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 to strengthen your retirement advice proposition
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.
Retirement insights
1 min
18 May 2026
How the 2027 pension rule changes impact retirement and intergenerational planning for your clients
Every so often, a change in legislation comes along that asks us to pause and reassess the fundamentals of financial planning. The government’s decision to include unused pension funds within inheritance tax (IHT) from 6 April 2027 is one of those moments. You will have seen headlines and be thinking about what this means for your clients and their retirement plans, specifically if they are planning to pass wealth on.
2 mins
19 December 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.
Enquire now
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