Heather Rafter

Head of Financial Planning

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  • BA in Sociology
  • MA in Sociology

Meet Heather Rafter!

Heather Rafter leads the Financial Planning division at Humboldt Financial, bringing a wealth of experience in people management across a variety of industries and functions both client-facing and internal. With a strong foundation in team development and leadership, Heather is passionate about helping individuals thrive professionally and personally.

Known for her adaptability and skill to “wear many hats,” Heather excels at multitasking, prioritising effectively, and maintaining a clear focus on results. Her management style is tailored to each team member’s learning needs, ensuring that personal growth is supported and aligned with team and business objectives. At the core of Heather’s leadership philosophy is the belief that strong teams are built one individual at a time. By developing each contributor’s strengths, she fosters a collaborative environment that consistently delivers the highest standard of bespoke financial planning services to Humboldt’s clients.

Originally from Canada, Heather is happiest outdoors whether travelling with her two young children, exploring new places, or simply reconnecting with nature. She’s passionate about wellness and enjoys Pilates and yoga as part of her daily rhythm. A hands-on creative, she also loves knitting and sewing, finding calm and joy in the details.

Are you ready to get financial advice?

Join our community of hundreds of motivated and like-minded individuals who are writing the future today, while securing their legacies for tomorrow.

Investments and Savings

Get help generating a better return on your savings, with a full range of investment options which could include equities, funds, bonds and alternative investments.

Pensions

Get help on making a plan for a comfortable retirement; whether it’s starting a pension or understanding how much you should be contributing to one.

Retirement Income

Get help understanding and evaluating annuities vs. drawdown, or discussing the other available retirement income options for you.

FAQ

What’s your favourite part of your role?
While my role isn’t client-facing, my motivation is always driven by helping achieve the best possible outcomes for our clients. I’m passionate about supporting my team’s growth, facilitating learning, fostering new skills, identifying each person’s unique strengths, and ensuring those strengths are leveraged to deliver exceptional client experiences.
My expertise lies in cultivating a high-performing team of financial planners who deeply understand our clients, their goals, and the value of building meaningful, lasting relationships with them. My focus is on ensuring our team has the tools, knowledge, and support to deliver personalised, high-quality financial planning.
Most of the challenges I help solve relate to supporting my team in doing their best work. This often means finding ways to make processes more efficient, fostering collaboration across different areas, and helping individuals build confidence in their skills. I’m often asked how we can approach things differently or overcome obstacles, and I enjoy working with the team to find practical, creative solutions that keep us moving forward together.
Each day at Humboldt brings fresh challenges and opportunities to learn. I’m encouraged to innovate, explore new approaches, and am given the resources to put ideas into action. The culture is deeply rooted in collaboration and positivity, creating an exceptional working environment where colleagues feel more like friends. We support each other wholeheartedly, both professionally and personally, which makes for a truly rewarding workplace

Connect with Heather Rafter

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