Who we are
Why Rathbones Reserve
What we do
Who we work with
Our thinking
Our people
Contact us
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For clients with complex wealth management needs

Rathbones Reserve

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Who we are

Rathbones provides individual investment and wealth management services for private clients, families, private offices, charities, trustees and professional partners. We have been trusted for generations to manage and preserve our clients’ wealth. Our stability comes from maintaining a strong tradition of client service combined with our commitment to invest for everyone’s tomorrow. We offer the re-assurance of good governance, transparency and accountability that comes with being a FTSE 250 listed public company. 

In business since 1742.
A FTSE 250 listed company.
Managing more than £60.9* billion for our clients.
15 offices throughout the UK and Jersey. 

*As at 30 September 2021. Includes funds managed by Rathbone Unit Trust Management Ltd.

Why Rathbones Reserve

At Rathbones we think, act and invest responsibly, offering you a fine balance of clarity, choice and control. We are independent in spirit, judgement and ownership.

We help you see – and understand implicitly – the long-term view, always considering tomorrow alongside today and your individual future alongside that of the wider world. And while your circumstances and objectives may change over time, our commitment to helping you grow, protect and preserve your wealth from generation to generation remains timeless.  

What we do

Rathbones Reserve is a highly individual wealth and investment management service curated for clients with significant assets and complex requirements.

We harness the full range of Rathbones services to demystify complex needs and offer clear yet refined solutions led by our expert teams. Whether working alongside an existing team of your professional advisers or managing every aspect in-house, we adopt a holistic approach and offer you access to the dedicated investment management, lending, financial planning and trust services of Rathbones and our external partners.

Our approach is advisory driven with the focus on securing long-term trusted relationships with our clients and partners.

Financial planning and tax

Independent advice on the best ways to improve the after-tax performance of your investments, and protect and pass on your wealth. Using our lifetime cashflow modelling tool, we can help you manage your hard-earned wealth into retirement and beyond.

Individual investment and wealth management

Access to our experienced investment managers drawing on Rathbones fund and securities research, based on your individual objectives, return targets and risk appetite. We will seek to understand your ESG (Environmental, Social, and Governance) preferences and apply them to the construction of the portfolio so that it reflects your values.

Sustainable investment and philanthropy

Individual portfolio construction to reflect your values utilising the extensive experience of Greenbank which is our specialist ethical, sustainable and impact investment team formed in 1997.

Lending

Short- and long-term financing for general liquidity purposes using Rathbones balance sheet and residential and commercial property loans via carefully selected external partners.

Trust and legal services

An experienced team of UK trust and legal experts offering tax efficient structures, wills, lasting powers of attorney and conveyancing.

Offshore expertise

International investment management delivered by our expert team in Jersey serving non-UK domiciled clients and international trust companies.

Rathbones Reserve for

Families

Family life is complex. Structures need to adjust as children leave home and have families of their own. Relationships change over time. Divorce requires new strategies on both sides.

Every family is different, which is why we provide an individual level of service covering all aspects of your wealth. Our team is experienced in curating succession planning, wealth preservation and other family goals.

We will evaluate the performance of your wealth as a whole and at individual portfolio level. An independent perspective can enhance the structuring of wealth and improve asset and liability management. We can help you create an overview of your assets, apply integrated strategies and harmonise interests within the family.

Entrepreneurs

Managing wealth where business and personal interests overlap presents particular challenges. We can help you prepare your financial structures ahead of a business sale and then assist you in the transition from wealth creation to preservation. For example, as you move from business owner to investor, we will recommend asset allocations to match your changing priorities and source the best investment strategy for your objectives.
 
Selling your business requires planning to make the most of the opportunities available. We will work with your advisers to make sure your tax planning, wealth structuring and investment strategies are robust and integrated.
 
We can help you turn the success of your business into financial security for your family, philanthropic involvement and your next project.

Senior corporate executives

Our independent advice can help you realise the rewards of a successful career.

Taking control of retirement planning is a common goal, especially for executives who have multiple pension plans. Our understanding of the changing rules and regulations affecting company and personal pensions, together with effective tax planning, can help protect your benefits.

We can review your investment strategy, optimise asset allocation and take care of portfolio management for you. Our lending services include the use of portfolios to access liquidity when you need it.

We understand how financial priorities can change as you near retirement. With our perspective on the whole of your wealth, we can help you get organised for the next stage of your life. The timing and structure of disposals is crucial; we can provide the right advice at the right time.

Professionals

When you’re busy dealing with the financial and legal priorities of others, you can easily neglect your own. Our team of financial planners and investment professionals will help you take care of your personal finances through independent advice and expert support.

Our familiarity with industry compensation models means we can advise you on how to optimise your retirement planning and tax position. We have the global research to help you stay on top of investment trends across different markets. We can also monitor the application of any investment restrictions that your investment managers should comply with.

Resident non-domiciled investors

In an increasingly complex environment for international citizens living and working in the UK, we can help you make the right financial decisions. 

Our investment professionals and financial planners are fully trained in the UK’s resident non-domiciled regulations. By gaining a complete picture of your wealth, we can make sure asset allocation is appropriate and tax plans are appropriate. 

We are sensitive to resident non-domiciled requirements concerning UK situs assets and the segregation of income and capital. Our capabilities include portfolio management for UK investor visa holders and investment managers advisers who specialise in resident non-domiciled portfolios and are trained in running US SEC portfolios.

International trust companies

Your clients are looking to you for guidance on the selection of high-quality investment managers who can tailor bespoke portfolios in a range of currencies and access to global investment opportunities. This requires a professional institutional approach based not just on investment expertise but high-quality reporting and administration. Our team of Jersey based experts and UK based investment managers are experienced in running portfolios for the underlying clients of Trust companies. They can be relied upon to follow the demanding requirements of international tax rules.

Our thinking

Our people

Get in touch

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