What will you do with your one
wild and precious life?

Randalls helps people use their money to live fully, not just accumulate it. We give clients the tools, and confidence to pursue what matters today while securing tomorrow.

Randalls exists to help people use their wealth with purpose. We build long-term plans and portfolios around the lives our clients want to lead, using rigorous forecasting to navigate uncertainty and support every important decision.

Purpose Before Portfolio

Planning built around the life you want to live

ILife first financial planning

Everything begins with the person, not the portfolio. Randalls takes the time to understand what a good life looks like for each client and shapes financial plans around that vision. The aim is not to accumulate without purpose, but to use resources well and live without regret.

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IIIndustry leading forecasting

Forecasting is at the centre of what Randalls does. The firm combines proprietary modelling with decades of market knowledge to understand how investments behave over time. This evidence-based approach accepts uncertainty as part of reality and plans with it, not against it, to give every decision a stronger foundation.

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IIIAcknowledging Uncertainty

Uncertainty is an unavoidable part of investing. Accepting it, and planning with it in view, creates portfolios that can continue to meet long-term goals whatever the market delivers. By working with what is known and allowing for what is not, investment decisions remain realistic, disciplined and directed toward a life well lived.

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Life first financial planning

Everything begins with the person, not the portfolio. Randalls takes the time to understand what a good life looks like for each client and shapes financial plans around that vision. The aim is not to accumulate without purpose, but to use resources well and live without regret.

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Industry leading forecasting

Forecasting is at the centre of what Randalls does. The firm combines proprietary modelling with decades of market knowledge to understand how investments behave over time. This evidence-based approach accepts uncertainty as part of reality and plans with it, not against it, to give every decision a stronger foundation.

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III

Acknowledging Uncertainty

Uncertainty is an unavoidable part of investing. Accepting it, and planning with it in view, creates portfolios that can continue to meet long-term goals whatever the market delivers. By working with what is known and allowing for what is not, investment decisions remain realistic, disciplined and directed toward a life well lived.

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Supporting clients with diverse needs and objectives

We combine personal planning, disciplined portfolio management and institutional-grade forecasting to support people and organisations with complex financial needs.

Commentary and market insight

We review the events that influenced markets in the recent quarter and explore the scenarios that may shape the period ahead. Both perspectives help clients understand the environment in which long term decisions are made.

Commentary One

The rear-view mirror

Returns only tell their full story when we look back. Here, we revisit the past quarter (and further quarters beyond) to understand what moved markets, how events unfolded, and how recent performance fits within longer-term trends.

Commentary Two

The bend in the road

No one can see what lies ahead, yet investment decisions must still be made. Here we explore how forecasting helps navigate uncertainty, anchor long-term plans and support better decision-making when the future remains unclear.

“The fundamental law of investing is the uncertainty of the future”

Peter Bernstein.

Success stories from our clients

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Twenty years of clarity

Mr & Mrs S., Sidmouth

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Twenty years of clarity

We have used the excellent service provided by Randalls for over 20 years. They simplify complex financial options, involving critical decisions regarding pensions, savings and investments. What makes this company stand out is their friendly and patient attitude whilst answering questions and allowing you, the customer to make an informed decision. We are now retired and financially comfortable due in large part to their help and advice.

Mr & Mrs S., Sidmouth

II

Trusted partner

Mr T Moyes, Donvale Holdings

II

Trusted partner

Isaac has acted as a trusted adviser to our Private Investment Company for ten years, providing disciplined strategy, independent oversight and thoughtful guidance. Through tailored reporting, regular board engagement and clear communication of complex investment matters, he has supported informed decision-making and strong governance. More recently, he led the development of an objectives-based investment strategy and Investment Policy Statement aligned with the company’s long-term goals and risk tolerance. We value his professionalism, integrity and commitment, and regard him as a trusted long-term partner in overseeing our investment affairs.

Mr T Moyes, Donvale Holdings

III

Exemplary customer service

M deVere Chamberlain

III

Exemplary customer service

As a longstanding client, I’m always happy to recommend Randalls for their exemplary customer service, expertise and efficiency. I particularly appreciate Isaac’s skill in explaining complex financial matters in a clear, accessible way - and his warm, supportive and reassuring manner. I’ve also found every member of the Randalls team to be welcoming and friendly. I’m entirely confident that my family and I are in safe hands.

M deVere Chamberlain

IV

Professional and personal advice

Mr & Mrs M, Sherborne

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Professional and personal advice

Paul Churchill has provided us with financial advice for many years and has continued to do so since joining Randalls. He is professional at all times and has provided us with sound financial advice, which he explains clearly. His advice is always in line with our concerns and aspirations, which he completely understands. He also contacts us if he is aware of changes in the financial world that may affect us so that we can be proactive rather than reactive. Over the years that we have known him we have developed an excellent relationship. He is always available if we wish to speak to him and his annual reviews are clear and comprehensive.We are very fortunate to have Paul as our financial advisor together with the team at Randalls.

Mr & Mrs M, Sherborne

V

Through every life stage

Mr C R, Exeter

V

Through every life stage

Randalls has advised me throughout my business journey, taking into consideration changes in circumstances, a growing family and has always provided sound, professional planning advice bespoke to the time. I appreciatively continue to use their services, enjoy the annual review and the in-depth, balanced discussion. Their communication is strong and I plan to continue to use their services through to retirement and beyond.

Mr C R, Exeter

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Advice worth recommending

G & S Beck, Sheffield

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Advice worth recommending

Isaac and Randalls, we have received comprehensive and detailed advice about our pensions and investments in a clear understandable way, advice which has produced excellent returns and, importantly, in a user-friendly efficient manner. The company provides excellent customer service with a responsive team always happy to answer any queries and gives clear guidance as to the best way forward taking into account perceived and actual market performance. We would have no hesitation in recommending them to friends, family or, in fact, anyone looking for independent, carefully researched financial advice.

G & S Beck, Sheffield

VII

Navigating early retirement

Mr & Mrs S, Crediton

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Navigating early retirement

Randalls have been looking after our finances for almost ten years. Initially they helped us to navigate our way through early retirement, ensuring we avoided any potential difficulties with regard to tax, and ensuring that our income was sufficient until reaching the state retirement age. Throughout all our dealings Randalls have made sure that they really understand what we need to achieve through the consistent and readily available support offered by Steve, and more recently Toni. They keep us fully informed about the current state of our finances and future expectations.

In addition to a very useful yearly meeting they provide an excellent detailed annual report which clearly explains current trends and the reasons for any adjustments to our portfolio in an easy to understand format. Everyone that we have dealt with at Randalls has been very friendly, helpful and reliable, and it is good to know that as a family business we can look forward to having the security of their professionalism and expertise going forward.

Mr & Mrs S, Crediton

VIII

Developing a long-term relationship

Mr & Mrs T, Crediton

VIII

Developing a long-term relationship

Over the last ten years we have developed a very real trust and respect for Randalls , a local firm with their feet firmly on the ground of a real world. Paul our advisor has helped with ISAs pensions ,inheritance and so much more both for private and business. Their financial knowledge is vast and tapping into it has to be one of the better things we have done.

Mr & Mrs T, Crediton

IX

Expert consideration given to my financial position

D Lee, Wells

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Expert consideration given to my financial position

Over the years I have had a huge amount of support, with highly informed , professional guidance.There has never been a time where I felt a phone call or email, regarding even a small monetary concern would not be personally and promptly responded to. I continue to feel secure regarding the expert consideration given to my financial position. Something you can’t put a price on. The visits to my home have been very welcome, over coffee and possibly a chocolate biscuit or two, you have helped me understand finance, enabling me to appreciate the depth of understanding you have given during my various financial circumstances.

D Lee, Wells

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Trusted from the start

Mr & Mrs D, Bovey Tracey

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Trusted from the start

We have been clients at Randalls since 2024 and cannot recommend them highly enough. We trust Isaac and his team implicitly to manage our finances. They are extremely responsive and accessible when we need them. They make us feel valued and we are reassured that they know exactly what to do to meet our needs and hopes for our financial future.

Mr & Mrs D, Bovey Tracey

Frequently asked questions?

Who do you typically work with?

Our work supports individuals, families, trustees and invested organisations whose financial lives involve responsibility, choice and long-term thinking. Clients often come to us at a point of change or progression, not because they know exactly what they need, but because they want a more structured and purposeful way forward.

How is your approach different?

Our approach begins with life, not markets or products. We focus on understanding what a good life looks like for you, then build a long term plan and portfolio to support that. Forecasting, evidence and disciplined thinking sit at the centre of our work, but always in service of real decisions and real outcomes. The result is advice that is structured, personal and grounded in purpose rather than driven by short term market noise.

Do you try to predict markets?

We do not try to predict short term market movements. Markets are inherently unpredictable in the short run, and attempting to forecast them with precision is unlikely to be reliable. Instead, we focus on understanding how assets are expected to behave over longer periods and how different scenarios may unfold probabilistically, allowing us to make well informed decisions without relying on guesswork.

What role does forecasting play in your advice?

Forecasting is central to how we plan and invest. It allows us to model a range of possible future outcomes and understand how different decisions may affect your long term objectives. Rather than relying on a single expected outcome, we consider good, expected and poor scenarios, helping you make decisions with a clear view of risks, trade offs and probabilities.

How involved will I be in decisions?

Your level of involvement is shaped around your preferences. Some clients want to be closely involved in decisions, while others prefer us to take more responsibility within an agreed framework. In all cases, we ensure you understand the reasoning behind decisions and feel confident in the direction being taken. The relationship is collaborative, with clarity and communication at its core.

Do you offer discretionary portfolio management?

Yes. We offer a Discretionary Model Portfolio Service, which can sit alongside your long term plan. This allows us to manage your portfolio on an ongoing basis, ensuring it remains aligned with your strategy without requiring your approval for each individual change. It is an optional service, used where it adds value. Investment decisions are made at the model portfolio level and applied consistently across clients invested in that model.

Are you independent?

Yes. We are independent and unrestricted in our advice. We are not tied to specific products, providers or investment solutions, which allows us to recommend what is most appropriate for your circumstances. This independence is an important part of ensuring advice remains objective and aligned with your best interests.

How do you measure success?

Success is measured by how well your plan supports the life it was designed for. This means assessing whether your portfolio behaves in line with expectations, whether your long term objectives remain achievable, and whether you feel confident in the decisions being made. It is not about chasing the highest returns, but about delivering outcomes that are consistent, reliable and aligned with your goals.

Frequently asked questions?

Our work supports individuals, families, trustees and invested organisations whose financial lives involve responsibility, choice and long-term thinking. Clients often come to us at a point of change or progression, not because they know exactly what they need, but because they want a more structured and purposeful way forward.

Our approach begins with life, not markets or products. We focus on understanding what a good life looks like for you, then build a long term plan and portfolio to support that. Forecasting, evidence and disciplined thinking sit at the centre of our work, but always in service of real decisions and real outcomes. The result is advice that is structured, personal and grounded in purpose rather than driven by short term market noise.

We do not try to predict short term market movements. Markets are inherently unpredictable in the short run, and attempting to forecast them with precision is unlikely to be reliable. Instead, we focus on understanding how assets are expected to behave over longer periods and how different scenarios may unfold probabilistically, allowing us to make well informed decisions without relying on guesswork.

Forecasting is central to how we plan and invest. It allows us to model a range of possible future outcomes and understand how different decisions may affect your long term objectives. Rather than relying on a single expected outcome, we consider good, expected and poor scenarios, helping you make decisions with a clear view of risks, trade offs and probabilities.

Your level of involvement is shaped around your preferences. Some clients want to be closely involved in decisions, while others prefer us to take more responsibility within an agreed framework. In all cases, we ensure you understand the reasoning behind decisions and feel confident in the direction being taken. The relationship is collaborative, with clarity and communication at its core.

Yes. We offer a Discretionary Model Portfolio Service, which can sit alongside your long term plan. This allows us to manage your portfolio on an ongoing basis, ensuring it remains aligned with your strategy without requiring your approval for each individual change. It is an optional service, used where it adds value. Investment decisions are made at the model portfolio level and applied consistently across clients invested in that model.

Yes. We are independent and unrestricted in our advice. We are not tied to specific products, providers or investment solutions, which allows us to recommend what is most appropriate for your circumstances. This independence is an important part of ensuring advice remains objective and aligned with your best interests.

Success is measured by how well your plan supports the life it was designed for. This means assessing whether your portfolio behaves in line with expectations, whether your long term objectives remain achievable, and whether you feel confident in the decisions being made. It is not about chasing the highest returns, but about delivering outcomes that are consistent, reliable and aligned with your goals.