Our strength lies in our relationships with our clients, and that's all about people. Over the last forty years, the firm has expanded and developed the services that we offer to our clients. We have recruited highly qualified individuals that bring with them not only experience and knowledge but also attributes that compliment each other and this has lead to the development of a successful team - a recipe that our clients like.
Rainbourne Associates adopt a six step process in formulating our solutions for you.

Initial Meeting

The initial meeting is at our expense. We will take this opportunity to get to know you and get a full understanding of where you currently stand financially and your objectives for now and in the future. The fundamental principle of providing effective advice is having as much information about you as possible. This is to ensure that whatever advice we provide is suitable for your needs and does not hinder any other planning that you may have in place already.

During this meeting we will also take time to establish your understanding and attitude toward investing, including the amount of risk that you are prepared to take and can comfortably tolerate. There is a balance here that we are trying to achieve as we want to ensure that our clients are comfortable with investing and can sleep easily at night. Everyone is different so it is important that we get this right.

Analysis of your Needs and Research

After we have held our initial meeting, we will analyse your current situation and issue a Statement of Engagement detailing the services that we will provide and the cost as discussed in our initial meeting. We will not commence work until we have agreed the services that we are to provide and the cost so you can be assured that you will not be incurring expenses unknowingly or unnecessarily.

When researching your present financial position, this may involve requesting information from your existing investment providers which we will analyse the ongoing suitability of what you have in place.

In addition, we will research solutions as well as investments to meet your requirements. Our investment philosophy is to provide clients with a diversified portfolio as this is one way of spreading investment risk. We prescribe to extensive research that enable us to monitor investments and analyse funds that will help us devise a suitable portfolio for you. Whilst we cannot eliminate investment risk as nothing is guaranteed, we can try and manage the risk through our processes.

Once we have designed a suitable solution for you, with the appropriate investment portfolio, we will then provide a recommendations report for your consideration.

Recommendations Report

This will detail your current financial position; clarification of your attitude toward investment risk and your objectives and priorities. We will then detail the ongoing suitability of what you have in place already and any changes we would recommend alongside our solution to your needs and objectives, including a bespoke portfolio for investments taking your requirements, albeit for income, capital growth or both. The report will also detail your protection needs and address areas that may be of future concern.

Recommendations Meeting

Once you have had time to digest our report, we will hold a further meeting with you to discuss this in detail including any questons that you may have. If necessary, we may make adjustments to the plan if during this period you have had a change of circumstances or re-evaluated your priorities. Once the strategy has been agreed, we will then move to the implementation stage.

Implementaton

At this point, we will assist with the necessary paperwork and provide guidance as well as all the administration that is needed in order to put the financial plan in place. Depending upon the nature fo the work, this can be implemented effectively and quickly, or if underwriting is involved, such as required for life assurance or other protection plans, we can make the process as smooth as possible for you by liaising with the providers to ensure that your application is dealt with quickly and efficiently.

Annual Review

Putting the financial plan in place is not the end of the story. It is important to review your plan on a regular basis, usually annually or more frequently if desired, to help ensure that it remains on track to meet with your objectives. We will then analyse the investments and put forward recommendations to ensure that the plan remains suitable within your risk tolerance which may mean rebalancing the portfolio, or changing some of the investments in line with our Investment Selection Process. We help you to get a better understanding and keep on track with your planning.

Rainbourne Associates has always believed that clients should be clear on what they are paying for, how much they are paying and their payment options. The fee will be dependent upon the amount and complexity of the work that you require us to do for you and will be discussed and agreed at outset. There are a number of options available to you and we will have this discussion with you at our initial meeting, which is at our expense, as to how you would like to pay for our services, either directly or facilitated by the investment . Once we have agreed the level of work and cost for this to be undertaken, we will issue a Statement of Engagement which will clearly lay out the services we will provide for you and detail the cost so that everything is transparent and you have a good understanding of what we will do for you.

Meet our Team

  • Stewart Turner

    Stewart has been a Director of the firm since 1986.   With over 35 years experience in the industry encompassing both an Insurance Company background as well as within the Independent Financial Advice sector, this wealth of knowledge has been an effective force in helping develop the business into what it is today. Stewart’s expanse of knowledge and his approach to financial planning has engaged clients who see him as an integral part of their strategy in reaching their goals. He takes pride in his work and strives to develop relationships and trust which he sees as fundamental in the advice process.

    Tel: 01795 475559Email Me
  • Darren Revell

    Since leaving University, Darren joined the firm in 1996 following in his father's footsteps, who has since retired from the business.  Darren has been providing financial advice since 1997 helping corporate and personal clients achieve their goals through careful planning.   In order to help assess progress towards achieving their objectives an annual review is an integral part of the service provided. The annual review is a time to alter investments within portfolios and discuss around future needs and wishes. Over the years, this success has led to many clients referring their friends and family to Darren which is testament to the trust and confidence that Darren has developed and his success as a Director of the firm.

    Tel: 01795 475559Email Me
  • Christina Hinks

    After 20 years successfully advising in London, Christina joined the firm in 2006 in order to ‘calm down’ and spend more time with her family. However, this has not always been the case!  Christina has successfully integrated within the firm bringing her innovative and forward-thinking approach to the firm, not only in her capacity as Compliance Manager but also in her role as financial adviser, Investment Researcher for our Centralised Investment Process and the firm’s accredited Pension Specialist. Christina has a wealth of experience from an Insurance Company and Advisory background as well as having worked closely with professional introducers which have all attributed to her success and breadth of knowledge.

    Tel: 01795 475559Email Me
  • Nadine Hamel

    Nadine has been with Rainbourne since 2008 as a Life & Pensions Administrator, however, since the birth of her Son has reduced her hours and role to a part-time as administrator/receptionist for the firm.  Nadine has been working in the IFA sector since leaving school having spent many years working closely with one of Kent’s leading IFAs who sadly is no longer with us. Nadine continues to assist the advisers and administrators in their day to day roles and brings her all round knowledge to the firm. Nadine is an enthusiastic and helpful member within our team having received a number of testimonials from our clients who have acknowledged her willingness and helpfulness to provide the level of service that they expect.

    Tel: 01795 475559Email Me
  • Jo Lynch

    Jo joined Rainbourne in 2017 and has over 30 years experience in Financial Services, both from an Insurance Company background as well as an Independent Financial advisory firm.   Jo has a selection of professional qualifications under her belt and this knowledge and experience has led her to become a valuable member of the senior administration team.  Jo particularly likes working for a smaller organisation as she enjoys the administration side of the job, as well as developing close professional and friendly relationships, not only with the team here, but also with clients. 

    Tel: 01795 475559
  • Iain Bowie-Pudduck

    Iain joined Rainbourne in 2018 to improve his ‘all-round’ financial services knowledge as a Report Writer/Trainee Paraplanner.  Iain has successfully worked for larger organisations with a background predominately in Pensions for over 20 years and is well on the way to becoming qualified, equivalent to adviser status with several examinations under his belt.  Iain is a very helpful and valuable addition to our team as he strives to improve his knowledge which he thinks is tantamount to clients receiving, and continuing to receive professional, all-round good advice.

    Tel: 01795 475559
  • Louise Brown

    Louise is the newest member to our team and has been recruited for her professionalism and experience having worked for both an Insurance Provider and for an Independent Financial adviser over a number of years.  Louise’s knowledge, as well as her drive and enthusiasm to provide a first class service for our clients is a welcomed addition to our client support team.

    Tel: 01795 475559Email Me

Call us today on

01795 475559

or complete our short enquiry form
and we'll be pleased to help you.

Rainbourne Associates (Financial Services) Limited, The Stables, Hengist Field, Oad Street, Sittingbourne, Kent, ME9 8LT

Registered office address: 4th Floor, 4 Tabernacle Street, London, United Kingdom, EC2A 4LU

Registered in England and Wales under reference 00997002

Rainbourne Associates (Financial Services) Limited is authorised and regulated by the Financial Conduct Authority (FCA)

Rainbourne Associates (Financial Services) Limited is entered on the Financial Services Register (https://register.fca.org.uk/s/) under reference 136529

The Financial Conduct Authority does not regulate taxation advice and deposit accounts.

 

 

 

The guidance and/or advice contained within the website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK

 

Impartial Information and tools from the  FCA’s consumer website The Money Advice Service