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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

Five Months Into The Year

Every year is different from what you expect, and that is particularly true in financial markets. It is easier to say over the first five months of 2022 which investment areas have lost you money, especially if you also factor in the enhanced inflationary backdrop. There will always be some element of volatility in financial market investment, but it still plays the most essential role in any pension fund portfolio or medium-term financial target. What really matters is maintaining confidence during times of uncertainty.

Raymond James Investment Services, proud to be in the heart of your community

Challenges and Opportunities in May

Whilst the spring weather continues to warm, plenty of financial sector issues continue to worry global investors across both equity and bond markets. Meanwhile heightened inflation levels continued to impact bank account balances, and the war in Ukraine has led to many tragedies along with heightened geopolitical, commodity and supply concerns.

Raymond James Investment Services, proud to be in the heart of your community

Matt Robinson: West Lancs Sprint Triathlon

West Lancs Sprint Triathlon was great fun and the perfect introduction to triathlons. I’d recommend it to anyone who fancies having a go. Luckily, I was sat next to a veteran Iron Man athlete on the poolside pre-race, who talked me through his strategy, which calmed my nerves and set me up for a successful day.

My swim was composed, my cycle felt good… then the run was absolute murder! I completed it in 1h 5m 02s, placing 42nd out of 481 finishers, which I’ll take for my first go-out! I’m looking forward to the next one…

Dan’s 15,000 Tandem Skydive

Dan’s 15,000 Tandem Skydive

Back in March, my brother and I completed a 15,000ft tandem skydive at Black Knights Parachute Centre.

The whole crazy idea came from a wild joke, mentioned at the dinner table for my brother’s birthday and concluded with us both throwing ourselves out of a plane.

The entire experience was adrenaline-packed, from getting onto the plane to the first look down at the edge, it was by far the most extreme activity I’ve completed to date.

However, the sky was clear, and the day was warm, and I’d recommend it to anyone who fancies the experience.

Raymond James Ribble Valley Investment Strategy Quarterly.

Come Together

It has been 60 years since the Beatles signed their first record deal. The rock group from Liverpool dominated the industry for nearly a decade – and long after that as individual performers. John Lennon, Paul McCartney, George Harrison, and Ringo Starr created timeless tunes and memorable messages that we can borrow today to portray our economic and financial market outlook.

Raymond James Ribble Valley. The Spring Statement. March 2022

The Spring Statement: The Detail Behind The Headlines

If a week is a long time in politics, then the near five months since Rishi Sunak’s second 2021 Budget feels close to a lifetime. Back on 27 October, it looked like 2022 would be a year of recovery in which the pandemic faded in the rear-view mirror and ‘transitory’ inflation duly transited to lower levels. It has not worked out like that.

Ribble Valley Raymond James Investment Market Commentary - Citizen of the world - March 2022

Citizen of the World

Events in Eastern Europe over the last week have correctly dominated TV, radio, newspaper and online news. It also meant that almost all equity or bond investors made losses during February, many for the second consecutive month unless – like the U.K. equity market – there was high proportional exposure to commodity sector shares.

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