Some things in life should be easy
We believe that when you’re planning your funeral, you want to deal with local people. You want to be sure
that your funeral will be conducted with a personal touch, to your precise instructions. Above all, you need to be
sure that the money you set aside for your funeral will be invested wisely and will cover all the necessary expenses
We are a specialist funeral plan provider who enable your family and friends to deal directly with a local funeral
director or direct cremation specialist. We will ensure that your money is safely invested and overseen by our
independent Trustees until it is required.
When you purchase a funeral plan from us you your funeral plan will automatically be protected by the Financial
Services Compensation Scheme.
Once you have bought and paid for your funeral plan, your money will be placed in a ring-fenced Trust managed by
Saranac Partners, an independently-owned and -operated investment management business with a London-based
team of over 50 experienced professionals. Authorised and regulated by the Financial Conduct Authority, Saranac
focus on delivering absolute returns on the money they invest, ensuring that adequate funds are always available in
the Trust to cover all our clients’ funeral costs, including yours when the time comes.
Apex Group Ltd., is a global financial services provider.
With over 40 offices worldwide, more than 3,000 employees and $650 billion of global assets under management,
Apex provides a broad range of fund, financial and corporate services to asset managers, capital markets and
private clients through Apex Corporate Trustees (UK) Limited. They will be responsible for ensuring that the funds
in our Trust are in safe hands.
Plan with Grace Limited is authorised and regulated by the Financial Conduct Authority, reference
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 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 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
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.
Read our latest Plan with Grace Funeral Payment Trust Solvency Assessment Report on the Actuarial Valuation as
at 30 September 2021 here.
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.
Some things in life should be easy
Everyone is unique
Plan for the future