Ruth Marlow

Areas of expertise

Inter-generational estate planning. Pre and post-retirement planning. Advice around pensions and divorce with particular expertise in post-divorce settlement planning and advice. Cash flow modelling and the creation of bespoke lifetime financial plans which provide clarity around a client's current and future financial position and allows informed, ongoing decision making.

Experience

Ruth is a Director in the Financial Planning Team. She has over 20 years of experience and looks after broad base of private clients and family groups.

Notable client work and achievements

Pension consolidation piece of work which brought together a number of different pension plans for a client that had built up over time through his various employments and the creation of a lifetime financial plan to help him understand what track he was on for his retirement. The work also involved marking use of his carry forward allowances.
The creation of a road map for a recently divorced client to help her understand her financial future based on her divorce settlement and what this meant in terms of supporting her immediate and future needs. I helped her navigate her divorce, make sense of her settlement and assisted her with all the financial decisions that needed to be made in relation to her pensions, investments and supporting her ongoing expenditure needs.
Estate planning advice for an elderly client who was focused on reducing the potential Inheritance Tax liability on his estate. Capacity to make gifts was demonstrated through cash flow modelling and the resulting advice was a combination of exempt and non-exempt gifts, gifts into Trust and investments into solutions that benefit from Business Relief. The whole family were involved in the ongoing discussions.

Professional qualifications and memberships

Chartered Financial Planner and Fellow of the Personal Finance Society.