The benefits of a tailored service for clients at or approaching retirement
Retirement is no longer a single event, it’s a journey
As clients live longer and face increasingly complex financial decisions, the role of the adviser has never been more critical.
At Rathbones, we understand that retirement income planning requires more than just investment performance, it demands a personalised, flexible, and emotionally intelligent approach.
This retirement hub is designed to support financial advisers with the tools, insights, and services needed to deliver exceptional outcomes for clients planning for or approaching retirement.
Whether you're helping clients transition from work, navigating the complexities of decumulation through sustainable withdrawals, or preparing for intergenerational wealth transfer, we’re here to support you every step of the way.
Why retirement advice needs to evolve:
A changing landscape for retirement planning:
- 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
Our bespoke investment management service is designed specifically for clients at or approaching retirement. We work in partnership with advisers to:
Deliver sustainable 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
This collaborative approach allows you to focus on what matters most — building trusted relationships and guiding clients through life’s transitions.
At retirement resources for financial advisers
Resources to support you and your clients
Retirement insights
Let's talk
Whether you're refining your Centralised Retirement Proposition (CRP), exploring outsourcing options, or supporting clients with complex needs, Rathbones is here to help. Contact us to speak with our team or arrange a meeting.