You work directly with a financial planner and investment manager who know you personally and remain accountable for your plan and portfolio — giving you clarity, continuity and a single point of responsibility.
Wealth management with Rathbones
We have been helping individuals and families grow, protect and pass on their wealth for generations. Our approach combines expert financial planning, disciplined investment management, through a long-term partnership — so you can focus on living the life you want, while we take care of the detail.
Everything starts with understanding you — your priorities, your ambitions and what you want your wealth to achieve. From there, we build and manage a strategy that is tailored to you, and evolves as your life and circumstances change. Our team's commitment is simple, to help you invest well, so you can live well.
What is wealth management?
Wealth management is a service that brings financial planning and investment management together within a single, coordinated strategy — ensuring that every decision about your wealth supports your wider goals, rather than being made in isolation.
It is particularly valuable as wealth grows and financial decisions become more interconnected — typically spanning investments, tax, retirement and family considerations.
While it is possible to access these services separately, bringing them together allows for a more holistic approach.
What is Rathbones' wealth management service?
Rathbones wealth management combines financial planning, investment management and specialist services, delivered through a dedicated team and tailored to your goals at every life stage.
We blend each service based on the support you need and can draw on experts from across Rathbones for any specialist trust and tax requirements, as well as work closely with any other advisers you use. Any tax treatment is based on your own circumstances and tax rules are subject to change.
Who is Rathbones wealth management for?
It is designed for individuals and families, typically with £300,000 or more of investable assets, whose financial needs span both planning and investment decisions.
What does Rathbones wealth management cover?
Life stage planning is a key part of our service, helping you make decisions which are right for you at key life moments, such as preparing for retirement, receiving an inheritance, investing a lump sum, selling a business, or welcoming a child or grandchild.
How does wealth management help?
It aligns your investments, tax position, income needs and goals within a single, coherent strategy.
Wealth management, financial planning and investment management — what's the difference?
Each serves a different purpose. Here’s how it works:
Set your financial direction
Financial planning
Financial planning defines what you want your wealth to achieve — your goals, timeframes and how best to use tax reliefs and allowances.
Put your money to work
Investment management
Investment management determines how your portfolio is built and managed to support your goals.
Combine planning and investing
Wealth management
Wealth management brings the two together — adding the coordination, specialist input and ongoing partnership that ensure every decision works as part of a single strategy.
Why Rathbones for wealth management
Choosing a wealth manager is about more than accessing expertise — it's about finding a partner you can trust to take responsibility for your financial future.
At Rathbones, our approach is built around long-term thinking, disciplined decision-making and a deep understanding of what matters to you.
A dedicated team, accountable to you
Advice and implementation — not just recommendations
We don't just advise — we act. We implement decisions and actively manage your investments on your behalf, helping to reduce complexity, avoid missed opportunities and give you back time.
A joined-up approach to your wealth
Every element of your wealth is considered together — ensuring that decisions are aligned and working towards your goals, not made in isolation.
A disciplined, unconflicted approach
Our focus is on delivering consistent results through a clear and unconflicted investment approach — guided by your goals, not short-term market noise or product-led solutions.
Institutional strength, delivered personally
You benefit from the scale and expertise of a leading UK wealth manager — including in-house research, specialist committees and robust governance — delivered through a relationship that is personal, responsive and tailored to you.
A deep, meaningful relationship
Getting to know you personally is where we start. From there, we agree a plan tailored to your goals, put it into action, and stay by your side as your needs evolve. The successful relationships we build often last across generations.
What you can expect
Understanding you
We begin by listening — taking time to understand your goals, priorities and current position.
Building your plan
We translate this into a clear, structured strategy aligned to your objectives, supported by modelling where appropriate.
Designing your portfolio
Your portfolio is built around your goals, time horizon and appetite for risk — with each investment selected for a clear purpose.
Implementing decisions
We put agreed actions into place — managing investments, structuring your wealth and coordinating across your finances.
Ongoing management and review
As your life and markets evolve, we can review your strategy — adapting it to ensure it continues to work for you over time.
Recognition
Award-winning expertise, recognised by the industry
We're proud that our work for clients – and the expertise of our people – continues to be recognised across the industry. These accolades reflect our commitment to delivering exceptional wealth management and the depth of knowledge within our team.
Wealth Manager of the Year
Winner: Rathbones
City AM Awards
2026
50 Most Influential
Listed: Michelle White
PAM
2026
Best Industry Commentator
Winner: Jane Sydenham
COLWMA
2026
Take the next step and speak to us about your wealth
Arrange an introductory conversation with a Rathbones financial planner and investment manager to explore how we can support your goals.
Our investment approach
Our investment approach is designed to deliver strong results over time through discipline, clarity and consistency.
- Built around you — aligned to your goals, timeframe and risk preferences
- Every investment has a purpose — contributing to growth, stability or diversification
- Long-term focus — prioritising durable outcomes over short-term noise
- Disciplined decision-making — guided by a structured investment process
We use a robust, research-driven framework — drawing on both internal expertise and external insights — to identify opportunities and manage risk effectively.
Our process is designed to reduce bias and emotion, helping ensure decisions remain consistent and aligned with your objectives.
Our wealth management service is designed to help you make informed financial decisions and work towards your goals. Investing plays an important role in growing your wealth over time, but it's important to remember that all investments carry some level of risk.
The value of your investments can rise and fall, particularly over shorter periods, and you may get back less than you originally invested. That's why our advisers work closely with you to understand your goals, circumstances and attitude to risk.
Together, we'll agree an investment approach that reflects the level of risk you're comfortable taking and is appropriate for your objectives.
While taking a longer-term view can help smooth out short-term market fluctuations, investment returns are never guaranteed.
A plan that evolves with you
Life rarely moves in a straight line. Careers change, families grow, priorities shift and new opportunities emerge.
Our role is to anticipate these changes where possible — and ensure your financial strategy evolves alongside them, helping you invest well, so you can live well.
Whether you are building wealth, preparing for retirement, thinking about passing on assets, or navigating a major transition, we help you plan ahead with clarity and confidence.
Who wealth management is for
Wealth management is typically suited to individuals and families whose financial needs span both planning and investment decisions.
It is often most valuable:
- As wealth grows and financial decisions become more complex
- When planning for or approaching retirement
- Following a business sale or significant liquidity event
- When structuring wealth across generations
- A key life stage such as a promotion, receiving an inheritance, family planning, changes to any pension benefits.
- For self directed investors who are now seeking professional help and support.
Common situations we help with
We support clients across a wide range of financial priorities, including:
Planning for the future
- Preparing for retirement and structuring retirement income
- Preparing for major financial changes
- Planning for future generations
Managing wealth effectively
- Aligning investments with long-term goals
- Maintaining discipline through market changes
- Ensuring your wealth is structured efficiently
Coordinating your financial life
- Working closely with accountants, lawyers and other advisers
- Ensuring every decision is aligned and working together
Take the next step
Whether you are exploring wealth management for the first time or considering a change, we would welcome the opportunity to talk.
