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
Speak to me if you’re interested in preparing for tax year end, or just want advice on making your money go further.
Contact me today
Tackle tax year end with confidence
Tax rules can seem pretty impenetrable. With the new Budget, and so many different allowances and regulations to keep up with, it’s no wonder millions of us end up accidentally missing opportunities - equating to millions of pounds a year.1
In this case, ignorance really isn’t bliss. And by confidently preparing for tax year end, you can be sure you’re getting all the money you’re entitled to - whether that’s by saving as much as you can tax-efficiently or just using your allowances to their full extent.
I can go through your financial position with you, so you’re ready for tax year end on 5 April. Did you know, for instance, that only 1 in 7 savers fully use their ISA?2 Or that you could be one of the 2m couples3 who aren’t making the most of their marriage allowance?
Together we can make this tax year end something to celebrate, rather than pass by. Get in touch for your tax year end review, or a cashflow modelling session to understand your financial position better.
For ISAs, Investors do not pay any personal tax on income or gains, but may pay unrecoverable tax on income from stocks and shares received by the ISA managers.
Tax treatment varies according to individual circumstances and is subject to change.
Stocks and Shares ISAs invest in corporate bonds, stocks and shares and other assets that fluctuate in value.
2 Source: https://ifamagazine.com/just-one-in-seven-brits-use-their-full-isa-allowance-survey-shows/
3 Source: https://moneyweek.com/personal-finance/605717/marriage-tax-allowance
Approver Quilter Financial Services Limited & Quilter Mortgage Planning Limited. 17 December 2024.
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.
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.
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.
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)
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.