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.
*Funds under management at 31 March 2023.
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.
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
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.
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.
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.
Our 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.
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 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.
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.
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.
My team’s role is to ensure our clients’ needs are met by Rathbones’ full range of financial planning and investment management solutions.
We deliver this service by drawing on expert professionals within Rathbones who have extensive experience of supporting clients across a very wide spectrum of requirements. These often vary according to life stage, quantum of wealth, particular areas of interest such as responsible investment and perhaps planning for the future well-being of their families.
We create bespoke solutions to each client’s circumstances, we are advisory driven rather than looking to sell products and put the clients’ needs first rather any internal profit motive.
All of this can be delivered close to our clients’ homes as we can draw on 14 offices across the UK and Jersey ensuring proximity to our local professionals.
“Rathbones has been trusted for generations to manage and preserve our clients’ wealth. Our tradition of thinking, acting and investing responsibly has been with us from the beginning and continues to lead us forward.”
Tel: 020 7399 0081
E-mail: ian.dembinski@rathbones.com
Melanie joined Rathbones in 2014 and is head of professional intermediary business development. Her career spans 30 years in financial services working for HSBC in Hong Kong, San Francisco and Mumbai, qualifying as Chartered Accountant at EY and subsequently working in Private Client and Charity Asset Management at Deutsche Morgan Grenfell, Barings, and Jupiter. She is a Chartered member of the Chartered Institute of Investment and Securities, a charity trustee and a member of the Chartered Accountants’ Livery Company. She is responsible for our intermediary relationships with lawyers, accountants and consultants.
“It’s important to work with our key external partners to know what wealth means for our clients as individuals and for their families too. It’s our responsibility to understand each generation’s changing priorities and adjust our service to meet these evolving needs.”
Tel: 020 7399 0440
E-mail: melanie.wotherspoon@rathbones.com
Oliver joined Rathbones from Goldman Sachs in 2019 as a client development director. His main priority is to help families, entrepreneurs, senior corporate executives and professionals manage all aspects of their wealth.
“Managing wealth responsibly takes collaboration: with each client, among colleagues and with professional partners. What matters is what’s best for our clients before driving profitability for our firm.”
Tel: 020 7399 0193
E-mail: oliver.craven@rathbones.com
Colin joined Rathbones in 2016 and is a client development director responsible for ensuring that our clients benefit from the wide range of professional services from Rathbones including portfolio management, financial planning, trusts and international services. As a chartered financial planner with 20 years experience, he is well placed to serve larger clients by accessing our cross-jurisdictional expertise and financial planning teams.
“Our people are trusted to pursue value. They know when to change course to preserve it too. Being responsible for today and tomorrow, we are open to the new yet always guided by the long view.”
Tel: 020 7399 0236
E-mail: colin.monton@rathbones.com
Jake joined Rathbones in 2020. He spearheads the client development activities across the North of England and the Midlands, delivering discretionary portfolio management services to private clients, charities and trusts. He is also responsible for developing and managing intermediary relationships.
“By educating our clients, we improve their confidence in investment decision making. We demystify jargon and empower them to challenge our decision making.”
Tel: 01539 569 998
E-mail: jake.wellesley-smith@rathbones.com
Matthew joined Rathbones in 2021 to spearhead the client development activities across the South and South West of England. He has responsibility for delivering the wide range of Rathbones services to our clients and is leading the development and management of intermediary relationships across the region.
Matthew started his career in the British Army, before joining Reuters Ltd in London and then Asia. Whilst in Asia, Matthew moved into banking, working for Credit Agricole and subsequently BNP Paribas Equities & Derivatives, returning to London with BNPP. He went on to build an ETF business at Rabobank, before joining Credit Suisse Private Banking in London, where he led the business development team.
“We take our professional responsibilities seriously. We are accountable for what we do: to our clients, to each other and to the future.”
Tel: 01962 857050
E-mail: matthew.carr@rathbones.com
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Richard is a client director at Rathbone Investment Management International. He is primarily responsible for the growth of the overseas private client base with an emphasis on Asia.
Richard is a Fellow of the Chartered Institute for Securities and Investment, holds a Diploma in Trust and Estate Practice and has two degrees in Financial Services. Richard joined Rathbones in September 2018 and has over 20 years of experience in financial services in both Jersey and Hong Kong, most recently with HSBC and Brooks Macdonald.
Tel: 01534 740 531
Email: richard.gomersall@rathbones.com
The value of your investments and the income from them may go down as well as up, and you could get back less than you invested.
