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

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

without question.

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.

Visit www.fscs.org.uk/what-we-cover/funeral-plans/

Fund Manager

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.  

Visit www.saranacpartners.com/

Custodian Trustee

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. 

Visit apexfundservices.com


Plan with Grace Limited is authorised and regulated by the Financial Conduct Authority, reference

number: 961832

Visit: https://register.fca.org.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

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.

Visit kirkrice.co.uk


Some things in life should be easy

We make sure that you focus on what's important

Everyone is unique

Find or build a funeral plan to meet your needs and allows you to be in control of your funeral plan, both now and in the future.

Plan for the future

Once a plan is purchased, the money is held securely in the Plan with Grace Funeral Payment Trust, until such a time it is required to pay for the funeral.