Your Comprehensive Financial Planning Partner in Cumbria
At RDBIFS Ltd, our commitment is to work alongside you, putting your interests first, to ensure your financial journey throughout life makes perfect sense.
We specialise in assisting individuals in defining the destination of their financial journey to align with their life goals and lifestyle aspirations. Once these goals are established, our expertise lies in collaboratively exploring the pathways to reach them. We place great importance on listening to our clients, and as such:
- We serve as a trusted source of advice when you need it most.
- We strive to optimise returns on your investment capital.
- We excel in explaining complex financial jargon in plain, understandable language.
- We efficiently manage the paperwork and administrative tasks.
- And we offer a range of other invaluable services to cater to your specific financial needs.
Creating Wealth
During your working years, our primary focus is on building assets that can generate income when you decide to retire. To begin, we ensure the presence of secure, risk-free cash deposits to handle emergencies or act as general reserves. Beyond this foundation, wealth creation can take various forms, such as regular savings into unit trusts or ISAs, investing lump sums from inheritances or business sales, acquiring commercial or “buy to let” properties, exploring tax-advantaged pension plans when appropriate, or accumulating benefits in occupational pension schemes.
Using Wealth to Provide Income
At a certain stage in life, you’ll contemplate retiring and relying on your assets to maintain your desired lifestyle. The key question is whether you have “enough.” This stage is marked by income derived from assets like investments, properties, and pensions (including state pensions) being sufficient to sustain your chosen standard of living post-retirement. A significant portion of our work involves guiding clients through this pivotal phase of life.
Passing Wealth to the Next Generation
We also offer expertise in inheritance tax planning, helping clients mitigate or eliminate potential inheritance tax liabilities while ensuring the safety of their income. Striking the right balance between tax planning and income security is crucial, and we have extensive experience in devising effective solutions. We’re more than willing to collaborate with family solicitors or accountants to provide comprehensive support to our clients.
Health-related issues can arise unexpectedly in later life, and our planning accounts for these contingencies. We leverage trusts, when appropriate, to achieve seemingly challenging objectives.
Please note: The Financial Conduct Authority does not regulate Inheritance Tax Planning and Trust advice.
Protection
Life is unpredictable, and while we focus on capital accumulation, we also prioritize safeguarding against financial disruptions. This may involve life insurance to provide a lump sum or regular income in the event of death, income replacement in case of long-term incapacity, or a lump sum payout upon a critical illness diagnosis. Protecting your family’s financial security is paramount and can be tailored to fit within your budgetary constraints.
Investment Risk
Risk is inherent in all aspects of our work, from the suitability of wills and the absence of powers of attorney to investment risk. We employ a straightforward yet robust process to align the client’s desired investment risk level with the risk they need to take and can afford to take, which is of utmost importance.
Independent Financial Services in Cumbria
Ethical, honest, and inclusive financial planning services that empower you to reach your financial goals
Address
1a The Stables,
Levens Hall,
Kendal, Cumbria
LA8 0PB
© 2026 RDBIFS Ltd. All rights reserved.
RDBIFS Ltd is registered in England and Wales – Company Number 08221678
RDBIFS Ltd is authorised and regulated by the Financial Conduct Authority.
Financial Services Register number: 771172
The information and/or advice contained within this website are subject to the UK regulatory regime, and are therefore targeted at consumers based in the UK.