Ruhaly is a Client Relationship Manager within First Wealth’s Private Office, where she works closely with high-net-worth clients and families to deliver a seamless, highly personalised financial planning experience. She combines strong technical expertise with a natural ability to build trusted, long-term relationships.
With over 10 years of experience in financial services, Ruhaly has developed a broad and well-rounded skill set spanning international banking, management accounting, and financial planning. Before joining First Wealth, she held positions at Standard Life, Royal London, and HSBC in Hong Kong, gaining valuable global perspective and insight.
Ruhaly holds a degree in Financial Mathematics from Heriot-Watt University and is a CIMA-qualified management accountant (ACMA, CGMA). She has since completed her Diploma in Regulated Financial Planning (DipPFS) and is on a path towards becoming a fully qualified financial adviser, driven by a belief that great financial planning should be accessible, empowering, and free of jargon.
Client relationship management
Acting as the central point of contact for Private Office clients, coordinating closely with advisers, technical analysts, and providers to ensure a seamless experience and make sure nothing falls through the cracks.
Financial planning support
Preparing comprehensive suitability reports, research, and recommendations that underpin the advice our planners deliver to clients.
Intergenerational wealth planning
Supporting families in structuring wealth across generations, working with the advisers to help navigate IHT, gifting strategies, trusts, and the conversations that sit behind them.
Tax-efficient investing
Working with advisers to structure client portfolios across the right wrappers – ISAs, pensions, GIAs, VCTs, and EIS, so that more of what they earn stays with them.
What professional qualifications do you have?
DipPFS (Diploma in Regulated Financial Planning), ACMA, CGMA, and a BSc in Financial Mathematics from Heriot-Watt University.
What is your favourite book?
Memoirs of a Geisha.
Best thing you ever spent money on?
My air fryer and six months of travel across South and Central America.
Describe your perfect weekend...
Catching up on sleep, then a sunny day having a BBQ or picnic with friends and family, with the husband as head chef. Early night binging on Netflix.
What is your favourite holiday destination?
The Galápagos Islands, Ecuador.