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
Retirement is about the freedom to do more of what you love. We make it straightforward to see what’s possible – guiding you through every choice to build a plan that brings your ambitions to life.
Whether you want to travel, learn a new hobby or spend time with family, planning early increases your chances of enjoying a comfortable and fulfilling retirement.
Some of the questions to think about include:
We can help you consider your priorities and calculate your projected retirement pot. We’ll then explain how much you need to save and put a financial plan in place to help you achieve your goals.
Understanding the best way to save for retirement can feel overwhelming. Pensions are a highly tax-efficient way of saving for retirement, but ISAs and other savings and investments can be important too.
We can guide you through your options and advise on a retirement savings plan that bridges the gap between where you are and where you want to be.
We can help you:
There’s more flexibility when it comes to drawing income from your pension than there was in the past. Some of your options could include buying an annuity, taking pension lump sums, going into income drawdown, or a combination of all three. ISAs and other savings and investments could also be an important source of income for you.
We can guide you through your options, show how long your pension pot is likely to last, and explain how much you can afford to withdraw each year. That way, you’ll feel confident that your retirement savings will go the distance.
Our wealth managers will walk you through your options and build a retirement plan that puts you in control.
You could need your pension pot to last for several decades. It’s really important not to underestimate your life expectancy. According to the Office for National Statistics, the average life expectancy for a 60-year-old woman is 87 years. However, there is a one in four chance of living to 95 and a one in ten chance of living to 99.
The amount of money you’ll get from the state pension depends on your National Insurance record. You can check your state pension forecast and state pension age here.
If you hope to retire in five years, it’s important to speak to one of our advisers. They can advise on whether your plans are achievable. Our wealth managers use cashflow modelling to illustrate how long your money is likely to last in retirement. This is based on your current finances, how much you’re saving and investing, your spending patterns, and your goals. This will help you understand whether you need to make any changes to your plans or saving and investing habits.
We can also check whether your pension is invested in the right way. We ensure you’re not taking on too much or too little investment risk.
An annuity provides you with a regular, guaranteed income in retirement. You can buy an annuity with some or all of your pension. How much income you receive will depend on factors such as the size of your pension, your age, existing annuity rates, where you live, and your health and lifestyle.
Whether an annuity is right for you will depend on your individual circumstances. We can help you decide on the best way of drawing income from your pension pot.
You can usually take up to 25% of the amount you’ve built up in pensions as a tax-free lump sum. This was capped at £268,275 on 6 April 2023 and frozen at this level. The remainder will be taxed as income.
This does not constitute tax or legal advice. Tax treatment depends on the individual circumstances and may change in the future. You should always check the tax implications with an accountant or tax specialist.
Most people can contribute up to 100% of UK relevant earnings to pensions each year and benefit from tax relief. However, there’s a limit on the amount of pension contributions that can be made without incurring a tax charge. This is known as the annual allowance and is currently £60,000. If your income rises above a certain level, your allowance could be reduced or ‘tapered’.
The annual allowance reduces by £1 for every £2 that your ‘adjusted income’ exceeds £260,000, to a minimum of £10,000. We can help you work out what your annual allowance is and advise on adjusting your contributions accordingly.
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.
What happens to your pension when you die depends on the type of pension, whether you’ve started drawing an income from it, and how old you are. If you have a defined contribution pension and you die before age 75, benefits can usually be paid as a lump sum or drawdown income to your beneficiaries tax free. If you die after age 75, benefits will be taxed at the beneficiaries’ marginal income tax rate.
It’s worth noting that from 6 April 2027, most unused pension funds and death benefits will be included in the value of a person’s estate for inheritance tax purposes.
Your wealth tells a personal story. We’ll help you explore ways to help pass on more of it to your loved ones, securely and efficiently.
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.
Life can change quickly. We can guide you through significant moments – whether planned or unexpected – with clear advice, insightful ideas and tailored strategies.