Updated: Sep 17
Sarah Cutler I CWC Director I 27 April 2021
We are so delighted to welcome Rhian Evans as one of our new CWC Writers. Rhian is based in Cheltenham as a Financial Adviser at Irongate. Irongate is a boutique Wealth Management firm located in the Cotswolds and is an Appointed Representative of St. James’s Place Wealth Management. She understands the critical responsibility given when clients entrust her with their money.
Using the investment management support provided through St. James’s Place, who have the flexibility to choose any investment manager from any fund management firm anywhere in the world, allowing them to select some of the best fund managers across the globe, with the aim of providing their clients with the potential to achieve superior investment performance, Rhian joins us with the inspiring desire to help all women feel more empowered about understanding and managing their finances by sharing her expert advice and insights. She covers all areas of Wealth Management including but not limited to retirement planning, wealth protection, savings and investment planning. We thought we’d chat to Rhian to find out more about her and her passion for helping others.
Hi Rhian, could you start off by telling us a little bit about your work with Irongate please.
I provide face to face advice to clients, I help clients to remove some of the mental load that comes with things such as planning for retirement, meeting tax deadlines, keeping on top of changing pension rules or optimising your investments performance. As women we keep a lot of plates spinning, I want to take the worry away about money matters and provide that support to my clients.
I pride myself on building strong and trusting relationships with my clients.
Behind the scenes at Irongate we have an amazing team of support staff, analysts and paraplanners who support the advisers to provide accurate and compliant advice.
What do you plan on writing for us? And where do you think your passion for empowering women to feel more confident about their finances comes from? Is there something specific that inspires this or just a general desire to help others?
There is a huge spectrum of ways I can help my clients and I hope through a series of articles I can help showcase some of these areas to help educate the readers of CWC about what is out there and available to them to get the most out of their money. Many people I meet do not usually know where to get advice and are a bit nervous. I hope my articles will provide your readers with the confidence to seek advice and the understanding of what a difference active, ongoing advice can bring to their long term financial stability.
Many women may be put off seeking the help of a financial advisor because they feel it’s only for the very wealthy, but you hope to show that this isn’t the case and that financial advisors are for everyone?
Absolutely, financial advice is for everyone, from putting in place the right level of life cover to protect your family, managing or consolidating multiple pensions, or help the monthly savings go a little further.
Throughout our lives there is always something you can do, a little savings in our early twenties can have a big impact from long-term saving and compounding (growth on top of growth, on top of growth). If you’re considering reducing or giving up work to raise a family in your 30s it is important to consider the impact on your retirement savings. From age 40 you may have accumulated multiple pension pots, do you know how much they are worth or what they would give to you as an income, is it enough, have you reviewed your state pension entitlement? If you’re in your 50s, don’t worry, it’s never too late to take stock of what you’ve accumulated and review your options.
During your retirement it is important to draw down on your funds efficiently to ensure you are not paying too much tax or that your funds will run out. You may also be in a position to pass on your wealth and you want to protect it to pass on to future generations.
There is help available at all stages of our lives, the sooner you seek advice the more beneficial this will be for you.
You approach your advice with a holistic emphasis don’t you – can you explain what that means for us?
A holistic, needs-based approach ensures my recommendations are in line with your long-term needs and goals, and look at the whole picture of your financial situation. Much like a Doctor, I need to know everything about your financial situation to ensure I am giving the correct ‘prescription’. A snap shot of where you are now will help me to create the picture you want for your future.
Instead of looking at one specific area, investing for an ISA for example, I get to the heart of what your goals and objectives are, and I provide the initial and, equally as important, ongoing advice element to make that happen. As circumstances change so does the advice.
It is important to you to build trusted relationships isn’t it?
This is at the heart of everything I do, I want to be part of my clients’ power team, you have your friends for social support, family who are there no matter what, perhaps a cleaner to help ease the burden of housework, a fitness trainer who looks after your health, and maybe a therapist to look after your mental health, I help you take control of your finances to give you security and peace of mind.
Tell us a little about yourself. What do you enjoy doing when you’re not working?
This past year has obviously put a halt to some of the things I enjoy the most, but when lockdown eases, I obviously hope to travel more, especially to see my family and friends back in Wales, which is where I am originally from.
Recently my partner and I got a border terrier puppy so we enjoy our dog walking adventures, and we have a passion for cooking and like to fire up the BBQ whenever there is a speck of blue sky and little bit of sunshine.
Do you have any exciting plans for the future we should know about?
I am working towards becoming a Chartered financial adviser, and to keep building my business and helping as many people as I can to get the most from their money and get financial confident.
On a personal level I hope to one day get back on a plane and go on some beach holidays and hit the slopes! Other than that, at this stage I am grateful and happy with what I have and just looking forward to lockdown easing more.
Founded in 1999, we manage the investments and finances of individuals, trusts and businesses with our primary objective being to maintain and increase our clients’ wealth.
We always do what we say we are going to do.
We aim to provide a high standard of service.
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We will always act with integrity.
Irongate is a Senior Partner Practice of St. James’s Place Wealth Management The value of an investment with St. James's Place will be directly linked to the performance of the funds you select and the value can therefore go down as well as up. You may get back less than the amount invested
Rhian Evans BA(Hons) DipPFS Cert CII (MP & ER)
Financial Adviser, Irongate
Partner Practice of St. James’s Place Wealth Management
Ashgrove House, Jackbarrow Road, Cirencester, GL7 7LB
Tel: 01285 821519 | Mobile: 07765011450
Irongate is an Appointed Representative of an represents only St. James’s Place Wealth Management Plc (which is authorised and regulated by the Financial Conduct Authority) for the purpose of advising solely on the Group’s wealth management products and services, more details of which are set out on the Group’s website at www.sjp.co.uk/products.
The ‘St. James’s Place Partnership’ and the titles ‘Partner’ and ‘Partner Practice’ are marketing terms used to describe St. James’s Place representatives.