{"id":1546,"date":"2026-04-30T13:23:24","date_gmt":"2026-04-30T13:23:24","guid":{"rendered":"https:\/\/www.rbcwealthmanagement.com\/en-je\/insights\/beyond-retirement-wealth-planning-for-corporate-executives"},"modified":"2026-05-25T16:26:10","modified_gmt":"2026-05-25T16:26:10","slug":"beyond-retirement-wealth-planning-for-corporate-executives","status":"publish","type":"post","link":"https:\/\/www.rbcwealthmanagement.com\/en-je\/insights\/beyond-retirement-wealth-planning-for-corporate-executives","title":{"rendered":"Beyond retirement: Wealth planning for corporate executives"},"content":{"rendered":"<p>Common wisdom suggests that high earners have little to worry about when it comes to retirement planning. In fact, this is a long way from the truth. No matter a person\u2019s net worth \u2013 whether they are a corporate executive, a business owner or beyond \u2013 careful planning is required to ensure that risks are mitigated and objectives are achieved. This is particularly important given that many people want to maintain the same lifestyle in retirement as in their working life. In fact, income needs often rise during the early years of retirement given that many people go on holiday while they are still physically active. A proper plan will help to ensure the right arrangements are in place to fund a desired lifestyle and also to cover any unexpected expenses along the way.<\/p>\n<p>Mark Hassett, head of the corporate executives team at RBC Wealth Management in London, says that retirement planning for clients with high earnings has a simple premise: \u201cIt is about structuring your assets so that they pay for the lifestyle you want,\u201d he says. However, the process is not always so simple. This is because higher earners not only have more complex compensation arrangements, but given many of them are internationally mobile and might have assets spanning more than one jurisdiction, they will also have more complex wealth planning needs.<\/p>\n<h4>First determine if you have a pensions issue<\/h4>\n<p>One of the biggest myths about retirement planning is that any conversation on the topic means talking about pensions, Hassett says. Higher earners tend to have several compensation arrangements depending on their specific circumstances, consisting of a salary and bonus package, additional benefits such as onshore and offshore pension plans, share schemes, complex deferred compensation schemes, as well as life insurance and medical plans. Of all these, pensions are frequently a small component. But this does not mean they are not important. Given that the UK government has introduced lower annual and lifetime contribution limits for pensions in recent years, higher earners need to be aware of these thresholds and their implications based on their personal circumstances. These lower thresholds also mean they are increasingly turning to other investment vehicles for their retirement savings.<\/p>\n<p>Dion Lindskog, head of wealth structuring at RBC Wealth Management in London, says many high earners do not realise they have a pensions problem. \u201cMany people are financially well off and don\u2019t need their pension benefits, therefore they think they don\u2019t have to worry about it. But what they don\u2019t think about is that they can use them to help their family,\u201d he says. With that in mind, Lindskog says that by conducting a thorough review of a client\u2019s financial situation, any potential pension problems can be highlighted and then solved.<\/p>\n<h4>Make use of all your options<\/h4>\n<p>Hassett says that retirement planning means taking a holistic view of a client\u2019s financial affairs to see if it is possible to anticipate any future problems, such as succession issues, and how they can be solved. This consists of considering three key questions:<\/p>\n<ul>\n<li>\n<p>Will my assets provide me with the net income that I need to provide the lifestyle I desire?<\/p>\n<\/li>\n<li>\n<p>Do I need to take an unacceptable level of investment risk to maintain my lifestyle?<\/p>\n<\/li>\n<li>How can I pass my residual assets to my chosen beneficiaries efficiently on my death?<\/li>\n<\/ul>\n<p>When it comes to creating a plan for a client\u2019s life in retirement, Lindskog likens this to orienteering; first starting with looking at where they are in their life right now, where they want to be when they stop working, and then determining if they will be making any essential or desired stops along the way. The outcome of this will be a financial plan that is customised for the client\u2019s specific needs. Regardless of circumstances, everyone should try to take full advantage of the available wrappers and allowances available to them, Lindskog says, starting with pensions and ISAs. As a next step, depending on circumstances and attitude to risk, clients might want to consider enterprise investment schemes, venture capital trusts, offshore bonds and property investments.<\/p>\n<p>Even if you are a high earner, using all of the available allowances and reliefs is not only shrewd, but can make a big difference over time. Spreading wealth across a range of different savings vehicles also has its benefits. This provides a degree of diversification, but the real benefit is that each one can be accessed at a different point in time to provide income when needed. When it comes to retirement income, \u201cit\u2019s about knowing which taps to open and when,\u201d Lindskog says.<\/p>\n<h4>Include your family in your retirement plan<\/h4>\n<p>Another often overlooked option for married clients is the spouse\u2019s pension. It may be that both spouses contribute to their pensions, but if one of them either doesn\u2019t work or doesn\u2019t have a pension, this is a missed opportunity. \u201cAll too often we find that the spouse doesn\u2019t have a pension,\u201d Lindskog says. \u201cWhat they\u2019re missing here is that anyone can contribute to another person\u2019s pension plan up to the \u00a340,000 annual limit.\u201d<\/p>\n<p>Making use of all of the family\u2019s allowances and reliefs can make a big difference in the long run. Frequently, most or even all family wealth is in one spouse\u2019s name. In such a case, making a pension contribution for the spouse has its advantages. While the tax relief in this arrangement will go to the person who holds the pension rather than the person making the contributions, it is still more efficient. Another avenue to consider is opening pension accounts for children, which in certain circumstances might be favourable to Junior ISAs because the money can\u2019t be withdrawn until age 55. This can also be an attractive way to pass wealth down the generations without the danger of it being used unwisely when the children are young.<\/p>\n<h4>Solve any over-concentration problems<\/h4>\n<p>An often overlooked aspect of retirement planning is the question of how much wealth a corporate executive might have tied up in the company share scheme. This is one reason why Lindskog emphasises the importance of looking at every source of a client\u2019s wealth. \u201cIf you\u2019re in a share scheme, no matter how good your employer might be, you have a concentration risk,\u201d Lindskog says. Therefore, depending on how much wealth is held in a single company\u2019s shares, it might be necessary to seek additional diversification to act as a buffer in the event that the company share price falls.<\/p>\n<h4>Consider philanthropy<\/h4>\n<p>Planning for life after work is not simply about covering living and leisure costs. For many people, it also means leaving a legacy, perhaps to the next generation and perhaps to a charity. Lindskog says that this is an important factor that needs to be considered. \u201cThe reality is that clients of this type often have more than enough money to fund retirement, so the real question they face is what they want to pass to their children and what their attitude might be to charities or philanthropic causes,\u201d he says. This includes structuring a client\u2019s wealth in preparation for leaving it to the next generation as well as arranging for gifts and donations to be made during their lifetime and upon their death.&nbsp;&nbsp;<\/p>\n<p>In these ways retirement planning, even for the wealthy, can reap rewards: no one can put a price on the peace of mind that comes from knowing that you and your heirs are well provided for and that your legacy lives on.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>For higher earners, retirement planning means looking at more than just pensions. Here are some key points to consider.<\/p>\n","protected":false},"author":18,"featured_media":1547,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"rbcwm_post_date":"","editor_notices":[],"rbc_url_alias":"","rbcbd_featured_desktop_image_position":"","rbcbd_featured_mobile_image_position":"","_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_post_was_ever_published":false},"categories":[121],"tags":[130,131,132],"rbcwm_content_owner":[],"rbcwm_need":[],"rbcwm_segment":[],"rbcwm_solution":[98],"rbcwm_topic":[109,108],"rbcwm_channel":[104],"rbcwm_format":[94],"class_list":["post-1546","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-retirement","tag-corporate-executives","tag-estate-planning","tag-pension-planning","rbcwm_solution-wealth-planning","rbcwm_topic-retirement-pensions","rbcwm_topic-wealth-planning","rbcwm_channel-corporate-executives","rbcwm_format-article"],"acf":{"rbc_ct_service":false,"rbc_ct_theme":false,"rbc_ct_topic":false,"rbcwm_subtitle":"","rbcwm_post_author":null,"rbcwm_custom_breadcrumb_text":"","rbcwm_custom_breadcrumb_link_url":"","rbcwm_disclaimers":{"add_disclosures":[],"perspective_disclaimer":[],"expandable":[],"omit_from_pages":[],"disclaimer_footnote":""},"rbcwm_insight_cta_id":null,"rbcwm_pagination":{"next_link":"","next_link_text":"Next article","previous_link":"","previous_link_text":"Previous article"},"rbcwm_video_duration":"","article_time":"","rbcwm_enable_toc":false},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.5 (Yoast SEO v27.9) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Beyond retirement: Wealth planning for corporate executives | RBC Wealth Management Jersey<\/title>\n<meta name=\"description\" content=\"For higher earners, retirement planning means looking at more than just pensions. 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