About us

Plan with Grace is a funeral plan provider that enables you to deal with a local funeral director or a direct cremation specialist. Our team of investment managers and custodian trustee have been specially selected for their track record, integrity, and transparent approach to charges and financial reporting.

Plan with Grace

Funeral planning has changed. The market is no longer ruled by the ‘big three’ providers, whose brands have tended to dominate at the expense of the Funeral Directors upon whom they depend for their business.

We believe that people planning their funeral want to deal with local people. They want to be sure that their funeral will be conducted with a personal touch, to their precise instructions, by a firm with whom their family has dealt for generations. Above all, they need to be sure that the money they set aside in their funeral will be invested wisely and will cover all the necessary expenses without question.

Plan with Grace is a funeral plan provider that enables you to deal with a local funeral director, the people that will organise your funeral or a direct cremation specialist. Our team of investment managers and custodian trustee www.apexfundservices.com have been specially selected for their track record, integrity, and transparent approach to charges and financial reporting.

Fund Manager

Managed by Saranac Partners, an independently owned and operated investment management business that has a London based team of over 50 experienced professionals. These investment professionals have a broad range of experience and expertise drawn from careers with a variety of preeminent financial institutions and family offices. Saranac specialise in managing unconstrained, high conviction portfolios for a variety of ultra-high net worth families and institutions.

They focus on absolute returns across the cycle. Saranac Partners are based on St James’s Street in London and they are authorised and regulated by the Financial Conduct Authority.

Visit www.saranacpartners.com/

Custodian Trustee

Apex Group Ltd., is a global financial services provider.

With over 40 offices worldwide and 3,000+ employees, Apex delivers a broad range of solutions to asset managers, capital markets and private clients. The Group has continually improved and evolved its service suite to cover three key pillars: fund solutions, financial solutions and corporate solutions. Apex administers over $650 billion in assets globally. Apex provides a range of trustee services to corporate and private clients through its legal entity, Apex Corporate Trustees (UK) Limited.

Visit apexfundservices.com


The Funeral Planning Authority (FPA) is an organisation set up by the industry to regulate providers in the UK pre-paid funeral plan industry. Our primary aim is to ensure providers that are registered with the FPA are operating in a manner that will result in customers getting the funeral they have paid for when it is needed.

We do this by checking that all registered providers abide by a set of Rules and a Code of Practice, which exceed the statutory requirements. We also help customers who have a complaint about a plan or a provider by attempting to resolve matters with the provider. If resolution is not possible we will provide access to our independent dispute resolution process.

The FPA is not a trade or membership body that providers can just pay a fee to join. Rather they can choose to apply for registration, and then the onus is on them show that they can operate to the higher standards demanded by our Rules and Code of Practice. This is then tested on an annual basis when a providers re-registration application is considered by the FPA’s Compliance Committee.

Visit funeralplanningauthority.co.uk

Our independent trustees

Jeremy Attard-Manché

Jeremy Attard-Manché, born in 1960, joined Noster Investments Ltd. in 2012.

Directly prior to this, he was a partner at Tell Investments, which he joined in 2003, initially in London, and subsequently also in Malta, and together with Patrick Schegg as the other principal partner of the firm, managed three Cayman-registered hedge funds, with total assets under management of c. EUR 1 billion across three funds.

Previously to this, he was a Managing Director for Merrill Lynch in London, responsible for all hedge fund distribution in Europe (including cash, equity-linked and prime brokerage products).

Between 1998 and 2001 he was head of the top ranked London-based team of Pan European specialist and generalist research salesmen.

From 1991 to 1998, Mr. Attard-Manché worked in New York and ran the U.S.-based European institutional sales team. He moved to New York in 1988 with James Capel, where he was a Senior Vice President covering U.S. Institutional clients across the United States.

He joined James Capel in London in 1985, working in their private client asset management division.

Jeremy Attard-Manché graduated with a B.A. Honours degree from Greenwich University.

Rory Hills

Rory Hills is a City veteran with more than 30 years’ experience in research, portfolio management and sales with the financial industry. For the past decade he was Chief Investment Officer of Hilltop Fund Management, a company he founded in 2009 to focus on non-correlated investment strategies.

Prior to Hilltop, Rory spent seven years with Dexion Capital, a boutique investment bank focused on the alternative investment industry. Rory was a director of the firm from March 2005 to end-2008, where he managed the company’s Single Manager Marketing business.

Rory started his career with Cazenove in 1986 and in his seven years at the firm worked in their New York, Singapore and London offices, engaged in equity research and institutional sales. He left Cazenove in 1994, joining Crosby Securities, going on to head up the firm’s London sales team in 1996 and, following Crosby’s acquisition and integration into SG Securities, this role expanded to encompass Head of Sales for all of SG’s emerging market equity operations in London.


David Downie is a qualified Actuary with over 25 years of experience in Pensions Consultancy. David trained with two of the largest consulting actuarial firms in the UK. He is responsible for all actuarial and technical services provided by Embark Actuarial including holding the appointment of Scheme Actuary to several Defined Benefit Schemes. He pioneered the concept of the defined benefit small self-administered scheme (DB SSAS) under the Post A-day simplification landscape.

David has spent several years on the committees of the Association of Pensioneer Trustees and its successor the Association of Member-directed Pension Schemes (AMPS) where he fulfilled the post of Treasurer. In recognition of his long service, he is now a life member of AMPS. David continues to be a member of the Association of Consulting Actuaries (ACA) small schemes committee. David has also advised Trustees of Funeral Plan Trusts for nearly 2 decades and is also a member of the Institute and Faculty of Actuaries Funeral Plans Working Party.

Embark Actuarial

Embark Actuarial provides professional and specialist actuarial solutions to trustees and directors of Small to Medium Enterprises (SME) firms. We are fully independent, and we work with a range of professionals including Independent Trustees, Lawyers and Financial Advisers. Our in-house actuarial team have over 90 years combined experience and are available to support the needs of those responsible for group schemes and trusts or who require actuarial assistance for a specific project.

This means providing first-rate, personal service to trustees and sponsoring employers of occupational pension schemes and prepaid funeral trusts. Senior members of the Embark Actuarial team are fellows of the Institute and Faculty of Actuaries which is the UK’s only chartered professional body dedicated to educating, developing and regulating actuaries based in the UK and internationally.

Embark Actuarial is part of the Embark Group. The Embark Group is a fast growing, diversified, financial services business and one of the largest full-scale retirement solutions providers in the UK. We operate successfully in both the adviser and institutional areas of the retirement market and power some of the UK’s largest retail financial services businesses.

Embark Actuarial is a trading name of Embark Investments Limited. Embark Investments Limited is a company incorporated in England Company Number 03383730 and is regulated by the FCA registration number 628981.

Visit www.embarkactuarial.co.uk


Established in 1989, Kirk Rice is a leading independent firm of accountants, tax advisors, and financial advisors with offices in North Hampshire, Berkshire and London. We provide a full range of services to owner-managers, corporates, and private clients. These include accountancy, taxation, audit and assurance, outsourced accounting services and financial planning.

By taking the time to understand the needs of our clients, going above and beyond, fulfilling our promises, and providing value for money, we are committed to providing exceptional service. We specialize in establishing long-term, transparent and honest professional relationships to assist clients in solving their problems, capitalising on opportunities and achieving their goals. We help clients by understanding their business and by understanding how they operate. Our consistent track record of growth has been achieved by ensuring existing clients remain valued and engaged, whilst new clients are fully supported from the outset by our full-coverage service.

Visit kirkrice.co.uk

Some things in life should be easy

We make sure that you focus on what’s important
Find out who we are, and meet some our the team behind Plan with Grace.
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