Thomas Raby
Chartered Financial Adviser
With over 20 years’ experience in financial planning, I provide personalised, long-term advice to individuals, families and business owners seeking clarity and confidence in their financial future.
My approach is built around understanding each client’s wider goals, values and priorities before creating a tailored financial strategy designed to evolve alongside them over time.
As a Chartered Financial Adviser, I combine holistic financial planning with the support and resources of St. James's Place, one of the UK’s leading wealth management organisations.
Specialisms: Retirement planning, Company Directors, Business Owners, Inheritance Tax and Estate planning, Gifting and Trust planning, Personal and business protection insurance, Pensions.
About
With more than 20 years’ experience in financial planning and wealth management, Thomas provides thoughtful, long-term advice tailored to individuals, families and business owners seeking clarity and confidence in their financial future.
Having begun his career in 2005, Thomas built extensive experience within a leading High Street Bank before progressing into Private Banking, where he advised clients with increasingly complex financial and wealth planning needs across London and the Southeast.
This background gave him valuable insight into private wealth management, banking structures and the importance of building trusted long-term client relationships based on discretion, professionalism and personal service.
Today, Thomas combines technical expertise with a highly personal approach to financial planning. He believes effective advice begins with understanding the person behind the finances — their family, ambitions, concerns and long-term priorities.
His advice is holistic and centred around creating structured, practical financial plans that evolve over time. This often includes investment planning, retirement planning, inheritance tax mitigation, long-term care planning and the use of cash flow modelling to help clients visualise their future and make informed financial decisions with confidence.
Now based back in East Anglia, where family life remains deeply important to him, Thomas works closely with clients over many years, often across generations, helping them preserve, grow and pass on wealth in a considered and tax-efficient manner.
As a Chartered Financial Adviser, Thomas is committed to maintaining the highest professional standards within the profession while delivering advice that is clear, personal and built around trust.
“I believe the strongest client relationships are built on trust, consistency and genuinely understanding what matters most to people and their families.”
Advice and services
We offer an excellent wealth management service which will help you achieve your goals
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St. James's Place Guarantee
St. James's Place guarantees the suitability of the advice given by members of the St. James's Place Partnership when recommending any of the wealth management products and services available from companies in the group, more details of which are set out on the Group's website.
SJP Approved 10/02/2025
The Partner Practice is an Appointed Representative of and 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 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.
