Independent financial advisers in Marlow.
Financial planning underpins all that we do, and our aim is to help you make informed decisions about your financial future.
- Founded1993, in Marlow
- Based atRegency House, Mere Park
- Regulated by the FCAFirm reference 457658
- ClientsLondon and the south-east
- GrowthAlmost entirely by referral
Advice led by service, not by products.
We have always worked on the basis of offering independent financial advice to our clients in a professional manner akin to that which would be expected from a professional firm of accountants or solicitors.
RBS Associates, on how the firm works
Our business was established in 1993 by Alan Richardson, Paul Belcher and Mark Spurling as Partners. The name of the firm was derived from the first initial of each of the Partners’ surnames.
We were determined to build our business based on a service led proposition in order to differentiate ourselves from those firms that focus on the sale of products.
Our firmWhat we advise on
Six areas of advice, each explained in full on its own page.
Financial Planning
Financial planning underpins all that we do, and our aim is to help you make informed decisions about your financial future.
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Savings & Investments
Saving and investing are often thought of as being the same thing, but they are different, and we aim to understand how each is to be used in our clients’ individual circumstances.
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Pensions
For most people pensions form a central part of their retirement planning and are designed to provide an income in retirement as well as, often, a tax free cash lump sum.
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Equity Release
Equity release is a special type of mortgage that lets you access the money tied up in the value of your home and RBS Associates will continue to provide advice for clients wishing to investigate Equity Release mortgages.
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Mortgages
Whether you are a first-time buyer, moving home, looking to remortgage, purchase a second home or even looking to purchase a property to let, selecting the right mortgage for your circumstances is critical.
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Protection
Protection planning is a core part of building a resilient financial future.
Read moreCash flow modelling puts numbers on your goals.
Wherever possible, we aim to use ‘Cash Flow Modelling’ with our clients which helps us to identify what their assets might be able to provide in the future and perhaps how their liabilities impact upon their goals.
- ‘What If?’The beauty of the modelling is that it allows us to create ‘What If?’ scenarios to see how making simple changes might affect the long-term position.
- Every reviewWhen incorporated into ongoing reviews, it also helps us to easily see how the situation changes from year to year.