowed or any drastic life changes. There was one particular instance in my career, that completely changed my outlook and made me realise how important my role is and that is my ‘Route 66’ moment.

It is so important for me to gain the trust of my clients and I become attached and involved in their lives. It had been one client’s lifelong dream to travel the Route 66 across America. They had the means to do this but not the mindset to spend or the confidence to eat into their savings. They had been ‘careful’ with money throughout their lives and ‘were not used to spending’ and as a result accumulated a large amount of wealth.

I would tell them to book the trip and explain that they could and should enjoy the hard-earned wealth they had amassed. Eventually, they did book the trip after a few years of procrastinating, and I was as delighted as them. The month before they were due to go, my client passed away from an aggressive form of cancer, it was heart-breaking. It was then that I realised it was my duty to ensure my clients got chance to take their ‘Route 66’ whatever that may be.

High-Tech Cashflow planning system

Our advice is not ‘finger in the wind stuff’, we have the technology via a state-of-the-art cashflow planning system, to be able to demonstrate to our clients exactly what they need to be saving and investing to fulfill their financial goals or how much extra my clients can spend year on year.

Team of Financial specialists

We have a team of in-house specialists, to help build our clients a tailored financial plan and bespoke investment portfolio, that is built around their individual goals and circumstances, whilst considering elements such as tax, annual allowances, current or future income needs, risk tolerance and risk required.

Nothing makes my job more than satisfying than working alongside my clients, helping them reach their life goals and living the life they dreamed. Please don’t hesitate to get in touch with me and the team at Raymond James for an initial consultation or simply to pick our brains.

You can imagine my delight when I was shortlisted as a finalist in the category of financial adviser of the year for the North West

Why It Helps To Speak With An Expert

Help! We all need it now and again. Our loved ones are usually the first we turn to for advice, but should they be the first port of call for financial guidance? The experts at Raymond James explain

We all have important financial decisions to make throughout our lives. Typically, as we get older, some of the major life choices we make become all the more critical. Decisions around your retirement planning could shape what the next three decades of your life look like, so it is imperative you get a professional second opinion.

“DECISIONS AROUND YOUR RETIREMENT PLANNING COULD SHAPE WHAT THE NEXT THREE DECADES OF YOUR LIFE LOOK LIKE”

Relying on informal chats with friends might not be the best idea when making important financial decisions.

While friends and family will do their best to help, they tend not to have the qualifications, knowledge and expertise that a professional financial adviser can offer. Have you ever tried fixing the toilet and flooded your lounge? Leave it to a professional.

You can get free guidance from places like Pension Wise, the Money and Pensions service or Citizens Advice. These sources are certainly useful but won’t get the personalised or in-depth recommendations you’d get from a financial adviser.

Here are a few reasons why you should consider speaking to an expert.

IT’S NOT ALWAYS EASY TO TALK ABOUT MONEY

This can be particularly true when going to your family for advice. Family members who’ve ‘been there, done that’ might speak from experience, but it’s likely times have changed since they needed to make the decisions you’re facing now.

ALTHOUGH YOUR FAMILY WILL HAVE YOUR BEST INTERESTS AT HEART, A FINANCIAL ADVISER IS MORE EMOTIONALLY REMOVED

Your family are also likely to be the ones you speak to at during difficult times, like after a divorce or the loss of a loved one. When major financial decisions need to be made, emotions are often running high, so it’s easy to take advice from family and friends just to get it off your plate.

Although your family will have your best interests at heart, a financial adviser is more emotionally removed. They can offer clear-minded advice that your family might not be able to. They’ll still treat your situation delicately, but they’ll be able to advise you objectively.

Ribble Valley Raymond James team offer impartial advice to give you the best financial advice possible.

YOUR SITUATION IS UNIQUE

Our finances are a personal subject, and it’s likely information like your salary and spending habits are only known by a select few. Because of our reluctance to share too much with our friends and family, they’ll never get the full picture. Any advice they give might not help your financial situation as much as you first thought.

A financial adviser is impartial and disconnected. This lets you share more detail with confidence. With an understanding of the full picture, an adviser can build you the most suitable and efficient financial plan and investment strategy.

Just because someone you know might have made money on an investment in the past, doesn’t mean it’ll happen again, or that it’ll form the best strategy for your own situation.

A financial adviser will consider your full financial circumstances now, where you want to be in the future, how to get there and stay on track. We also analyse things such as your previous investment experience, risk tolerance, tax allowances, life goals and timescales and knowledge.

CONVERSATION COSTS NOTHING

We offer a free initial consultation. The journey starts with a no-obligation call back or meeting with one of our qualified team members. They will initially help you decide if advice is right for you and answer any questions you might have. There is no pressure, no commitment and no obligation. You can then make the informed decision as to whether we are the right company for you to work with.

Contact us through our website today to book your free consultation.  or call us on 01772 780 300

Talk to us to start your journey and book a no-obligation consultation.
20/20 financial vision

Get 20/20 Financial Vision With The Right Expert Support

Get 20/20 Financial Vision With The Right Expert Support

Our finances touch nearly every aspect of our lives and going it alone can be difficult, so it makes sense to turn to experts who can support you in your decisions

Most of us start out thinking we can handle money decisions on our own. Then as our careers, lives and goals expand, we begin to wonder: Am I making all the right financial moves? Do I know enough to make smart investment choices that can help me meet my goals?

Even then, it often takes a major life event – marriage, retirement, an inheritance – to prompt us to look for help.

Having a trusted sounding board can help you take charge of your decision-making, rather than simply reacting when you’re forced to respond to unexpected financial challenges.

We share a few reasons why you should consider speaking to an expert.

20/20 financial vision

Risk Warning: Opinions constitute our judgement as of this date and are subject to change without warning. With investing, your capital is at risk

Finances can be stressful and tough to talk about

This can be particularly true when going to your family for advice.

Your family are likely to be the ones you speak to at sensitive times. When major financial decisions need to be made, emotions are often running high, so it’s easy to take advice from family and friends just to get it off your plate.

Although your family will have your best interests at heart, a financial adviser is more emotionally removed. They can offer clear-minded advice that your family might not be able to. They’ll still treat your situation delicately, but they’ll be able to guide you objectively.

Your finances are unique – and they are in your hands

Money is a personal subject, and it’s likely information like your salary and spending habits are only known by a select few.

Because of our reluctance to share too much with those closest, they’ll never get the full story. Any advice they give might not help your financial situation as much as you first thought.

A financial adviser is impartial and disconnected. This lets you share more detail with confidence. Being able to see the full picture, an adviser can bring you closer to the future you see for yourself in many ways. They will consider your full financial circumstances now, where you want to be in the future, how to get there, and how to stay on track. We also analyse things such as your previous investment experience, risk tolerance, tax allowances, life goals, timescales and knowledge.

Gain comfort, clarity and control over your financial life

No matter what stage you are in your life, there’s a lot to be said for being able to reach out to someone who can help you look beyond your immediate needs to help you build a strong financial future. When you work with a Raymond James adviser, you’ll always have someone you can turn to for advice as your life changes and you need to take a fresh look at your finances.

Contact us today, through the website, or call us on 01772 780 300

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