Personal & Business Finance
One advisory desk for household wealth, company cash, investment policy and the conversations that connect them.
Raymond SachsFinance · Investment · Consulting
Raymond SachsFinance · Investment · Consulting
One advisory desk for household wealth, company cash, investment policy and the conversations that connect them.
Strategy, manager selection, risk budgets and reporting that boards and families can actually use.
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years of combined planning, investment and consulting experience
Every financial decision sits inside a larger story: a family that wants independence, a founder protecting a payroll, a professional preparing for a long retirement. Raymond Sachs helps you name that story, then build the cash-flow, investment and governance structure that can carry it.
We welcome ambition and we respect risk. Our role is to translate markets, tax-aware planning ideas and operating realities into a sequence of choices you can own — with reporting that shows whether the plan is still working.
Average client satisfaction across advisory engagements
Households and businesses supported through planning cycles
Hidden product commissions — advice is the service
Three core practices sit at the centre of our work. Each can stand alone, and they are more powerful when they talk to each other.
Goals-based portfolios, tax-aware implementation and a written investment policy that keeps behaviour aligned when markets move.
Read MoreCommittee education, manager research, asset-liability thinking and reporting packs designed for trustees and finance leads.
Read MoreIncome mapping, withdrawal design, employer-plan reviews and the coordination of savings across personal and company vehicles.
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Markets reward patience more often than prediction. We design policy, process and portfolios that can survive both enthusiasm and fear.
Diversification across regions, factors and vehicles so no single story dominates the outcome.
Balance-sheet strength, cash buffers and investment of surplus that respect the operating cycle.
Research notes, scenario work and plain-language briefings for families and leadership teams.
Planners, investment specialists and consultants share one file so advice does not conflict.
Equity compensation, concentrated stock, partner draws and the jump from founder cash to an investment policy. We help principals separate operating risk from personal wealth and plan liquidity events with tax-aware sequencing.
A simple sequence keeps advice honest: discover, design, implement, then review on a calendar — not only after a headline.
We had savings, a company account and no single picture of risk. Raymond Sachs built a written plan, simplified the portfolio and still made space for the business cash we need to sleep at night. The advice is calm, specific and follow-through is real.
We organise your money life: cash-flow, protection gaps, investment policy, retirement income and the business decisions that sit beside personal wealth. The deliverable is a written plan, a portfolio mandate and a review calendar — not a product catalogue.
Professional firms, financial services households, real-estate owners and owner-managed manufacturing or trade businesses. The methods travel; the nuance is in compensation, illiquidity and governance.
No honest advisor can. We can guarantee a process: diversified design, documented risk, rebalancing rules and the discipline to avoid improvising under stress. Outcomes still depend on markets, contributions and time.
We start from cash, covenants and people — then layer investment policy. A beautiful spreadsheet that ignores payroll season is not a plan. Ours are built to be used in the next leadership meeting.
Short notes on personal finance, investment behaviour and business treasury — written for decision-makers who do not have time for noise.
Clear planning, disciplined portfolios and practical consulting — so personal and business finances can grow with purpose rather than guesswork.
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