Robert D.

WORK HISTORY

EDUCATION

ABOUT ROBERT D.

I am a Chartered Financial Planner with 24 years experience in Financial Services.In my current role, I\'m responsible for advising a wide range of private clients. I\'ve developed a wealth of experience advising high net worth individuals, with many client relationships spanning in excess of 20 years. I\'ve worked with many clients on their journey from career to full retirement, and helped them build bespoke, robust, retirement plans. To this end, understanding what really makes a client tick is my passion, which in turn enables a deeper understanding as to what\'s important to them, how they want their retirement to look, and how much its likely to cost. The utilisation of cashflow forecasting then brings clarity on how achievable the clients retirement goals are, and in many cases, provides a huge amount of reassurance, and allows them to plan with confidence.Due to the nature of many of my clients circumstances, tax planning is integral to the work I do, with particular focus on the tapered annual allowance, utilising carry forward allowances, planning around retaining the personal allowance, lifetime allowance (now LSA/LSDBA) planning, inter-generational/IHT planning, and income tax and CGT planning. My work within SME\'s historically focused on financial planning services for senior management and director teams, and I was also scheme adviser to a number of corporate pension schemes, delivering employer sponsored services to individual scheme members.My client bank is extremely diverse and has grown organically over the years via existing client referrals and professional introductions. On the latter, I have extensive experience in dealing with a variety of professional connections to provide coordinated advisory services, in the areas of trustee investments, estate planning, company sale/exit packages, and year end tax planning.I am a pension transfer specialist, and attained Chartered Financial Planner status in 2011. I\'ve also been awarded Fellowship to the Personal Finance Society (FPFS designation).