Explore who we help
We create a plan tailored to your complex needs
Jersey resident services
Integrated wealth management and fiduciary expertise with structured oversight
WHO WE HELP
Individuals and families
Your wealth, goals and family priorities
Business owners and entrepreneurs
Your business, wealth and next steps
Corporate executives
Complex income, equity and career transitions
International individuals and families
Life and wealth across multiple countries
UHNW and Family Offices
Significant, complex and multi-generational wealth
YOUR IDEAS & GOALS
Plan for growth
Grow your wealth and open up new opportunities
Live well
Live life to the fullest, today and into the future
Secure your future
Be prepared for whatever may happen
Make a difference
Support the people and causes you care about
About RBC Wealth Management
Experienced local advisers, backed by global strength
Our offices
Over 30 offices in the UK, Ireland and the Channel Islands
WHO WE ARE
Our history
Generations of clients have relied on RBC Wealth Management
Awards and recognition
Recognising our service and industry leadership
Leadership
The people guiding our strategy and client experience
SUSTAINABILITY
Responsible investing
Our approach to responsible investment
Community involvement
Supporting communities where we live and work
Explore our solutions
Let’s make your ideas happen
RBC International Trusts
Specialist structures for long-term wealth preservation
RBC Private Wealth
Integrated solutions for significant and complex wealth
OUR CORE SOLUTIONS
International wealth services
Managing wealth across borders and jurisdictions
UHNW and Family Office services
Coordinating complex and multi-generational wealth
Wealth planning and management
A bespoke plan to manage and grow your wealth
Trusts and foundations
Protect and preserve wealth for future generations
Banking
Dedicated banking for your personal and global needs
Custody
Secure custody solutions tailored to your requirements
Specialised credit
Flexible lending to support liquidity and opportunities
Responsible and sustainable investing
Invest with greater purpose in line with your values
Philanthropy
Create a lasting impact through strategic giving
Donar-advised funds
A simple, effective way to manage charitable giving
Explore our insights and ideas
Analysis, insights and research from our local and global networks
ADDITIONAL RESOURCES
Insights
Articles exploring the events and trends driving the world and your wealth
Market perspectives
Expert analysis and commentary on current market trends
From planned milestones to unexpected events, we work with you to create a financial plan that reflects your priorities and prepares you for what comes next.
Life rarely unfolds exactly as expected. Some events, such as marriage, selling a business, receiving a lump sum or planning for succession, create new opportunities. Others, including divorce or serious illness, can place pressure on your finances.
What these moments have in common is the potential to influence your long-term financial security. At times like these, working with a trusted adviser can help you understand the implications and make informed decisions.
Whatever life brings, we’re here to support you. We can help you:
An inheritance, redundancy payment, bonus or unexpected windfall can present new choices for you. Managed carefully, a lump sum has the potential to strengthen your financial position and support your longer-term plans. We can advise you on how to make the best use of it, including setting it to work as part of your investments.
Your options may include:
We’ll help you put your lump sum to work in a way that reflects your priorities and circumstances.
Find answers to common questions about investing a lump sum further down this page.
Planning ahead can help provide continuity for those closest to you, whether for your family or your business. Taking the time to set out your intentions clearly can help reduce uncertainty and ensure your wishes are carried out.
Turning your intentions into practical next steps requires careful planning. We can help you:
Exiting a business is often a significant life transition, and taking your foot off the gas may not come naturally. Having a clear plan in place can help reduce uncertainty and provide structure for what comes next.
We’ll help you make the most of your sale proceeds – whether that means investing for the future or leaving a tax-efficient legacy for the next generation.
We can help you:
Find out how to prepare your finances and prepare for what comes next.
Request a copy
Divorce can be emotionally demanding – and may require careful decisions at a time when your focus may be elsewhere.
Choices made during the divorce process can affect your finances for years to come. From your home and children’s needs to pensions and investments, understanding what each option means in practical terms is essential. We help you assess those implications so you can decide what works best for your circumstances.
We model different settlement outcomes and show how they may affect your income and assets. From there, we put a financial plan in place. Involving us early can help you identify risks and avoid unintended consequences.
This does not constitute tax or legal advice. Tax treatment depends on the individual circumstances of each client and may be subject to change in the future. You should always check the tax implications with an accountant or tax specialist.
Learn about your options when dividing your assets and how to get back on track.
The value of investments, and any income from them, can fall and you may get back less than you invested. This does not constitute tax or legal advice. Tax treatment depends on the individual circumstances of each client and may be subject to change in the future. You should always check the tax implications with an accountant or tax specialist. Information is provided only as an example and is not a recommendation to pursue a particular strategy.
Speak with an adviser about planning your next steps.
The way you invest a lump sum of money will depend on a range of factors, including how long you’re investing for, your goals, your attitude to investment risk, and whether you want to focus on growing your capital or generating a regular income. It’s important not to put all your money in one type of investment.
Building a diversified portfolio that spreads your money across different asset classes, including equities, bonds and cash, helps to minimise the impact of one particular asset class falling in value.
In an ideal world, you’d invest your money just after markets had tumbled and just before they started to bounce back. Unfortunately, it’s pretty much impossible to determine when markets have reached rock bottom or when they’re about to recover.
A better tactic is to focus on your long-term goals and accept the fact your investments will have their ups and downs. After all, the longer you wait to invest, the less time you’ll have to see any returns at all. As the old investment adage goes, it is time in the market, not timing the market that is key to returns.
If you’re feeling anxious about investing, you could drip feed small amounts of money into the market each month rather than investing it all at once. This removes the worry of investing a big lump sum right before a market decline. It can also help to smooth out stock market volatility.
In some months, you’ll invest when markets are down and you’ll get more investments for your money; in other months, you’ll invest when markets are up and you’ll get fewer investments for your money. This essentially averages out the price at which you buy investments, which can help to provide a bit of peace of mind.
There are several ways in which pensions can be divided in a divorce, and the approach that is right for you will depend on many different factors, including your age and the complexity of your situation.
The three main methods of splitting pensions are:
The way you split your investments in a divorce could have tax implications and there may be charges involved, so it’s important to get financial and tax advice. For example, cashing in investments outside an ISA could land you with a significant capital gains tax (CGT) bill. And if you receive income-generating assets as part of the divorce, this could affect how much income tax you pay.
Transfers of assets between spouses or civil partners don’t give rise to a CGT charge. Transfers are free from CGT, so long as the transfer occurs within three years from the end of the tax year in which you separate or the date on which a court grants a divorce, or a dissolution of the civil partnership, if earlier.
There are several options to consider when deciding how to divide your property in a divorce:
A personalised financial plan supports your ability to manage your wealth and focus on what matters most, with guidance tailored to your goals and family priorities.
Make your wealth work for you. Choose how your investment portfolio is managed, based on a customised strategy that reflects your risk tolerance and personal goals.
Enjoy the retirement you envision with a strategy built around your priorities, what you need to save, and the tools to help you get there.