{"id":1139,"date":"2022-04-21T00:00:00","date_gmt":"2022-04-21T00:00:00","guid":{"rendered":"https:\/\/www.rbcwealthmanagement.com\/en-eu\/2022\/04\/21\/when-do-i-need-a-wealth-manager\/"},"modified":"2024-02-01T09:50:51","modified_gmt":"2024-02-01T14:50:51","slug":"when-do-i-need-a-wealth-manager","status":"publish","type":"post","link":"https:\/\/www.rbcwealthmanagement.com\/en-eu\/insights\/when-do-i-need-a-wealth-manager","title":{"rendered":"When do I need a wealth manager?"},"content":{"rendered":"\n<div class=\"wp-block-group is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-rbcwm-well well is-style-b-blue-tint-4\">\n<p>Engage with a wealth manager before questions surrounding your wealth and goals start to become burdensome. They can help you:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Navigate and plan for life\u2019s key moments such as selling your business or having children<\/li>\n\n\n\n<li>Untangle your complex financial needs or income streams<\/li>\n\n\n\n<li>Create a long-term wealth plan to help achieve your financial and lifestyle goals<\/li>\n\n\n\n<li>Plan for a comfortable retirement<\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<p>Most people understand the importance of managing wealth and the decisions surrounding it. But when it comes to the role of a wealth manager, the benefit they can provide and when to engage with one, there is often a need for more education.<\/p>\n\n\n\n<p>Part of that stems from the challenge of <a href=\"\/insights\/what-is-wealth-planning\">defining the role of a wealth manager<\/a>, says Samantha Brown, director \u2013 Relationship Management at RBC Wealth Management in the British Isles. It&#8217;s not surprising since the financial services industry is filled with different terminologies \u2013 independent financial advisor, investment manager, private banker, relationship manager \u2013 often used interchangeably, but not interchangeable in terms of the depth of service they can provide.<\/p>\n\n\n\n<p>A wealth manager, explains Brown, encapsulates all those roles. \u201cThey&#8217;re the conductor of the orchestra, including the planning of what comes next and the thought process around all your priorities as an individual or family.&#8221;<\/p>\n\n\n\n<p class=\"is-style-default\">For most high-net-worth individuals \u2013 whether they&#8217;re business owners, busy executives or parents juggling family life \u2013 there is value in sitting down with a wealth manager. In fact, a 2023 RBC Wealth Management survey of UK high-net-worth individuals found that 60 percent feel as though they would benefit from further guidance on wealth management areas<sup>1<\/sup>. Fundamentally, understanding the role of wealth management professionals makes it easier to know when to engage.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-when-is-the-right-time-to-hire-a-wealth-manager\">When is the right time to hire a wealth manager?<\/h2>\n\n\n\n<p>Life is full of milestones and transitionary moments, and those pivots and changes tend to raise questions about where you&#8217;re at, financially speaking. \u201cEvery stage of your journey comes with a linked financial event that you could quite easily see as the trigger to engage with a wealth manager,&#8221; says Annabel Bosman, regional centre head &#8211; London &amp; South East for RBC Wealth Management in Europe.<\/p>\n\n\n\n<p>She points to anticipated triggers such as starting a new job, buying property, establishing or selling a business, <a href=\"https:\/\/www.rbcwealthmanagement.com\/en-eu\/insights\/transferring-wealth-customising-a-plan-for-modern-families-and-the-next-generation\">transitioning wealth to children or grandchildren<\/a> or succession planning. Other triggers might be expected but harder to plan for, such as a sudden move across a border for work or a death in the family. <\/p>\n\n\n\n<p>All these things are likely to prompt questions surrounding wealth, says Bosman. Many high-net-worth individuals already have a relationship established with a financial planner, an accountant or lawyer. But when managing finances grows beyond your current team&#8217;s capabilities, it&#8217;s time to consider talking to someone who can coordinate and meet all those needs. \u201cWhen you have those sorts of internal questions and it becomes challenging for you to answer them on your own, [then] what you need is to pull somebody in.&#8221;<\/p>\n\n\n\n<p>Bosman says she often comes across scenarios in which a client has experienced one of these transitionary moments but is hesitant to engage with a wealth manager. That intimidation factor is especially prevalent in cultures or families in which talking about finances isn&#8217;t always socially acceptable. \u201cFor a lot of people, it&#8217;s quite a scary thought \u2026 as though the worry is that you are going to show a lack of understanding or a lack of planning,&#8221; she says. \u201cBut the reality is: for most of us, we experience these things once in our lives, so there&#8217;s nothing wrong with engaging an expert to check that you are still on track when you do hit that inflection point.&#8221;<\/p>\n\n\n\n<section class=\"wp-block-rbcwm-rbc-block rbc-block rbc-block-well rbc-block-small rbc-block-grey rbc-mid-page-cta has-block-grey-background-color has-background\"><div class=\"\"><div class=\"row \"><div class=\"col-lg-12\">\n<h4 class=\"wp-block-heading cta-title\" id=\"h-lorem-ipsum-dolor-sit-amet\"><strong>Planning that powers your ideas<\/strong><\/h4>\n\n\n\n<p class=\"cta-content\">Our wealth planning team can help put your plans on a path for success.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\" style=\"margin-top:var(--wp--preset--spacing--50)\">\n<a class=\"wp-block-button rbc-button-no-icon rbc-mid-page-button is-style-secondary rbc-button rbc-button-secondary\" href=\"https:\/\/www.rbcwealthmanagement.com\/en-eu\/contact\">Contact us<\/a>\n<\/div>\n<\/div><\/div><\/div><\/section>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-do-you-find-the-right-wealth-manager\">How do you find the right wealth manager?<\/h2>\n\n\n\n<p>Ideally, you engage a wealth manager before the questions surrounding your wealth and your goals become a weight on your mind. That&#8217;s the core of long-term planning: determining where your life&#8217;s decisions sit within your wealth journey. Wealth management professionals work best when they can build a trusted relationship with you and capture your values, motivations and objectives.<\/p>\n\n\n\n<p>From Brown&#8217;s perspective, wealth management is often seen as delivering a service based on an ask. &#8220;It is actually creating a plan to deliver on priorities and goals aligned with your values,&#8221; she says.<\/p>\n\n\n\n<p>It also requires a level of transparency and candour from both parties.<\/p>\n\n\n\n<p>\u201cLet&#8217;s say loyalty is really important to a client \u2026 alongside simplicity and curiosity,&#8221; says Brown. Now suppose that client has a relationship manager whose values are slightly different, maybe they are generosity, discipline and service. \u201cAs the relationship manager, it&#8217;s important to understand those similarities and differences and to make sure the client is getting what they need, so the relationship works for the long term.&#8221;<\/p>\n\n\n\n<p>Brown and Bosman agree a wealth manager&#8217;s role should be to question and challenge goals and priorities and how they align with values, because those are the filters that every decision \u2013 from how you invest, to how you plan and protect your legacy \u2013 will move through.<\/p>\n\n\n\n<p>Quite often a client will come in with an idea of what they want to achieve and how to get there, or a business-owning family will be so focused on their enterprise they lose sight of what they&#8217;re trying to accomplish, says Bosman. \u201cThe more you drill into it, the more you realise that, actually, they&#8217;re at odds with what they&#8217;re saying and what their values are,&#8221; she explains. \u201cPart of our role is to unearth that, challenge it and create that slight tension to ultimately come out with a roadmap \u2013 we&#8217;re creating organisation out of chaos.&#8221;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-happens-next\">What happens next?<\/h2>\n\n\n\n<p>Before engaging a wealth manager, it helps to take stock of your current financial picture. \u201cThe first thing you should do is think about your life and what stories you want to create,&#8221; she says. It could be based around family or your business \u2013 the goal is to think about your key priorities. \u201cStart to get an idea of the levels of importance \u2026 what are the questions that I need to be asking of my potential wealth manager?&#8221;<\/p>\n\n\n\n<p>It doesn&#8217;t have to be a deep dive, says Bosman, but before you begin conversations with a wealth management professional, establish a starting point \u2013 a balance sheet of assets and liabilities, a list of goals and your ideas surrounding your legacy or succession plan<mark data-mark-id=\"fe22c9b7-ae33-40f9-bc83-104bb43e905c\" class=\"\"><\/mark>.<\/p>\n\n\n\n<p>\u201cIf you&#8217;ve had some time to think about that, it makes discussing finances more comfortable because, for a lot of people, it&#8217;s not easy to sit in a room and talk about money,&#8221; says Bosman. \u201cNot every client does that. But if you do, it&#8217;s amazing how quickly you can feel much more in control when you start that conversation.&#8221;<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p><sup>1<\/sup> Kantar \u2013 RBC Wealth Management UK brand tracking survey, Oct. 2023. Sample: 600 UK-based HNW individuals.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>We answer some common questions you may have when deciding whether a wealth manager is right for you at this time in your life.<\/p>\n","protected":false},"author":55,"featured_media":1141,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"rbcwm_post_date":"","editor_notices":[],"rbc_url_alias":"","rbcwm_featured_desktop_image_position":"","rbcwm_featured_mobile_image_position":"","_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[144],"tags":[142],"rbcwm_content_owner":[],"rbcwm_need":[110,120,111],"rbcwm_segment":[],"rbcwm_solution":[99,119],"rbcwm_topic":[109],"rbcwm_channel":[],"rbcwm_format":[],"class_list":["post-1139","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-your-finances","tag-wealth-planning","rbcwm_need-grow","rbcwm_need-live","rbcwm_need-protect","rbcwm_solution-investments","rbcwm_solution-wealth-planning","rbcwm_topic-your-wealth"],"acf":{"rbcwm_subtitle":"We answer some common questions you may have when deciding whether a wealth 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