Planning and investment for individuals, families and trustees
We work with individuals, families and trustees to build long term plans and portfolios that reflect personal goals, legal responsibilities and future cashflow needs.
In this short video, Isaac explains who our services are designed for, the situations where they can add the most value, and how we support individuals and families at different stages of life.
Who is this service for?
Individuals planning for the long term
You may be building financial security, preparing for retirement, managing accumulated wealth, or looking to bring clarity to pensions, investments and cash. Often this follows a change in circumstances, such as career progression, inheritance or increased independence.
Families thinking beyond the present
You may be considering how wealth should support family life now and in the future. This can include planning for children or grandchildren, managing shared assets, or thinking about how wealth is passed on in a way that reflects family intentions and values.
Trustees with ongoing responsibilities
You may be acting as a trustee for a family trust, estate or charitable structure. This brings legal duties, governance considerations and the need to balance risk, return and purpose on behalf of others.
People navigating change
You may be dealing with a significant transition, such as retirement, bereavement, separation, a change in financial independence or a shift in family circumstances. In these moments, having a clear framework often matters more than making isolated decisions.
Those seeking a joined-up view
You may have assets spread across pensions, investments, cash and other structures, without a clear long-term plan connecting them. Our work often begins by creating that structure and sense of direction.
Who is this service for?
You may be building financial security, preparing for retirement, managing accumulated wealth, or looking to bring clarity to pensions, investments and cash. Often this follows a change in circumstances, such as career progression, inheritance or increased independence.
You may be considering how wealth should support family life now and in the future. This can include planning for children or grandchildren, managing shared assets, or thinking about how wealth is passed on in a way that reflects family intentions and values.
You may be acting as a trustee for a family trust, estate or charitable structure. This brings legal duties, governance considerations and the need to balance risk, return and purpose on behalf of others.
You may be dealing with a significant transition, such as retirement, bereavement, separation, a change in financial independence or a shift in family circumstances. In these moments, having a clear framework often matters more than making isolated decisions.
You may have assets spread across pensions, investments, cash and other structures, without a clear long-term plan connecting them. Our work often begins by creating that structure and sense of direction.
Investment Planning
& Portfolio Service (IPPS)
We start by understanding the objectives, needs, and long-term priorities of those the capital is intended to support, whether that’s you, your family, or your beneficiaries, then create a flexible plan that reflects your goals, risk parameters, time horizons, and future cashflow or distribution needs.
Drawing on our in-house long-term forecasting system, we model good, expected, and poor market scenarios to show how the plan is expected to perform over time. This helps you make informed decisions, understand potential risks, and ensure the investment strategy remains aligned with its purpose.
- I.IStructured long-term planning
- I.IIA personal, ongoing relationship
- I.IIILong-term forecasting
- I.IVIntegrated choices when you need them
- I.VAdapting as life evolves, a journey we take with you—across generations
Discretionary Model Portfolio Service
Our Discretionary Model Portfolio Service (DMPS) is an optional ongoing service designed to work alongside and enhance your Investment Planning & Portfolio Service (IPPS). While the IPPS sets your long-term investment strategy, the DMPS ensures your portfolio is actively managed throughout the year to stay aligned with that strategy — without requiring your ongoing approval for each decision.
- I.IProactive management, fully aligned with your plan
- I.IIAlways-on governance and quarterly rebalancing
- I.IIIInvestment styles built around your preferences
- I.IVHelping you stay disciplined and confident
- I.VSimple, transparent and only added when it helps
Cash Management Service
Our Cash Management Service is an optional ongoing add-on to the Investment Planning & Portfolio Service (IPPS), designed for clients who want their cash managed with the same care and discipline as their long-term investments. It can also be taken as a standalone service (at a higher cost), and is suitable for individuals, trusts and business owners.*
- I.IA disciplined cash strategy built around your needs
- I.IIProactive management throughout the year
- I.IIIOne point of contact, no admin, no chasing
- I.IVBeating cash inertia, reducing stress
- I.VIntegrated with, but distinct from your long-term plan
Ethical Investment Screening Service
Our Ethical Investment Screening Service is an optional ongoing add-on to the Investment Planning & Portfolio Service (IPPS), designed for clients who want their investment portfolio to reflect their personal ethical convictions in a more bespoke and meaningful way. While our standard services (including the Discretionary Model Portfolio Service) already accommodate broad sustainability and ESG approaches, some clients want something deeper, more specific and more personal. This is where our ethical screening service comes in.
- I.IV.IA personalised ethical investment policy
- I.IV.IIIntegrated directly into your IPPS
- I.IV.IIIClear expectations, carefully managed
- I.IV.IVA values-led service for all client types
Additional one-off financial advice services
Investment tax planning advice
One-off advice focused on making sure your investments are structured in the most tax-efficient way, particularly around significant transactions or changes. This service helps reduce unnecessary tax and ensures investment decisions fit sensibly within your wider financial plan.
Pension planning advice
Targeted guidance to support key pension decisions, whether you are building pension savings, taking benefits, or already drawing income. Advice is provided on a one-off basis to help you make well-informed choices with long-term implications in mind.
Estate and legacy planning advice
Advice to help organise wealth in a way that supports your lifetime needs while shaping how assets are passed on. This service focuses on balancing personal security with thoughtful, tax-efficient transfer of wealth across generations.
Personal protection and contingency advice
A one-off review designed to assess how your financial position would cope with unexpected events. The aim is to identify gaps and put appropriate protection in place so long-term plans remain intact if circumstances change.
Advice for philanthropic individuals & families
Specialist advice for those who want to give in a considered and sustainable way. This service helps align philanthropic ambitions with personal and family needs, and supports the design, governance and long-term stewardship of charitable structures.
Additional one-off financial advice services
One-off advice focused on making sure your investments are structured in the most tax-efficient way, particularly around significant transactions or changes. This service helps reduce unnecessary tax and ensures investment decisions fit sensibly within your wider financial plan.
Targeted guidance to support key pension decisions, whether you are building pension savings, taking benefits, or already drawing income. Advice is provided on a one-off basis to help you make well-informed choices with long-term implications in mind.
Advice to help organise wealth in a way that supports your lifetime needs while shaping how assets are passed on. This service focuses on balancing personal security with thoughtful, tax-efficient transfer of wealth across generations.
A one-off review designed to assess how your financial position would cope with unexpected events. The aim is to identify gaps and put appropriate protection in place so long-term plans remain intact if circumstances change.
Specialist advice for those who want to give in a considered and sustainable way. This service helps align philanthropic ambitions with personal and family needs, and supports the design, governance and long-term stewardship of charitable structures.
A structured, long-term approach
A thoughtful, relationship-led journey designed to give you clarity, confidence, and long-term support.
Initial conversation
We begin with a no-cost conversation to understand your circumstances, priorities and what you are planning for.
Planning
We develop a clear long-term plan and portfolio based on your goals, responsibilities and future cashflow needs, set out in your personalised IPPS report.
Implementation
Once agreed, we put everything in place on your behalf, coordinating with providers and handling all administration and setup.
Ongoing oversight
Your plan is reviewed and updated over time as circumstances change, with regular reviews, refreshed forecasts and ongoing access to your adviser.
Our philosophy
Randalls exists to help people use their wealth with purpose. We focus on long-term planning and disciplined investment thinking, shaping strategies around real lives, responsibilities and future ambitions rather than short-term market movements.
Our approach brings rigorous forecasting and evidence-based modelling together with a clear acknowledgement of uncertainty. By planning across a range of possible outcomes, we support well-informed decisions designed to stand up over time.