Christopher Rayburn
Financial Planning Consultant DipPFS, Cert PTA in Ashtead
A little bit about Christopher
I am passionate about helping my clients achieve their long-term goals and aspirations. By taking the time to get to know each client personally, I gain a deep understanding of their needs and objectives. I then create tailored strategies that help them reach their financial goals. I’m committed to guiding clients through every stage of their financial journey, ensuring their future is secure and prosperous.
Start the conversation
Get in touch if you’d like to discuss the long-term benefits of including investing in your financial plans.
Contact me today
An adviser’s insight
When is the right time to invest?
There’s always a degree of uncertainty when it comes to investing, so it’s natural for some people to feel nervous about it.
When the news is reporting stock market volatility, it’s understandable that some people might feel more cautious about investing. But including investments in your long-term financial plan is a smart way to give your money the best chance to grow.
Keeping money in cash might feel like a safe option, and having some money easily available is a sensible decision. But too much cash could end up costing you more because of inflation’s ability to eat away at the value of your savings. For example, when £10,000 is invested it can grow by 78% over 30 years, but if it was kept in a current account its value could actually reduce by 59%*.
There are lots of options when it comes to investing, and I’m here to guide you through them. I can help you decide things like which risk level is right for you, what types of investments to use to maximise your tax efficiency, and how to create an investment plan tailored to your circumstances and goals. I can also show you how different investment approaches could impact your finances over the long term.
If you’re thinking about how investing today can help create the life you want in the future, let’s talk about how I can support and guide you through the process.
The value of investments and the income they produce can fall as well as rise. You may get back less than you invested.
Tax treatment varies according to individual circumstances and is subject to change
*Based on an annual average investment return of 5% and inflation at 3%.
Services
Business Services & Protection
Commercial mortgages/remortgages, workplace pension and employee benefits. Commercial mortgages are by referral only.
Holistic planning
Establishing and reviewing trusts, complete personal risk management planning, short- and long-term savings and investments.
Investments
Wealth management advice to make your money work as hard as it can for you, including making the most of any tax breaks available.
Income Protection
Permanent health insurance to provide a regular income should you be unable to work due to illness or injury.
Pensions
Expert advice to help provide comfort in your retirement.
Protection
Whole of life and term assurance protection, private medical arrangements, critical illness insurance.
Qualifications
Diploma in Regulated Financial Planning
- The Level 4 Diploma in Regulated Financial Planning from the Chartered Insurance Institute develops core technical and initial financial planning understanding.
Award in Long Term Care Insurance
- Develops knowledge and understanding of long term care cover, including legal, taxation and regulatory issues and the responsibilities of local authorities.
Pension Transfers & Planning Advice
- The Level 6 Certificate in Pension Transfers & Planning Advice provides specialist knowledge and skills in this area of financial planning.
Certificate in Pension Transfer Advice
- Level 4 Certificate in Pension Transfer Advice develops the in-depth knowledge and practical skills by anyone seeking to advise on the transfer of safeguarded benefits, an increasingly important part of the advice process following the Government's pension reforms.
Testimonials
Reviews are from Christopher's VouchedFor account.
N.L.
After establishing our appetite for investment risk, Chris diligently reviewed our financial status and, after discussing options with us, made some recommendations on tax efficient investments and divestments, inheritance tax planning, insurance (of gifts) and pension planning for both of us.
Chris has kept on top of recent changes to pension contributions and limitations which has enabled me to take advantage of those changes.
Always ready to help and look at a challenge from many angles.
Personable and a good communicator.
G.L.
Chris was recommend to me and although he lived many miles from me, he was able to communicate and advise in total confidence via regular Zoom meetings, e-mail and Telephone.
The advice he provided over several months proved invaluable and gave me the confidence to transfer my pension and invest in appropriate funds. Also he provided excellent advice on Tax, transfer values, risk analysis and legacy planning.
He provided cash flows, took my ideas and considerations into account and he organised and fully transferred my pension in good time. All this took place several years back had we have regular reviews and updates on my portfolio.
The outcome so far has been positive and I would 100% make the same decisions with the same adviser again. Chris recently advised me on different type of funds and the risks / advantages they offer.
I conclusion of this meeting was that my portfolio is now growing at a more improved rate and I am pleased with results.
R.C.
Christopher has been more than helpful. His expert advice has been much appreciated.
He is well informed and knowledgeable.
He takes the time to explain all avenues available in a clear and concise manner.
J.O.B
I needed help in long term financial planning after obtaining income from a Business sale, and for retirement planning.
He has been really helpful in ensuring that my financial plans include growth in my funds, future income, tax management, and is very proactive in bringing new opportunities to me.
A.W.
I found Chris just by chance after my Wife Sadly passed away and her company that she worked for advised me to find a Financial Adviser to sort out her finances and past pensions.
Chris was amazing at sorting everything out and finding monies I did not know she had.
Location
Christopher Rayburn's location
Christopher is located in Ashtead and offers expert financial advice to suit your needs.
I also offer services in the following areas:
I also offer services in the following areas:
- The surrounding areas (KT, SM, GU & RH)
- Central and South West London (SW)
More about me
I understand that time constraints often limit people’s ability to undertake the required research to achieve the most suitable and most tax efficient returns from their investments. Also they may overlook putting in place adequate protection for themselves and their families from the surprises that life may throw at them.
I like to help my clients to put suitable tax efficient plans in place to ensure they can achieve their life goals, particularly ensuring that they make sufficient provision to be able to afford to do what they want when they decide to stop working.
I also provide advice on the best way to structure your finances to minimise the likelihood of you being subject to inheritance tax.
Advice can be provided to both individuals and to businesses.
I offer an initial consultation at my own expense to discuss your needs and expectations to establish how I can help you.
Outside of work I enjoy watching football, playing golf and spending time with my family.
The Financial Conduct Authority does not regulate some employee benefits, tax planning, inheritance tax planning, estate planning, succession planning, trusts or some buy-to-let mortgages.
The guidance and/or information contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.
Registered Office: Quilter Financial Advisers, Senator House, 85 Queen Victoria Street, London, EC4V 4AB. Tel: 0207 562 5856. Registered in England and Wales. Registered number: 05693185. Lighthouse Financial Advice Limited, Senator House, 85 Queen Victoria Street, London, EC4V 4AB. Tel: 0207 562 5856. Registered in England and Wales. Registered number: 04795080.