The benefits of a tailored service for clients at or approaching retirement
Retirement is no longer a single event, it’s a journey
As clients live longer and face increasingly complex financial decisions, the role of the adviser has never been more critical.
At Rathbones, we understand that retirement income planning requires more than just investment performance, it demands a personalised, flexible, and emotionally intelligent approach.
This retirement hub is designed to support financial advisers with the insights needed to deliver exceptional outcomes for clients planning for or approaching retirement.
Whether you're helping clients transition from work, navigating the complexities of decumulation through sustainable withdrawals, or preparing for intergenerational wealth transfer, we’re here to support you every step of the way.
Why retirement advice needs to evolve
A changing landscape for retirement planning:
- The shift from defined benefit to defined contribution pensions has placed more responsibility on individuals and their advisers.
- Clients are living longer, with many facing 30+ years in retirement.
- The FCA’s thematic review (TR24/1) highlights the need for tailored, ongoing advice that adapts to life’s changes.
- Consumer Duty reinforces the importance of fair value, personalised service, and good client outcomes.
Our approach
Bespoke investment management for retirement
Our bespoke investment management service is designed specifically for clients at or approaching retirement. We work in partnership with advisers to:
Deliver retirement income strategies
Manage sequencing, inflation, and longevity risks
Align portfolios with tax planning, cashflow modelling, and client goals
Provide a named investment manager for ongoing support
This collaborative approach allows you to focus on what matters most — building trusted relationships and guiding clients through life’s transitions.
Webinar recording
Catch up on our webinar featuring Guy Opperman, former Pensions Minister and MP and other industry experts. Explore the latest developments — from the 2024 Thematic Review to the new Pensions Bill — and discover practical strategies for advisers.
Retirement report
Our latest research, developed in partnership with The Lang Cat, explores how the concept of retirement has evolved and what this means for advisers and their clients.
With shifting regulations, increasing longevity, and the move from defined benefit to defined contribution pensions, advisers face new challenges and opportunities. The report examines how the industry is responding, the growing importance of personal agency in later life, and why more firms are outsourcing investment management to focus on delivering real value through financial planning.
At retirement resources for financial advisers
Resources to support you and your clients
Retirement insights
2 mins
19 August 2025
How bespoke services help advisers deepen relationships and grow their business
Bespoke investment management is often positioned as a client benefit. But for advisers, it’s proving to be just as powerful – helping firms grow, strengthen relationships and deliver a more personalised experience.
3 mins
12 August 2025
Why tax changes are driving demand for bespoke portfolios
Tax changes are forcing advisers to rethink how they manage portfolios for clients with significant wealth. With growing pressure to balance tax efficiency and long-term growth, bespoke investment management is emerging as an increasingly valuable solution.
3 mins
5 August 2025
Wealthier clients, changing needs
As more clients cross the £250,000 mark, advisers are having different conversations. Expectations are changing, complexity is increasing – and a more personalised approach is becoming essential.
Bespoke investment management is no longer a niche offering. It’s fast becoming a central way for advisers to deliver long-term value to clients with larger portfolios and more nuanced needs.
Let's talk
Whether you're refining your Centralised Retirement Proposition (CRP), exploring outsourcing options, or supporting clients with complex needs, Rathbones is here to help. Contact us to speak with our team or arrange a meeting.