Business Details
39 Years
experience
Trusted Financial Advisers in Marlow
R B S Associates has built a reputation for delivering tailored financial advice through long-term client relationships. Our approach prioritises understanding individual financial needs while ensuring clients fully comprehend our recommendations and associated costs. With over 50 years combined experience in mortgage markets through our partnership with Davidson Deem, we maintain high service standards supported by 350+ five-star Google reviews.Our team of 11 professionals provides holistic advice across pensions, investments, mortgages, and protection, while accommodating clients seeking focused guidance in specific areas. We operate under FCA authorisation and maintain transparency in all financial arrangements.
Services
Wealth Management
Business Insurance
Equity Release
Financial Planning
Health Insurance
Life Assurance
Mortgages
Pensions
Taxation Advice
Details
- Year established: 1987
Highlights and features
- We offer over 50 years combined mortgage market experience through our partnership
- Our team provides holistic financial planning with transparent cost structures
- FCA-authorised firm maintaining strict regulatory compliance standards
- 350+ five-star Google reviews demonstrate client satisfaction
- Personalised approach accommodating both comprehensive and focused advisory needs
Associations and certifications
- Financial Conduct Authority
What people say
Exceptional mortgage guidance
Transparent fee structures
Professional team expertise
Comprehensive financial planning
Excellent client communication
Services
Wealth Management
Our wealth management service helps preserve and grow client assets through strategic risk aversion strategies. We focus on protecting against tax erosion, inflation impacts, and investment risks while developing personalised plans for long-term financial security. The service includes regular portfolio reviews and tax-efficient investment approaches tailored to individual circumstances and future goals.
Mortgage Advice
Through our partnership with Davidson Deem, we provide comprehensive mortgage advice covering residential and buy-to-let requirements. Our service includes market analysis, product comparison, and application support for first-time buyers, remortgagers, and property investors seeking competitive financing solutions with appropriate affordability assessments.
Pension Planning
We specialise in creating sustainable retirement income strategies through various pension vehicles including SIPPs and workplace schemes. Our service covers contribution optimisation, investment selection, and income drawdown planning to ensure financial security during retirement while considering tax implications and inheritance objectives.
Equity Release
Designed for homeowners over 55, our equity release service provides tax-free cash while allowing clients to remain in their homes. We offer lifetime mortgages and home reversion plans with independent legal advice requirements, carefully considering alternative options like downsizing or investment income strategies.
Tax Planning
Our tax planning service focuses on minimising tax liabilities through legitimate reliefs and allowances. We provide guidance on income tax, capital gains tax, and inheritance tax strategies while considering changing regulations and individual circumstances to optimise financial outcomes within legal frameworks.
People
Paul Belcher
Partner / Financial Consultant
Specialising in pensions and investments, Paul brings extensive expertise to client portfolio management. With years of experience in financial services, he focuses on creating tailored investment strategies and retirement plans while maintaining direct client communication throughout the advisory process.
Mark Spurling
Partner / Financial Consultant
Mortgage and protection specialist with significant industry experience. Mark manages the firm's mortgage advisory services through our partnership with Davidson Deem, providing expert guidance on residential and buy-to-let financing solutions while ensuring continuity during transitional periods.
Clare Goodearl
Personal Assistant
Supporting Paul Belcher while handling general administrative duties, Clare ensures efficient office operations. Her role combines client communication support with day-to-day practice management tasks, maintaining professional standards across all administrative functions.
Sally Jarvis
Personal Assistant
Assisting Mark Spurling with mortgage-related administration while managing general office duties, Sally contributes to the firm's operational efficiency. Her role bridges client support needs with internal administrative requirements across the advisory team.
Amy Spurling
Administrator
Handling mortgage processing and general administrative tasks, Amy supports the advisory team's operational requirements. Her role focuses on documentation management and procedural compliance within the firm's mortgage advisory services framework.
Questions
What financial services do you specialise in?
We specialise in pensions, investments, mortgages, equity release, life assurance, and tax planning. Our FCA-regulated advice covers both holistic financial planning and focused specialist areas.
Are you affiliated with any mortgage providers?
We partner with Davidson Deem Ltd for mortgage advice while maintaining our independent advisory status. This arrangement combines specialist mortgage expertise with our comprehensive financial planning approach.
How do you charge for financial advice?
Our fees are transparently structured and explained during initial consultations. Charges vary by service type and complexity, with clear disclosure of all costs before commencing advisory work.
Can you help with retirement planning?
Yes, we specialise in creating tailored retirement income strategies. Our pension planning services cover contribution optimisation, investment selection, and income drawdown planning considering tax implications and inheritance goals.
Do you offer equity release advice?
We provide regulated equity release advice for homeowners over 55, including lifetime mortgages and home reversion plans. We always consider alternative options like downsizing or investment income strategies.
How are you regulated?
RBS Associates is authorised and regulated by the Financial Conduct Authority (FCA) under reference 457658, ensuring compliance with strict financial services standards and client protection requirements.
