Floreat Finance Limited is proud to be a partner of M&G Wealth Advice. As a qualified Financial Advisor and Chartered Accountant based in South West London, Rebecca can advise on a range of carefully selected products from Prudential and other providers.
Rebecca qualified as a Chartered Accountant with Price Waterhouse in 1996 and went on to enjoy a successful career in the City as an equity analyst with ABN AMRO. The death of her father opened her eyes to how difficult navigating the probate process can be – and this was the catalyst for her to embark on a new career offering financial advice to maturer clients on later life issues such as estate planning, pensions, equity release and care home funding.
Rebecca offers a personal approach and wants to make the advice experience as relaxing and straight forward as possible for clients. She is happy to travel to clients’ homes for face-to-face meetings over a cup of tea (white no sugar please!) to ensure the experience is as stress free as possible.
Outside of work Rebecca is a trustee for Riding For The Disabled’s Knightsbridge Branch and is a Friend Of Richmond Park. She is married to Will, a City Financier and has 3 grown up children and 2 rescue dogs. She has a love of the outdoors and has competed at national level in horse riding and cycling.
Advice service
Managing your financial affairs can be a challenging and time consuming process. I recognise that many clients have little experience of, and interest in, financial matters and need a helping hand.
I can help clients navigate through the complexities of the financial system to help provide them and their families with a more secure and tax efficient financial future.
At 57, and with several financial professional qualifications, I have valuable life experience to offer clients. I pride myself in building and nurturing long standing trusted relationships and delivering a holistic approach to financial planning and wellbeing.
My advice covers a wide variety of personal finance areas including:
I have a particular interest in helping widows, who may have little experience of managing their finances and feel overwhelmed by the complexities of the financial and long term care systems. I believe it’s important to involve third parties, such as lawyers, accountants and family members, where appropriate, in all financial decision making.
The advice recommendations Rebecca makes are from a carefully selected range of products and funds. Using a focussed and controlled approach allows us to develop an in-depth knowledge of the products, so we can safely and confidently recommend a solution that’s right for you. This is known as restricted advice.
Accreditations : DipPFS, ACA, BSc
We all have things that are important to us. Even if it’s making sure your current standard of living lasts throughout retirement, it’s important to know where to start. We understand this isn’t always easy. And with so many options to choose from, it can often be difficult to know if you’re doing the right thing.
That’s where our advice service can help you make the most of what you have. We believe less can definitely be more. So the advice recommendations we make are from a carefully selected range of products and funds. Using a focused and controlled approach allows us to develop an in-depth knowledge of the products, so we can safely and confidently recommend a solution that’s right for you. This is known as restricted advice. We start by building a relationship with our clients, taking the time to get to know you and understand what’s important to you, so we can deliver advice that’s right for you. We’ll review your finances, understand the current plans you have in place and get a full picture of your financial situation - including what you’re looking to do in the future.
Our advice covers a range of financial areas, including retirement planning, protection, investments and estate planning. When it comes to helping you plan for your retirement, or enjoying it more if you’re already there, we can deliver advice that’s right for you.
And remember, our advice isn’t just for the wealthy. You don't need a large nest egg or lottery win to benefit from financial advice. We can help you with a variety of financial needs and make it as easy as possible for you to get the advice you need.
We can be as flexible as you need. We can meet in the comfort of your own home or wherever you'd prefer and at a time that suits you.
We'll support you in whatever way works for you, it doesn't have to stop at the first piece of advice we give you. If you want to receive advice on an ongoing basis, we can build a relationship with you to help make sure your plan stays on track if things change.
It's free of charge, and after the meeting you're under no obligation to do anything else – it’s completely up to you. If you do continue with a recommendation you will incur a charge.
As people are generally living longer, it‘s important to ensure you plan ahead for your retirement. But when it comes to planning your retirement, it's not always easy to know what’s available to you. So if you’re approaching retirement, still have some way to go or have already retired, we can help you. You may have a number of pension pots you’re thinking of combining. We can help you find out if combining these is right for you.
When it comes to investing we understand that everyone has different needs and goals. Whether you’re looking to put some money away for a rainy day or simply want to make your money work harder – we can help you.
Our investment proposition offers you access to a carefully selected range of multi-asset funds. We believe a well-diversified fund is more likely to achieve consistent returns. Spreading an investment across different asset types can lead to a more consistent performance. Our multi-asset fund range means we don’t put all your eggs in one basket. We spread your money across a mixture of shares, property, bonds and cash, which helps reduce the risk of losing money.
Our funds meet a wide variety of different needs and attitudes to risk. We offer different types of:
Passive funds – that invest in a selected range of assets classes. If you’re looking for a lower cost investment.
Active funds – that invest in a broader range of assets. If you’re looking to benefit from spreading the risk across a fully diverse fund offering.
Smoothed funds – If you're looking to benefit from spreading the risk across a fully diverse fund offering, while experiencing a smoother investment journey.
Depending on your needs and goals we can recommend one or a combination of these funds.
Remember, the value of your investment can go down as well as up, so you might not get back the amount you put in.
Life doesn’t always go to plan and we can’t always know what’s round the corner. But we would all like the peace of mind of knowing that we’re prepared for the unexpected.
In the event of death or serious illness, you don’t want your family left with a possible financial burden. We can provide advice on protection cover and solutions from a number of selected providers.
Estate planning may not be something you’ve thought about, but Inheritance Tax (IHT) isn’t just for the wealthy. With property values rising, IHT is affecting more and more people.
We can give you advice on a range of trusts to help reduce the impact of IHT. We'll also guide you through the complexities of estate planning, so that you can pass on as much wealth as possible to your loved ones.
Tax rules can change and the impact of taxation (and any tax relief) depends on your circumstances.
One of the most important aspects of financial planning is finding the right balance between risk and reward in your investment choice.
We’ll work with you to understand what you want from your investments. Knowing where you want to get to, and how much risk you’re comfortable taking, will enable us to recommend a fund (or funds) to suit your individual circumstances.
We have access to other organisations who can advise you on a wide range of additional services, such as legal services, mortgage services and estate administration.
These organisations have been carefully selected to complement and enhance the service we offer.
Our first meeting is all about getting to know you, your finances and your goals so we can build a plan that works for you. Whatever stage of life you're at, and whatever your needs, we'll discuss everything with you.
We'll chat about your finances in general and review any pension plans, savings or investments you already have. And then we'll chat about where you’d like to be in five or ten years time.
We'll also discuss how much risk you’d like to take, in order to achieve your goals. By understanding this, we can strike a balance between the risk and reward you’re happy with and build a plan specifically for you.
We’ll develop a tailored financial plan for you based on our discussions and your individual circumstances. We’ll then provide you with a detailed personal report which explains:
We’ll let you know how much the advice will cost and then it’s up to you to decide what you'd like to do. If you decide you'd like to go ahead we can start putting your plan in place, taking care of all the details. But if you don’t think it’s right for you, that’s as far as we need to take it.
Getting advice doesn't have to be a one-off. If you'd prefer, we can develop a long-term relationship. This means we'll regularly review your plans to make sure they're still on track to achieving your goals, and your family's goals.
If we consider it appropriate, we'll recommend regular financial checks to help ensure your plan remains on track and to address any changes to your circumstances in the future. This is an entirely optional service that comes at a cost. We can discuss the charges with you when we meet.
The importance of ongoing advice
And sometimes changes can have an impact on your financial plans.
Some examples are:
The initial advice we give you is based on your current circumstances, as well as any future plans you are aware of at that point in time. However, every financial plan, no matter how carefully structured, can be vulnerable to the effects of change.
By taking the optional Ongoing Advice Service we offer, we can react to changes. Then recommend adjustments to take advantage of new opportunities or try to protect you from additional risks.
Every one of us have our own individual financial concerns, goals and plans for the future. Our advice philosophy is underpinned by a belief in having a deep understanding of your unique requirements. Only through gaining a thorough understanding of what is important to you can we provide sound financial advice. We follow a rigorous advice process to ensure we provide recommendations that are tailored to your needs and requirements.
We will conduct a financial review for you. This involves gathering information and carrying out a review of your current financial situation, as well as discussing any plans for the future that may impact your finances. An important element of the meeting will be an assessment of the level of risk you are comfortable with and your capacity for loss, in order to achieve your goals.
With your consent, we can contact your current financial providers on your behalf to get a full picture of your holdings with them. Using this and all of the information we gathered from the review, we’ll develop a financial plan tailored to your specific situation and needs. We’ll then provide you with a detailed personal report which explains your current financial circumstances, a full analysis of your needs and objectives along with our recommendations on how to meet those needs and objectives.
We'll take you through your personal report, explaining the basis of our advice and recommendations. The rationale for our recommendations will be fully explained and you'll have the opportunity to ask any questions. We'd normally present our recommendations at a second meeting, however this will depend on the complexity of your requirements.
If you’re happy to proceed with the recommendations, we‘ll discuss the appropriate timescales to put everything in place and help set up the plan for you. We aim to minimise the administration and help with any forms you need to complete.
