Additional services for advisers

Helping you meet a wider range of client needs, efficiently and effectively

Sometimes it’s the additional services that make the difference, helping you meet a specific need, simplify an arrangement or make your clients’ finances work more efficiently. At Rathbones, we offer a range of complementary solutions that sit alongside our core investment propositions and can be accessed where appropriate.

These include pension wrappers, short-term savings options and lending facilities – all delivered with the same level of personal service and professional care.

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Designed to add value, not complexity

These services aren’t afterthoughts – they’re designed to integrate with your client’s portfolio and support your wider advice. Whether you’re helping someone manage retirement savings, bridge a funding gap or put surplus cash to work, we’ll make the process smooth, efficient and well supported.

However your clients want their money managed, we can help. Our team works with financial advisers across the UK, offering the reassurance of one of the UK’s leading discretionary managers – and the flexibility to support a wide range of client needs.

Why it matters for your clients

More control and flexibility. Whether it’s managing their pension more actively or borrowing without needing to sell investments, these services give clients greater financial freedom.
Built-in support for life’s transitions. Features like portfolio lending or time deposits can help clients manage income gaps, plan for large purchases or hold cash securely within their broader investment relationship.
A consistent experience. Clients benefit from having everything in one place – with clear reporting, joined-up thinking and a familiar point of contact.

Why it matters for your business

A single provider, less complexity. Offering services like SIPPs or portfolio lending through Rathbones can streamline client arrangements, cutting down on admin and helping you work more efficiently.
Designed to fit with your advice. Each solution is designed to work alongside your planning, whether that’s enhancing tax efficiency, managing risk or improving cash flow options.
We do the heavy lifting. Our teams manage the administration allowing you to focus on your clients without getting bogged down in paperwork.

Key services at a glance

Self-Invested Personal Pension (SIPP). Provides tax advantages and flexible investment options, with full administration support and integration across our investment services. Available to clients using our Bespoke, Managed and Select propositions.
Time deposits. A simple, low-risk way for clients to earn a fixed return on cash over a set term – typically from 28 days to six months or longer. Available in multiple currencies and can be held within or alongside a discretionary portfolio.
Portfolio lending. Clients can borrow against their investment portfolio, providing short-term liquidity without the need to sell assets. Loans of up to 50% of portfolio value are typically available, with a five-year term. Offered directly through Rathbones or via our strategic partnership with Investec Bank.

Working with financial advisers

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How we work with advisers

Flexible, professional and built around you

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Building your Clients' portfolio

Tailored investment management that fits your financial plan

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Our approach to risk management

Designed to protect capital and support long-term goals

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Core strategies

A consistent foundation for portfolios across our services

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If you need immediate assistance, please don't hesitate to call our Helpdesk at 0800 151 3355. We're available Monday to Friday, from 8am to 6pm (excluding bank holidays), and we're here to help with any questions or issues you may have.

If you're interested in registering for MyRathbones, please reach out to your investment manager directly. For more information on MyRathbones, you can visit our website here.

If you are an existing client, please contact your investment manager or financial planner directly to address your query or visit ⁠our people page.

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Additional services for financial advisers

Helping you meet a wider range of client needs, efficiently and effectively

Designed to add value, not complexity