• Welcome

    Welcome to Rutherford Hughes Limited (RHL). We are a firm of independent financial advisers and wealth managers. We offer the traditional face to face relationship led service and use modern technology to ensure accuracy and efficiency.

    We pride ourselves in listening and helping people discover their true objectives and consider their financial needs. We help you make your own decisions.

    The team have a wealth of experience of advising on investment, pension, retirement strategies, inheritance tax and assisting with assets and divorce. We understand running businesses, families and what life can throw at you. Our role is to help you manage a way through it all.

    Our clients, in the main, find us through recommendation. However, we are happy to welcome new clients and offer a free initial chat to establish whether we can work together.

    Typically, a client will be someone who is seeking financial planning, may be retired, looking to retirement, planning to mitigate inheritance tax or needing to protect their family or business with life insurance.

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  • Financial planning in six stages

    Financial Planning

    Financial planning in six stages
    • Determine your objectives and timescale

    • Gather information

    • Evaluation of your current situation

    • Production of a plan

    • Implementation

    • Regular monitoring of the plan

    The financial plan is individual to you, the client. It is yours to keep and you can choose to implement as much or as little of it as you wish. Clearly there may be negative implications in partial implementation but we will point them out to you.

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  • Investment proposition with an excellent track record

    Wealth Management

    Investment proposition with an excellent track record
    Our investment proposition has been developed over a number of years and is robust with an excellent track record. Our core beliefs are :

    • You cannot time the markets

    • Equities produce real growth over time

    • Fixed interest securities reduce risk and volatility

    • Diversification is essential

    • Minimise trading to reduce costs

    • Inflation is the enemy of deposits

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  • Expert advice in this area

    Pensions

    Expert advice in this area
    There are a number of differing types of pension, run by companies for their staff or individual arrangements.
    Which is best depends upon the individual’s circumstances.

    RHL is fortunate to have a technical consultant whose expertise can be drawn on by our advisers so that they can provide advice at the highest and most complex level.

    Pension contracts can have many advantages; tax relief on contributions, tax free investment growth, Inheritance Tax protection and income in retirement.

    They are one of the most useful financial “tools” available.

    A Pension is a long term investment, the fund value may fluctuate and can go down. Your eventual income may depend upon the size of the fund at retirement, future interest rates and tax legislation.

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  • Trusts

    At RHL we offer advice on the use of trusts to plan and control the distribution of wealth during life and after your death.

    We offer guidance and advice through our network of lawyers on how to tackle will planning and creating of a Lasting Power of Attorney to cover property and welfare.

    The RHL investment proposition ensures the key responsibilities and liabilities that fall under the Trustee Act 2000 are met:

    • You cannot time the markets

    • Equities produce real growth over time

    • Fixed interest securities reduce risk and volatility

    • Diversification is essential

    • Minimise trading to reduce costs

    • Inflation is the enemy of deposits

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