Sam Ratnage

Senior Wealth Manager

Sam joined Tideway in 2015 establishing and building the Wealth Management team in 2016. Sam's work includes providing high quality financial planning and advice to retired and current business executives, entrepreneurs and high net wealth individuals to ensure their financial objectives are achieved for them and their families. Shortly after joining Tideway Sam achieved Chartered Financial Planning status with the Personal Finance Society (PFS) as well as having specialist qualifications in pensions advice and securities dealing.

Sam has worked in Wealth Management industry since 2010 having previously worked for a partnership business dealing with lawyers, accountants and entrepreneurs as well as working for an International Wealth Management Business in Europe and the Middle-East. In his own time Sam is a big sports fan and likes to spend his time winding down on the golf course or walking his dog.

A selection of insights written by Sam Ratnage

Inheritance Tax and Pensions: what to do now

Sam Ratnage
August 8, 2025

Inheritance Tax and Pensions: what to do now With James and Nick away this week...

How much money do I need to retire?

Sam Ratnage
March 17, 2025

One of the most common questions we hear when people embark on their retirement planning...

Should you invest in the property market or the stock market?

Sam Ratnage
October 14, 2024

We’ve noticed that, in the UK, people tend to invest in property ahead of buying...

2024 – The Year of the Election

Sam Ratnage
April 4, 2024

Since I started working in the industry and having open investment discussions with clients and...

Should You Sell Your Buy-to-Let Property? Explore Alternative Investments

Sam Ratnage
February 15, 2024

What is happening in the Buy-To-Let-Market? Rising interest rates, government regulation and greater tenant rights...

Investors nearing or in retirement: Are They Taking Too Much Risk in Drawdown?

Sam Ratnage
December 22, 2022

Retirement specialists at Tideway Wealth warn investors not to take too much risk when investing...

Looking Long-Term – Why to Stay Invested

Sam Ratnage
November 28, 2022

The first thing you will notice is that you do have a new author for...

How to work out my cash requirements in retirement

Sam Ratnage
November 5, 2021

My first question would be, how do you visualise your retirement? Do you want the...

When can I access my pension?

Sam Ratnage
October 8, 2021

The question of when someone can access their pension appears, for the time being, as...

Restricted Stock Units: Tideway’s Guide for Tech Employees

Sam Ratnage
April 9, 2021

Recently we have seen an uptick in enquiries about the pros and cons of being...

Financial Planning

Investment Management

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