Rathbones for Financial Advisers

Working with you. For your clients.

We have been supporting advisers for many years. As an expert, you’re trusted to provide high quality advice. So, when your clients turn to you, you know you can turn to us.

It’s important to find partners who can provide trusted investment management solutions, and active partnership in achieving your client’s goals.

We understand the importance of this type of partnership. Supporting you in helping secure your clients’ financial future is a responsibility we take very seriously. From the outset, we’ll work in a way that is right for you, and as close to hand as you require us to be to help your clients make the most of their investments.

Working with us will help simplify your investment choices and the day-to-day demands of portfolio management. What you gain is more time to focus on your clients, and a long-term partner that acts in the best interests of your clients. Because we appreciate the trust that’s involved when you partner with others.

We’ll build a relationship around products and service levels that will aim to meet the needs of your clients. You’ll have access to a suite of relevant investment solutions that can integrate appropriately with your own approach and operations.

How can we help you?

Our distinctive LED approach to asset allocation and risk management

Some investment managers may take a single view of investments and portfolio management, focused solely around growth. We’ve changed that conversation.

Our LED investment framework focuses on liquidity, equity type risk and diversifiers and follows a core philosophy that portfolio diversification should be built around managing real risk. The six risk-rated strategies of LED are the foundations of this investment approach.

It’s an approach that allows us to give every partner and their clients — irrespective of the size of their investment — a consistent approach to how we think about portfolio assets. The result is value across the entire investment journey, and risk that is managed in a pragmatic and controlled way.

Relevant investment solutions, built on a powerful philosophy

Choosing the most suitable and appropriate solutions for your clients isn’t an easy process. Somehow, there will always be an element of compromise.

We don’t believe compromise is helpful or necessary, which is why all our core products and services are underpinned by our LED philosophy. From multi-asset funds to fully bespoke discretionary management options, the diversity of offer means we can help you arrive at a relevant solution that is suitable for and in line with your clients’ objectives.

You can move between options depending on circumstances and validate every step change, which can be significant. But because the same approach underpins them all and doesn’t alter to follow fashions, you only need to speak with one investment specialist, whatever solution you choose. And you only need to carry out due diligence on Rathbones once in terms of our investment approach.

What this means is the right solution, for the right client, at the right time and at the right cost.

Our product and service range — an LED solution for every client

Funds

The Rathbone Multi-Asset Portfolios that underpin this service, are designed to deliver attractive risk-adjusted returns via a pragmatic and straight-forward investment process that provides investors with a resilient and genuinely diversified fund. You select the one that is the best fit for your client and access these funds directly or via a wide choice of external platforms.

Managed

Rathbones have carefully selected a risk-rated range of ready-made and globally diversified portfolios available under our Managed service, with a dedicated Rathbones investment manager to precisely manage the tax and cash flow around the client’s investments. The investment manager is personally on hand for you and your client when you need them, and all the investment administration is managed on your behalf.

Find out more about Managed – for advised clients

Bespoke

A dedicated Rathbones investment manager carefully constructs and manages a bespoke portfolio that is specifically tailored to your client as required. The investment manager provides a personal and bespoke service to you and your client, and Rathbones also take care of all the investment administration.

Find out more about Bespoke – for advised clients

Client engagement approaches to suit you. And your clients.

We’ve spent many years helping advisers outsource underlying investment decisions, providing optionality on the engagement approach and degrees of service you implement on behalf of your clients.

For advisers working alongside our two discretionary services Managed and Bespoke, we offer an intermediated approach, Reliance on Adviser, where you remain in full control of the client relationship and have responsibility for client suitability. And we have an introducer approach, Adviser as Introducer, where we work directly with your client. You decide which approach works best for you, and we’ll deliver it. We’ll go through the detail and the impact of each option before you make a decision. And we’ll always respect the agreed professional boundaries.

Whatever your choice, it will always be backed by our LED approach, and the discretionary investment expertise of Rathbones.

Responsible investments to align with your clients’ objectives and principles

Our desire to do business in the right way puts responsible investing at the heart of our approach. And as stewards of your clients’ wealth, we have a role in shaping the future for people and the planet.

Protecting the value of capital means considering the issues carefully. We look at regulatory change, take an active involvement in the behaviour of corporations, and we listen to the feedback of investors and their advisers.

At the same time, we are aligned to key global initiatives, including the UN’s ‘Principles for responsible investment’. We’re also a member of the FTSE4Good Index of companies.

Ultimately, your clients are free to make their own ethical choices. If they’re seeking a sustainable approach, our LED framework can be applied across all our solutions, working with our Greenbank colleagues, specialists in ethical, sustainable and impact investment.

Find out more about responsible investment at Rathbones.

Find out more about Rathbones being a Responsible Business

Specialist solutions for specific client needs

We support your ability to offer clients a total wealth solution, from planning to investing — our approach focuses on wealth in its entirety.

Advisers often come to us to accommodate more specialist requirements for some of their clients.

This can include solutions for charity trustees, those who have received a personal injury award or hold funds under the Court, clients seeking sustainable, ethical or impact investing, or those looking to mitigate inheritance tax using business relief.

We can also provide a home for clients with offshore investing requirements through our Jersey office, facilitate short-term lending requirements as well as support clients with US tax reporting needs.

Delivering value

We aim to deliver relevant solutions to clients that represent fair value. Cost represents only part of this calculation — the other is service.

Our core range of investment solutions has a constant running throughout and as advisers, you can be assured that our LED asset allocation and risk management framework extends across the range regardless.

To determine what constitutes fair value for your clients, we are transparent about our pricing, setting out both our costs as well as any external costs that would be faced by your clients in any given solution. We compare our pricing with other comparable competitor services as part of our assessment of fair value along with our costs to manufacture and distribute a service.

Set against this, we also consider the features that each service provides, having also considered the investment past performance we have delivered to clients.

Only then we will deem whether the total costs charged to your clients are deemed reasonable when compared to the benefits they have received.

Supporting You

Insights

1 November 2024

Opportunities and challenges for the charity sector in the 2024 Autumn Budget

The Autumn Budget 2024 presents a mixed picture for the UK charity sector, with both opportunities and challenges. Read our key highlights below.

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3 mins

1 November 2024

Autumn Budget Summary

Find out how the the Chancellor's plans change tax rates, thresholds and rules for you and your business, from the big adjustments to the tiny ones you may have missed.

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1 min

30 October 2024

How might the Autumn Budget affect you?

In one of the most anticipated Budgets in recent history, Chancellor Rachel Reeves raised £40 billion of taxes, which will fall predominantly on businesses and the wealthy. With a Labour manifesto that promised to protect “working people” and boost economic stability and growth, there was much speculation over how the £22 billion black hole in the nation’s finances would be filled.

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9 mins

30 October 2024

Autumn budget: Labour hits reset

Big changes to taxes, spending and the fiscal rules. Rachel Reeves used her long-awaited first Budget to hit reset, with big increases in tax and spending alongside a major change to the fiscal rules. While there are significant implications for individuals’ financial planning as capital gains and inheritance tax change, this article focuses on the potential effects on the UK economy and financial markets.

Find out more

4 mins

RATHBONES FOR FINANCIAL ADVISERS

Working with you. For your clients.

We have been supporting advisers for many years. As an expert, you’re trusted to provide high quality advice. So, when your clients turn to you, you know you can turn to us.

It’s important to find partners who can provide trusted investment management solutions, and active partnership in achieving your client’s goals.

What happened in the Autumn Budget

How can we help you?

Our distinctive LED approach to asset allocation and risk management

Relevant investment solutions, built on a powerful philosophy

Our product and service range — an LED solution for every client

Client engagement approaches to suit you. And your clients.

Responsible investments to align with your clients’ objectives and principles