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Rachel Denham

Advising Partner

As an Advising Partner with Sandringham my primary aim is to help you achieve your financial goals and ambitions through developing a long-term relationship based on trust, understanding and professional advice.

Regulated by the Financial Conduct Authority, I hold the Diploma in Regulated Financial Planning, alongside the advanced Certificate in Pension Transfers with the Chartered Insurance Institute. I passionately believe in lifetime learning and continue to study towards Chartered Financial Planner Status.

We can provide advice on a broad range of financial needs covering Savings and Investments, Retirement Planning including Equity Release as part of your retirement income planning, Protection, Trust and Estate Planning and Mortgages.

At Sandringham we use a proven four-stage planning process to ensure we fully understand your needs and to determine what is required to meet your goals in the right way for you and your specific circumstances.

Cashflow Planning plays an important part in providing clients with long term projections, helping you to visualise how your savings, investments and pensions can be combined to help meet your goals and achieve your desired lifestyle in retirement. I make this a core part of our planning process as demonstrating the impact of small changes, such as saving that bit more or finding a suitable investment strategy that is matched to your needs and objectives, can be extremely helpful in bringing your financial plan to life.

Knowing that your savings and investments are all working towards a defined objective and are pulling in the right direction will give you financial confidence and motivate you to continue with your financial strategy.

Our Wealth Platform Client Portal will give you 24/7 online access to your financial information. The platform provides an efficient and convenient way to view and monitor your investments, plans, policies, and other assets and gives you access to extensive portfolio information, all from one screen.

If you are not a great fan of technology, that is absolutely fine too.  We can accommodate your preferences to suit your needs.

Let us use our skills, knowledge, and experience to support you in achieving your financial goals. It is who we are, it is what we do, and I would be delighted to deliver this service to you.

Please do get in touch if you would like to know more about the financial advice and type of services that we can offer you.  Rest assured you will be warmly welcomed.

Areas of expertise

Creating a comprehensive estate plan to deal with your assets and provide for your loved ones after your death is a critical task that you should ensure you undertake. Preventing your assets from ending up with unintended beneficiaries, protecting your family and children, stopping heirs overpaying taxes and eliminating potential family disagreements on death are clearly very important. Therefore, careful planning well in advance should be considered to ensure that potential oversights are not made, and I am able to assist you with this. If you want your assets and your loved ones protected when you no longer can do it, you will need an estate plan.
Creating and maintaining the right investment strategy plays a vital role in securing your financial future. Whether you are looking to invest for income or growth, improve the return on your savings, growing the value of your money for a specific purpose, or putting money aside for a rainy day. I am able to offer you a range of solutions, combining our selection of funds, with our product wrappers, support and service.
Planning ahead for long-term care is important because there is a good chance you will need some long-term care services if you live beyond the age of 65 and the likelihood of needing care increases as you age. I can help give you the right information to help you understand what service options you have available and to also ensure that you have a range of options available when you need long-term care. By planning ahead, you may be able to save your assets and income for uses other than long-term care, including preserving the quality of life for your spouse or other loved ones.
Getting a mortgage can be one of the biggest financial decisions you will ever have to make, they can come in many shapes and sizes and can be complicated, so it’s crucial to get this right. Whether you’re a first-time buyer, moving on, downsizing, or even buying a second home. I will work with a range of carefully selected lenders to get you the mortgage which suits you best and ensure the whole process runs smoothly.
Most people just don’t save enough to achieve the level of retirement income that they need. Pensions can be seen as long-term investments, so it is important to decide how best to maximise your income in retirement, or where to invest a lump sum. I can help you decide how much extra money you need to save, and where to invest it and the various options you have available.
Protecting your income should be taken very seriously, given the limited government support available. I can help you arrange the right solution to meet your overall protection and financial planning strategy, to help protect you, your family and your lifestyle.
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  • 41-43 Grange Road
  • Darlington
  • DL1 5NB
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