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Mark Cowan
Last Updated: May 18, 2026
Mark is a Senior Investment Director with many years of investment experience. He manages portfolios for a wide range of individuals, families, trusts, pension funds and charitable organisations.
Mark joined Speirs & Jeffrey in 1989 after studying business studies at college and is a Chartered Fellow of the Chartered Institute for Securities & Investment. Speirs & Jeffrey was fully integrated with Rathbones in July 2019.
Jay Lawrence
Last Updated: May 19, 2026
Jay is an Investment Director and Chartered Wealth Manager, helping clients build sustainable, long-lasting wealth.
Whether that wealth is still being accumulated or already established, Jay ensures the investment strategy is aligned with each client’s broader life, business, family, and career goals. This gives clients the freedom and clarity to focus on what matters most to them.
Jay has worked within the Rathbones Group for over a decade, joining Investec Wealth & Investment in 2015 before becoming part of Rathbones in 2023.
Pension contribution limits: how much can you pay into a pension each year?
Last Updated: May 19, 2026
Understand UK pension contribution limits, including the annual allowance, carry-forward, tapering and the money purchase annual allowance (MPAA), and how to plan contributions tax‑efficiently.
Rathbone Multi-Asset Strategic Growth Portfolio S GBP ACC
Last Updated: May 19, 2026
Rathbone Multi-Asset Strategic Income Portfolio S GBP ACC
Last Updated: May 19, 2026
Rathbone Multi-Asset Total Return Portfolio S GBP ACC
Last Updated: May 19, 2026
Rathbone Multi-Asset Total Return Portfolio S GBP INC
Last Updated: May 19, 2026
Rathbone Multi-Asset Strategic Income Portfolio S GBP INC
Last Updated: May 19, 2026
Rathbone Multi-Asset Strategic Growth Portfolio S GBP INC
Last Updated: May 19, 2026
Divining the decade
Last Updated: May 21, 2026
We see inflationary pressure and opportunities in equities
Should you consolidate your pensions?
Last Updated: May 21, 2026
Pension consolidation can help some people bring clarity and simplicity to managing multiple pension pots built up over different stages of life. This guide explains when consolidation may be helpful, the risks to consider, and why the right decision depends on your individual circumstances.
Our story
Last Updated: May 21, 2026
Our long journey to become one of the largest UK wealth managers is like no other.