Our approach

We aim to provide an end-to-end service, working with our professional advisers. Having identified a practitioner’s client needs and agreed a broad approach, our investment manager will use their professional expertise to construct a portfolio, carefully chosen to match the client’s objectives and manage it day to day. 

Key features of our approach:

  • Tax packs
  • Online reporting
  • Efficient administration

Efficient administration and reporting makes it easy for us to keep both client and professional adviser (if they require) informed about the investments. They will receive valuations every quarter and with our online service, they have instant access to up to date information. 

We have very low staff turnover amongst professional staff, and the practitioners we refer to and receive referrals from appreciate our transparent fees and efficient administration.  

Should a practitioner’s client require short-term financial flexibility, we can lend money against the value of their main portfolio as an alternative to selling investments. We prepare comprehensive tax packs annually and can also produce tax packs to comply with US reporting requirements. Additionally, we can arrange for tax bills to be settled directly with HMRC on behalf of the client. 

Case study - Coping with the complex

Looking after a successful entrepreneur and his family who split their time between the UK, Ireland and the Caribbean.

The client

A client successful entrepreneur who sold his business 20 years ago. Today he splits his time between the UK, Ireland and the Caribbean, so he has to take into account very taxation-specific restrictions, like UK situs assets, as well as currency challenges.

He wants us to facilitate his lifestyle in retirement and also to co-ordinate investment management for his wider family. He has three adult children and is supporting his mother and mother-in-law. He is also concerned about inheritance issues.

Our investment solution for a complex family

The investment director and his team built a tailored investment solution using onshore and offshore accounts and investment wrappers such as SIPPs, offshore bonds and ISAs. The accounts are multi-currency to enable the client’s international lifestyle.

We look after the investment affairs of his three children and manage two offshore trusts which benefit the client’s mother and mother-in-law. We look after a total of 21 accounts across the family.

We work in close partnership with his accountant and financial planning adviser and have structured his investments to reduce the impact of IHT on his death and to ensure the family are cared for as he wishes.

Bespoke monthly and quarterly reporting is delivered to the client to track portfolio progress alongside face-to-face meetings and monthly calls.

For more information, please contact a member of our team.

Important legal information

This area of the site is for professional advisers

Please read this page before proceeding, it explains certain legal and regulatory restrictions applicable to the distribution of this information. It is your responsibility to inform yourselves of and to observe all applicable laws and regulations of the relevant jurisdiction.

This section of the website is directed only at investment advisers and other financial intermediaries who are authorised and regulated by the Financial Conduct Authority (FCA).

The information provided in this site is directed at UK investment advisers only and must not be circulated to private clients or to the general public. It does not constitute an offer to sell, or solicit an offer to purchase any investments by anyone in any jurisdiction in which such offer or solicitation is not authorised or in which a member of the Rathbone Group is not authorised to do so.

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Important Information (Terms and Conditions)

The information contained on this site is believed to be accurate at the date of publication but no warranty of accuracy is given and the information is subject to change without notice. Any opinions or estimates included herein constitute a judgement as of the date of publication and are subject to change without notice. Furthermore, no responsibility is accepted for the accuracy of any information contained within sites provided by third parties that may have links to or from our pages.

Rathbone Investment Management Limited ("RIM") is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Registered Office: Port of Liverpool Building, Pier Head, Liverpool L3 1NW. Registered in England No 01448919.

In accordance with regulations, all electronic communications and telephone calls between Rathbones and its clients are recorded and stored for a minimum period of six months.

The information provided in this site is directed at UK investors only. It does not constitute an offer to sell, or solicit an offer to purchase any investments by anyone in any jurisdiction in which such offer or solicitation is not authorised or in which a member of the Rathbone Group is not authorised to do so.

In particular, the information herein is not for distribution and does not constitute an offer to sell or the solicitation of any offer to buy any securities in France and the United States of America to or for the benefit of United States persons (being resident in the United States of America or partnerships or corporations organised under the laws of the United States of America or any state, territory or possession thereof).

In order to comply with money laundering and other regulations, additional documentation for identification purposes may be required.

Rathbones shall have no liability for any data transmission errors such as data loss, damage or alteration of any kind including, but not limited to, any direct, indirect or consequential damage arising out of the use of services provided or referred to in this website.

Past performance should not be seen as an indication of future performance.

The value of investments and the income from them can fall as well as rise and you may not get back the amount originally invested, particularly if your client does not continue with the investment over the longer term.

Changes in the rate of exchange between currencies may cause the value of an investment to go up or down.

Interest rate fluctuations are likely to affect the capital value of investments within bond funds. When long term interest rates rise the capital value of units is likely to fall and vice versa. The effect will be more apparent on funds that invest significantly in long dated securities. The value of capital and income will fluctuate as interest rates and credit ratings of the issuing companies change.

Tax levels and reliefs are those currently applicable and may change and the value of any tax advantage will depend on individual circumstances.

Investing in emerging markets or small companies may be potentially volatile, as these investments are high risk.

The design, text and images are owned, except as expressly stated by members of the Rathbone Group. They may not be copied, transmitted, displayed, performed, distributed, licensed, altered, framed, stored or otherwise used in whole or in part or in any manner without the written consent of Rathbones except to the extent permitted and under the procedures specified in the copyright Designs and Patents Act 1988, as amended and then only with notices of Rathbones' rights.