Catch up on the latest developments – from the 2024 Thematic Review to the new Pensions Bill – and discover practical strategies for advisers.
Retirement is no longer a single event
With shifting regulations, increasing longevity, and the move from defined benefit to defined contribution pensions, advisers face new challenges and opportunities.
- 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
With bespoke investment management, we create and manage your client's portfolio specifically for them. They have a dedicated investment manager who works closely with you to ensure their investments reflect their income needs, time horizon and wider financial plan. 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
Why partner with Rathbones
We’ve worked in partnership with advisers for more than 25 years. Trust and collaboration are at the heart of everything we do.
Our investment services are designed to support firms of all types and sizes. Whether you want to outsource portfolio management or build your own centralised investment or retirement propositions, we’ll help you deliver the right service for your clients.
You’ll have access to a specialist team that understands your world. We’re here to answer your questions, provide insight and make things simpler – so you can spend more time with clients and focus on growing your business.
CPD & thought leadership
Resources for you
Lang Cat 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.
FT Adviser webinar
Catch up on our webinar in partnership with FT Adviser, ‘Redefining retirement support in a new age of uncertainty’.
Guide to reframing risk in retirement
Earn 60 minutes’ CPD and sharpen retirement conversations. Explore how de-risking has changed, reframe advice language, and address longevity when planning resilient, client-specific income.
Guides
Resources for your clients
Seven retirement tips
7 tips to help your clients achieve their retirement goals. Prepare with confidence so finances can support the life they want to lead beyond work.
Keep your retirement on track
Keep retirement planning on track by avoiding these common mistakes. Build lasting confidence in plans by understanding the small decisions that can make a big difference.
Worried about your retirement income?
Simple steps your clients can take to help stay in control, feel more confident and avoid running out of money.
How to build a £1m pension pot
See what it takes and how starting early can make a big difference.
Keep more of your money in retirement
A well-structured income plan could mean less tax, more flexibility and fewer financial surprises later in life.
Will your savings last until you are 100?
Practical steps your clients can take to help money go further, and support the life they want.
Retirement insights
1 min
7 July 2026
Does William Bengen’s 4% rule still apply today?
For three decades, William Bengen’s 4% rule has shaped how advisers and retirees think about sustainable withdrawals. Originally published in 1994, the rule suggested that a retiree could withdraw 4% of their portfolio in the first year (gross of fees), increase that amount with inflation, and reasonably expect their funds to last 30 years. But does that guidance still hold in 2026? Recent research and Bengen himself suggest it may no longer be the optimal starting point.
5 mins
3 July 2026
Pension drawdown: building flexible retirement income
Pension drawdown gives clients flexibility over how and when they take income, while keeping their capital invested for the long term. For advisers, the challenge is balancing clients’ income needs today with income sustainability tomorrow.
Enquire now
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