{"id":1441,"date":"2026-04-28T13:40:20","date_gmt":"2026-04-28T13:40:20","guid":{"rendered":"https:\/\/www.rbcwealthmanagement.com\/en-je\/solutions\/life-events"},"modified":"2026-06-09T21:18:10","modified_gmt":"2026-06-09T21:18:10","slug":"life-events","status":"publish","type":"rbcwm_solutions","link":"https:\/\/www.rbcwealthmanagement.com\/en-je\/solutions\/life-events","title":{"rendered":"Financial planning for life events"},"content":{"rendered":"\n<div class=\"wp-block-rbcwm-hero-block rbc-hero-wm  rbc-hero-overlap rbc-hero-overlap-mobile rbc-hero-nn4zojnk9 hide-mobile-energy-lines is-style-cta-text\"><style>\n\t\t.rbc-hero-nn4zojnk9.is-style-rbc-hero-gradient::before {\n\t\t\tbackground: linear-gradient(90deg, #023169 20%, rgba(94, 120, 131, 0) 60%);\n\t\t}\n\n\t\t.rbc-hero-nn4zojnk9.is-style-rbc-hero-gradient.rbc-hero-has-image-bleed::before {\n\t\t\tbackground: linear-gradient(90deg, #023169 20%, rgba(94, 120, 131, 0) 60%);\n\t\t}\n\n\t\t.rbc-hero-nn4zojnk9.is-style-rbc-hero-gradient.rbc-hero-has-image-bottom::before {\n\t\t\tbackground: linear-gradient(180deg, #023169 20%, rgba(94, 120, 131, 0) 60%);\n\t\t}\n\n\t\t.rbc-hero-nn4zojnk9 .rbc-hero-energy-lines.rbc-hero-energy-lines-left {\n\t\t\ttransform: scaleX(-1);\n\t\t}\n\n\t\t@media (max-width: 991px) {\n\t\t\t.rbc-hero-nn4zojnk9.is-style-rbc-hero-gradient::before,\n\t\t\t.rbc-hero-nn4zojnk9.is-style-rbc-hero-gradient.rbc-hero-has-image-bottom::before,\n\t\t\t.rbc-hero-nn4zojnk9.is-style-rbc-hero-gradient.rbc-hero-has-image-bleed::before {\n\t\t\t\tbackground: none;\n\t\t\t}\n\n\t\t\t.rbc-hero-nn4zojnk9.rbc-hero-has-image-full.hide-mobile-energy-lines .rbc-hero-energy-lines {\n\t\t\t\tdisplay: none;\n\t\t\t}\n\n\t\t\t.wp-block-rbcwm-hero-block.rbc-hero-nn4zojnk9.is-style-rbc-hero-gradient .rbc-hero-img-wrap::after {\n\t\t\t\tbackground: linear-gradient( 0deg, #023169 0%, rgba(94, 120, 131, 0) 25% );\n\t\t\t}\n\t\t\t\n\t\t\t.wp-block-rbcwm-hero-block.rbc-hero-nn4zojnk9.is-style-rbc-hero-gradient.rbc-hero-has-image-bottom .rbc-hero-img-wrap::before,\n            .wp-block-rbcwm-hero-block.rbc-hero-nn4zojnk9.is-style-rbc-hero-gradient.rbc-hero-has-image-bottom .container .rbc-hero-img-wrap::before {\n\t\t\t\tbackground: linear-gradient( 180deg, #023169 0%, rgba( 94, 120, 131, 0 ) 25% );\n\t\t\t}\n\t\t\t\n\t\t\t.wp-block-rbcwm-hero-block.rbc-hero-nn4zojnk9.is-style-rbc-hero-gradient .rbc-hero-card {\n\t\t\t\tbackground: #023169;\n\t\t\t}\n\t\t}\n\t<\/style><div class=\"container\"><div class=\"row no-gutters\"><div class=\"col-lg-12 rbc-hero-card-content\"><div class=\"rbc-card rbc-hero-card rbc-hero has-content\"><div class=\"rbc-card-wrap\"><div class=\"rbc-card-body\"><div class=\"rbc-hero-body-content\"><h1 class=\"rbc-hero-title\"><span>Financial planning for life events<\/span><\/h1><div class=\"rbc-hero-breadcrumb link-chev-left\"><div class=\"rbc-icon mr-half\"><i aria-hidden=\"true\" role=\"img\" class=\"rbc-icon-img fal fa-angle-left\" style=\"color:#006ac3\"><\/i><\/div><span style=\"color:#006ac3\"><a href=\"https:\/\/www.rbcwealthmanagement.com\/en-je\/solutions\/\">Solutions<\/a><\/span><\/div><hr class=\"rbc-hero-hr hr-mini bdr-accent\"\/>\n<p class=\"rbc-hero-subtitle\">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.<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"rbc-hero-img-wrap undefined\"><\/div><div class=\"align-self-end order-lg-3 col-lg-7 cta-text\"><div class=\"rbc-button-block row no-gutters align-items-end rbc-hero-button-overlap\"><div class=\"col-lg\"><a href=\"https:\/\/www.rbcwealthmanagement.com\/en-je\/contact-us\" class=\"rbc-button  rbc-button-large rbc-button-secondary rbc-button-block rbc-button-block-cta\"><div class=\"rbc-icon rbc-button-icon-right\"><i aria-hidden=\"true\" role=\"img\" class=\"rbc-icon-img fa-angle-right fal\"><\/i><\/div>Contact us<\/a><\/div><\/div><\/div><\/div><\/div><\/div>\n\n\n\n<section class=\"wp-block-rbcwm-image-block rbc-block rbc-block-image rbc-block-grey rbc-block-flush rbc-block-image-bleed rbc-block-image-mobile-top has-theme-color has-block-grey-background-color has-text-color has-background has-link-color wp-elements-b8388bae99433b740771a670217170ee\"><div class=\"container rbc-block-image-container\"><div class=\"row justify-content-between h-100 no-gutters\">\n<div class=\"wp-block-rbcwm-block-image-content rbc-block-image-content rbc-block-image-content-center col-lg-6 order-2 order-lg-1\"><div class=\"rbc-block-image-bleed-body wrap\">\n<h2 id=\"h-when-circumstances-change-your-financial-plan-should-too\" class=\"wp-block-heading\"><strong>When circumstances change, your financial plan should too<\/strong><\/h2>\n\n\n\n<p class=\"has-link-color wp-elements-6870185b4593cd6f986fdebeaf79c44e\">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.<\/p>\n\n\n\n<p>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.<\/p>\n\n\n\n<p>Whatever life brings, we\u2019re here to support you. We can help you:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Assess your current financial position<\/li>\n\n\n\n<li>Clarify your goals and longer-term plans<\/li>\n\n\n\n<li>Understand the financial implications of key life events<\/li>\n\n\n\n<li>Put a practical plan in place to protect and support your future<a id=\"_msocom_1\"><\/a><\/li>\n<\/ul>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-rbcwm-blockimage-image col-lg-5 order-0 rbc-block-image-bleed-col order-lg-2\"><div class=\"rbc-block-image-bleed-img-wrap \"><div class=\"rbc-block-image-img rbc-block-image-bleed-img bleed-img-right rbc-image-with-focalpoint-desktop rbc-image-with-focalpoint-mobile\" style=\"--bg-position-x-desktop:83%;--bg-position-y-desktop:51%;--bg-position-x-mobile:76%;--bg-position-y-mobile:35%\" data-src=\"https:\/\/www.rbcwealthmanagement.com\/en-uk\/wp-content\/uploads\/sites\/23\/2023\/07\/Web_banner_life-events-1223014141_2177x729.jpg\" data-lazy=\"true\" data-observe=\"{&quot;add&quot;:&quot;ani-opacity&quot;,&quot;remove&quot;:&quot;ani-opacity-from&quot;}\"><\/div><\/div><\/div>\n<\/div><\/div><\/section>\n\n\n\n<div id=\"lump-sum\" class=\"anchor\" tabindex=\"-1\"><\/div>\n\n\n\n<section class=\"wp-block-rbcwm-image-block rbc-block rbc-block-image rbc-block-flush rbc-block-image-bleed rbc-block-image-mobile-top has-theme-color has-text-color has-link-color wp-elements-dba54458414ae645079911662ea213e1\"><div class=\"container rbc-block-image-container\"><div class=\"row justify-content-between h-100 no-gutters\">\n<div class=\"wp-block-rbcwm-block-image-content rbc-block-image-content rbc-block-image-content-center col-lg-6 order-2 order-lg-1\"><div class=\"rbc-block-image-bleed-body wrap\">\n<h2 id=\"h-making-the-most-of-a-lump-sum\" class=\"wp-block-heading\">Making the most of a lump sum<\/h2>\n\n\n\n<p class=\"has-link-color wp-elements-5f5df98dc3b9249b2a8060972afc1be3\">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.<\/p>\n\n\n\n<p>Your options may include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Building a rainy-day fund<\/li>\n\n\n\n<li>Paying off your mortgage or other debts<\/li>\n\n\n\n<li>Investing in a diversified portfolio<\/li>\n\n\n\n<li>Making tax-efficient gifts to family members<\/li>\n<\/ul>\n\n\n\n<p>We\u2019ll help you put your lump sum to work in a way that reflects your priorities and circumstances.<\/p>\n\n\n\n<p><em>Find answers to common questions about investing a lump sum further down this page.<\/em><\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-rbcwm-blockimage-image col-lg-5 order-0 rbc-block-image-bleed-col order-lg-0 flex-lg-row-reverse\"><div class=\"rbc-block-image-bleed-img-wrap  d-flex flex-lg-row-reverse\"><div class=\"rbc-block-image-img rbc-block-image-bleed-img bleed-img-left\" data-src=\"https:\/\/www.rbcwealthmanagement.com\/en-uk\/wp-content\/uploads\/sites\/23\/2026\/03\/man-with-red-hair-and-beard-wearing-a-blue-blazer-looking-thoughtfully-out-a-window.jpg\" data-lazy=\"true\" data-observe=\"{&quot;add&quot;:&quot;ani-opacity&quot;,&quot;remove&quot;:&quot;ani-opacity-from&quot;}\"><\/div><\/div><\/div>\n<\/div><\/div><\/section>\n\n\n\n<div id=\"succession-planning\" class=\"anchor\" tabindex=\"-1\"><\/div>\n\n\n\n<section class=\"wp-block-rbcwm-rbc-block rbc-block rbc-block-grey has-block-grey-background-color has-background\"><div class=\"container\"><div class=\"row \"><div class=\"col-lg-12\">\n<h2 id=\"h-succession-planning\" class=\"wp-block-heading\">Succession planning<\/h2>\n\n\n\n<p>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.<\/p>\n\n\n\n<p>Turning your intentions into practical next steps requires careful planning. We can help you:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Clarify how you would like your assets or your business to be passed on<\/li>\n\n\n\n<li>Consider the financial and tax implications of succession<\/li>\n\n\n\n<li>Put arrangements in place to support a smooth transition<\/li>\n<\/ul>\n\n\n\n<h2 id=\"h-selling-your-business\" class=\"wp-block-heading\">Selling your business<\/h2>\n\n\n\n<p id=\"h-succession-planning-0\">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.<\/p>\n\n\n\n<p>We\u2019ll help you make the most of your sale proceeds \u2013 whether that means investing for the future or leaving a tax-efficient legacy for the next generation.<\/p>\n\n\n\n<p>We can help you:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Define your \u2018magic number\u2019 \u2013 the amount you need from your business sale to support your future plans<\/li>\n\n\n\n<li>Determine whether you can step back sooner than expected or whether further preparation is needed to make your business sale-ready<\/li>\n\n\n\n<li>Organise your finances before and after the sale<\/li>\n<\/ul>\n<\/div><\/div><\/div><\/section>\n\n\n\n<div id=\"selling\" class=\"anchor\" tabindex=\"-1\"><\/div>\n\n\n\n<section class=\"wp-block-rbcwm-rbc-block rbc-block\"><div class=\"container\"><div class=\"row \"><div class=\"col-lg-12\">\n<div class=\"wp-block-rbcbd-download-banner rbc-card rbc-card-primary-tint\"><div draggable=\"false\" class=\"rbc-card-wrap\"><div class=\"rbc-card-body\"><div class=\"row justify-content-center align-items-center\"><div class=\"col-7 col-md-4 col-lg-2 mb-1 mb-md-0\"><a class=\"rbc-link-thumbnail\" href=\"https:\/\/www.rbcwealthmanagement.com\/en-uk\/insights\/a-guide-to-selling-your-business\"><img decoding=\"async\" src=\"https:\/\/www.rbcwealthmanagement.com\/en-uk\/wp-content\/uploads\/sites\/23\/2023\/07\/A-guide-to-selling-your-business-2250x1500-1.jpg\" alt=\"Top image for carousel\"\/><\/a><\/div><div class=\"col-md-8 col-lg-10\"><h3>A guide to selling your business<\/h3><div class=\"hr-mini my-1-half bdr-accent\"><\/div>\n<p class=\"paragraph-intro\">Find out how to prepare your finances and prepare for what comes next.<\/p>\n\n\n\n<p><a href=\"https:\/\/www.rbcwealthmanagement.com\/en-uk\/insights\/a-guide-to-selling-your-business\" data-type=\"post\" data-id=\"23278\" class=\"link-cta link-chev\">Request a copy<\/a><\/p>\n<\/div><\/div><\/div><\/div><\/div>\n<\/div><\/div><\/div><\/section>\n\n\n\n<div id=\"divorce\" class=\"anchor\" tabindex=\"-1\"><\/div>\n\n\n\n<section class=\"wp-block-rbcwm-rbc-block rbc-block rbc-block-grey has-block-grey-background-color has-background\"><div class=\"container\"><div class=\"row \"><div class=\"col-lg-12\">\n<header class=\"wp-block-rbcwm-block-header row rbc-block-header\"><div class=\"col-lg-12\">\n<div class=\"row\">\n\n<h2 class=\"wp-block-heading has-text-align-left rbc-block-header-title col-lg-12\" id=\"h-managing-your-finances-during-divorce\" style=\"margin-bottom:var(--wp--preset--spacing--40)\">Managing your finances during divorce<\/h2>\n\n<\/div>\n\n\n\n<p>Divorce can be emotionally demanding \u2013 and may require careful decisions at a time when your focus may be elsewhere.<\/p>\n\n\n\n<p class=\"has-link-color wp-elements-4ee10e690bfa3f73ebe7546dac2b4264\">Choices made during the divorce process can affect your finances for years to come. From your home and children\u2019s needs to pensions and investments, understanding what each option means in practical terms&nbsp;is essential. We help you assess those implications so you can decide what works best for your circumstances.<\/p>\n\n\n\n<p>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.<\/p>\n\n\n\n<p><a id=\"_msocom_1\"><\/a><\/p>\n\n\n\n<div class=\"row blockId-1bf5a35a-2f0c-40f4-ad52-c7d816f18f78\">\n<div class=\"wp-block-rbcwm-column col-sm-12 col-md-6 col-lg-6 mb-2\">\n<div class=\"wp-block-rbcwm-card rbc-card rbc-card-grey  h-100 has-white-background-color has-background\" data-observe=\"{&quot;add&quot;:&quot;ani-opacity-up&quot;,&quot;remove&quot;:&quot;ani-opacity-up-from&quot;}\"><div class=\"rbc-card-wrap\"><div class=\"rbc-card-body\"><div class=\"d-flex flex-column h-100\"><div>\n<h5 id=\"h-divorce-and-your-pension\" class=\"wp-block-heading\" style=\"margin-top:0;margin-right:0;margin-bottom:var(--wp--preset--spacing--50);margin-left:0\"><strong>Divorce and <\/strong>your<strong> pension<\/strong><\/h5>\n\n\n\n<p>We can help you:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Understand the value of your pensions<\/li>\n\n\n\n<li>Consider the most appropriate way to split pensions<\/li>\n\n\n\n<li>Set up a new pension arrangement where appropriate<\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbcwm-column col-sm-12 col-md-6 col-lg-6 mb-2\">\n<div class=\"wp-block-rbcwm-card rbc-card rbc-card-grey  h-100 has-white-background-color has-background\" data-observe=\"{&quot;add&quot;:&quot;ani-opacity-up&quot;,&quot;remove&quot;:&quot;ani-opacity-up-from&quot;}\"><div class=\"rbc-card-wrap\"><div class=\"rbc-card-body\"><div class=\"d-flex flex-column h-100\"><div>\n<h5 id=\"h-divorce-and-your-investments\" class=\"wp-block-heading\" style=\"margin-top:0;margin-right:0;margin-bottom:var(--wp--preset--spacing--50);margin-left:0\">Divorce and your investments<\/h5>\n\n\n\n<p>We can help you:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Review your existing portfolio<\/li>\n\n\n\n<li>Understand the tax implications of selling or transferring assets<\/li>\n\n\n\n<li>Develop your investment strategy aligned with your revised circumstances<\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n<p>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.<\/p>\n<\/div><\/header>\n<\/div><\/div><\/div><\/section>\n\n\n\n<section class=\"wp-block-rbcwm-rbc-block rbc-block\"><div class=\"container\"><div class=\"row \"><div class=\"col-lg-12\">\n<div class=\"wp-block-rbcbd-download-banner rbc-card rbc-card-primary-tint\"><div draggable=\"false\" class=\"rbc-card-wrap\"><div class=\"rbc-card-body\"><div class=\"row justify-content-center align-items-center\"><div class=\"col-7 col-md-4 col-lg-2 mb-1 mb-md-0\"><a class=\"rbc-link-thumbnail\" href=\"https:\/\/www.rbcwealthmanagement.com\/en-uk\/insights\/a-guide-to-financial-planning-for-divorce\"><img decoding=\"async\" src=\"https:\/\/www.brewin.co.uk\/wp-content\/uploads\/sites\/10\/2023\/10\/BDM3321_2302_A-guide-to-financial-planning-for-divorce.png\" alt=\"Top image for carousel\"\/><\/a><\/div><div class=\"col-md-8 col-lg-10\"><h3>A guide to financial planning for divorce<\/h3><div class=\"hr-mini my-1-half bdr-accent\"><\/div>\n<p class=\"paragraph-intro\">Learn about your options when dividing your assets and how to get back on track.<\/p>\n\n\n\n<p><a href=\"https:\/\/www.rbcwealthmanagement.com\/en-uk\/insights\/a-guide-to-financial-planning-for-divorce\" data-type=\"post\" class=\"link-cta link-chev\">Request a copy<\/a><\/p>\n<\/div><\/div><\/div><\/div><\/div>\n\n\n\n<div style=\"height:37px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"is-style-disclaimer\">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.&nbsp;You should always check the tax implications with an accountant or tax specialist.&nbsp;Information is provided only as an example and is not a recommendation to pursue a particular strategy.<\/p>\n<\/div><\/div><\/div><\/section>\n\n\n\n<section class=\"wp-block-rbcwm-rbc-block rbc-block rbc-block-flush\"><div class=\"container\"><div class=\"row \"><div class=\"col-lg-12\"><div class=\"wrap\">\n<div class=\"wp-block-rbcwm-rbc-button aligncenter rbc-button-block row no-gutters align-items-end b-white blockId-4019e8e2-aaf0-4186-adbf-109f3a403356 blockId-64249d9b-82a2-4242-9119-f8a7347e02e6 blockId-3a2ef21c-7a06-4db3-b3f9-c7716c8e867b rbc-block-has-overlap overlap-bottom\"><div class=\"rbc-card\"><div class=\"rbc-card-wrap\"><div class=\"rbc-card-body\"><div class=\"row\"><div class=\"col-lg-8\"><h3 class=\"mb-0 rbc-button-block-title\"><span>Get support for the decisions ahead<\/span><\/h3><hr class=\"hr-mini my-1-half bdr-warm-grey\"\/>\n<p class=\"paragraph-intro\">Speak with an adviser about planning your next steps.<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"col-lg-7\"><a href=\"https:\/\/www.rbcwealthmanagement.com\/en-je\/contact-us\" target=\"_self\" class=\"rbc-button rbc-button-block-cta rbc-button-large rbc-button-warm-grey rbc-button-block\" rel=\"noopener\"><div class=\"rbc-icon rbc-button-icon-right\"><i aria-hidden=\"true\" role=\"img\" class=\"rbc-icon-img fal fa-fal fa-angle-right \"><\/i><\/div><span>Contact us<\/span><\/a><\/div><div class=\"rbc-button-block-text-col d-flex col-lg-5\"><div class=\"rbc-button-block-text flex-grow-1\"><div><span><a href=\"https:\/\/www.rbcwealthmanagement.com\/en-je\/our-offices-and-people?type=people\" data-type=\"page\" data-id=\"458\" class=\"link-underline\">Find an adviser<\/a><\/span><\/div><\/div><\/div><\/div>\n<\/div><\/div><\/div><\/div><\/section>\n\n\n\n<section class=\"wp-block-rbcwm-rbc-block rbc-block rbc-block-flush rbc-block-small\"><div class=\"\"><div class=\"row \"><div class=\"col-lg-12\">\n<section class=\"wp-block-rbcwm-rbc-block rbc-block rbc-block-grey overlap-bottom has-block-grey-background-color has-background\"><div class=\"container\"><div class=\"row \"><div class=\"col-lg-12\">\n<header class=\"wp-block-rbcwm-block-header row rbc-block-header\"><div class=\"col-lg-12\">\n<div class=\"row\">\n\n<h2 id=\"h-common-questions-about-financial-planning-for-life-events\" class=\"wp-block-heading rbc-block-header-title col-lg-12\"><strong>Common questions about financial planning for life events<\/strong><\/h2>\n\n<\/div>\n\n\n\n<div class=\"wp-block-rbcwm-block-header-description rbc-block-header-description\">\n<p><\/p>\n<\/div>\n<\/div><\/header>\n\n\n\n<div class=\"row blockId-ab8e603f-3765-4749-a433-df7737bfa06b\">\n<div class=\"wp-block-rbcwm-column col-lg-12\">\n<div class=\"wp-block-rbcwm-expandable-container-block rbc-expandable-container\"><div class=\"rbc-card rbc-card-shadow\"><div class=\"rbc-card-wrap\"><div class=\"rbc-card-body rbc-card-flush rbc-card-box\">\n<div class=\"wp-block-rbcwm-expandable-block rbc-expandable\">\n<div id=\"stronghow-should-i-invest-a-lump-sum-of-money-strong\" class=\"wp-block-rbcwm-expandable-block-title rbc-expandable-trigger rbc-expandable-arrow-wrap\"><button aria-expanded=\"false\" aria-controls=\"stronghow-should-i-invest-a-lump-sum-of-money-strong-content\" data-target=\"stronghow-should-i-invest-a-lump-sum-of-money-strong-content\" data-duration=\"400\" class=\"rbc-expandable-trigger-button rbc-expandable-trigger-button-between\">\n<h3 id=\"h-how-should-i-invest-a-lump-sum-of-money\" class=\"wp-block-heading h5\"><strong>How should I invest a lump sum of money?<\/strong><\/h3>\n<\/button><\/div>\n\n\n\n<div id=\"stronghow-should-i-invest-a-lump-sum-of-money-strong-content\" aria-labelledby=\"stronghow-should-i-invest-a-lump-sum-of-money-strong\" class=\"wp-block-rbcwm-expandable-block-content rbc-expandable-content rbc-expandable-content-inner-style content-4e2f38a6-fe65-47ab-9c9d-e2b17fed20f1\"><div class=\"rbc-expandable-content-body\">\n<p class=\"mt-1\">The way you invest a&nbsp;lump sum of money&nbsp;will depend on a range of factors, including how long you\u2019re 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\u2019s important not to put all your money in one type of investment.<\/p>\n\n\n\n<p><a href=\"https:\/\/www.rbcwealthmanagement.com\/en-uk\/insights\/how-to-build-a-diversified-portfolio\" data-type=\"post\" data-id=\"23194\">Building a&nbsp;diversified portfolio<\/a> 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.<\/p>\n<\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbcwm-expandable-block rbc-expandable\">\n<div id=\"strongwhen-is-the-best-time-to-invest-a-lump-sum-strong\" class=\"wp-block-rbcwm-expandable-block-title rbc-expandable-trigger rbc-expandable-arrow-wrap\"><button aria-expanded=\"false\" aria-controls=\"strongwhen-is-the-best-time-to-invest-a-lump-sum-strong-content\" data-target=\"strongwhen-is-the-best-time-to-invest-a-lump-sum-strong-content\" data-duration=\"400\" class=\"rbc-expandable-trigger-button rbc-expandable-trigger-button-between\">\n<h3 id=\"h-when-is-the-best-time-to-invest-a-lump-sum\" class=\"wp-block-heading h5\"><strong>When is the best time to invest a lump sum?<\/strong><\/h3>\n<\/button><\/div>\n\n\n\n<div id=\"strongwhen-is-the-best-time-to-invest-a-lump-sum-strong-content\" aria-labelledby=\"strongwhen-is-the-best-time-to-invest-a-lump-sum-strong\" class=\"wp-block-rbcwm-expandable-block-content rbc-expandable-content rbc-expandable-content-inner-style content-14d86b57-d32b-4f3a-b268-84da7dd11294\"><div class=\"rbc-expandable-content-body\">\n<p class=\"mt-1\">In an ideal world, you\u2019d&nbsp;invest your money&nbsp;just after markets had tumbled and just before they started to bounce back. Unfortunately, it\u2019s pretty much impossible to determine when markets have reached rock bottom or when they\u2019re about to recover.<\/p>\n\n\n\n<p>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\u2019ll have to see any returns at all. As the old investment adage goes, it is&nbsp;<a href=\"https:\/\/www.rbcwealthmanagement.com\/en-uk\/insights\/why-long-term-investing-matters\" data-type=\"post\" data-id=\"23370\">time in the market<\/a>, not timing the market that is key to returns.<\/p>\n<\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbcwm-expandable-block rbc-expandable\">\n<div id=\"should-you-invest-a-lump-sum-all-at-once\" class=\"wp-block-rbcwm-expandable-block-title rbc-expandable-trigger rbc-expandable-arrow-wrap\"><button aria-expanded=\"false\" aria-controls=\"should-you-invest-a-lump-sum-all-at-once-content\" data-target=\"should-you-invest-a-lump-sum-all-at-once-content\" data-duration=\"400\" class=\"rbc-expandable-trigger-button rbc-expandable-trigger-button-between\">\n<h3 id=\"h-should-you-invest-a-lump-sum-all-at-once\" class=\"wp-block-heading h5\">Should you invest a lump sum all at once?<\/h3>\n<\/button><\/div>\n\n\n\n<div id=\"should-you-invest-a-lump-sum-all-at-once-content\" aria-labelledby=\"should-you-invest-a-lump-sum-all-at-once\" class=\"wp-block-rbcwm-expandable-block-content rbc-expandable-content rbc-expandable-content-inner-style content-14d86b57-d32b-4f3a-b268-84da7dd11294\"><div class=\"rbc-expandable-content-body\">\n<p class=\"mt-1\">If you\u2019re 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 <a href=\"https:\/\/www.rbcwealthmanagement.com\/en-uk\/insights\/difference-between-volatility-and-risk\">stock market volatility<\/a>.<\/p>\n\n\n\n<p>In some months, you\u2019ll invest when markets are down and you\u2019ll get more investments for your money; in other months, you\u2019ll invest when markets are up and you\u2019ll 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.<\/p>\n<\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbcwm-expandable-block rbc-expandable\">\n<div id=\"how-are-pensions-split-in-a-divorce\" class=\"wp-block-rbcwm-expandable-block-title rbc-expandable-trigger rbc-expandable-arrow-wrap\"><button aria-expanded=\"false\" aria-controls=\"how-are-pensions-split-in-a-divorce-content\" data-target=\"how-are-pensions-split-in-a-divorce-content\" data-duration=\"400\" class=\"rbc-expandable-trigger-button rbc-expandable-trigger-button-between\">\n<h3 id=\"h-how-are-pensions-split-in-a-divorce\" class=\"wp-block-heading h5\">How are pensions split in a divorce?<\/h3>\n<\/button><\/div>\n\n\n\n<div id=\"how-are-pensions-split-in-a-divorce-content\" aria-labelledby=\"how-are-pensions-split-in-a-divorce\" class=\"wp-block-rbcwm-expandable-block-content rbc-expandable-content rbc-expandable-content-inner-style content-4e2f38a6-fe65-47ab-9c9d-e2b17fed20f1\"><div class=\"rbc-expandable-content-body\">\n<p class=\"mt-1\">There are several ways in which&nbsp;pensions&nbsp;can be divided in a&nbsp;divorce, and the approach that is right for you will depend on many different factors, including your age and the complexity of your situation.<\/p>\n\n\n\n<p class=\"mt-1\">The three main methods of splitting pensions are:<\/p>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li><strong>Pension sharing order:<\/strong> this divides up your pensions and provides a clean break. You get a percentage share of your former spouse\u2019s pension or vice versa. This share can be transferred into a new or existing pension.<\/li>\n\n\n\n<li><strong>Pension offsetting:<\/strong> the value of your pensions is offset against your other assets. For example, you could get a bigger share of the family home in return for your ex keeping their pension.<\/li>\n\n\n\n<li><strong>Pension attachment order (or \u2018pension earmarking\u2019):<\/strong> when the pension starts to pay out, the ex-spouse receives part or all of the benefits. This method doesn\u2019t provide a clean break.<\/li>\n<\/ol>\n<\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbcwm-expandable-block rbc-expandable\">\n<div id=\"stronghow-are-investments-split-in-a-divorce-strong\" class=\"wp-block-rbcwm-expandable-block-title rbc-expandable-trigger rbc-expandable-arrow-wrap\"><button aria-expanded=\"false\" aria-controls=\"stronghow-are-investments-split-in-a-divorce-strong-content\" data-target=\"stronghow-are-investments-split-in-a-divorce-strong-content\" data-duration=\"400\" class=\"rbc-expandable-trigger-button rbc-expandable-trigger-button-between\">\n<h3 id=\"h-how-are-investments-split-in-a-divorce\" class=\"wp-block-heading h5\"><strong>How are investments split in a divorce?<\/strong><\/h3>\n<\/button><\/div>\n\n\n\n<div id=\"stronghow-are-investments-split-in-a-divorce-strong-content\" aria-labelledby=\"stronghow-are-investments-split-in-a-divorce-strong\" class=\"wp-block-rbcwm-expandable-block-content rbc-expandable-content rbc-expandable-content-inner-style content-4e2f38a6-fe65-47ab-9c9d-e2b17fed20f1\"><div class=\"rbc-expandable-content-body\">\n<p class=\"mt-1\">The way you split your investments in a divorce could have tax implications and there may be charges involved, so it\u2019s important to get&nbsp;financial and tax advice. For example, cashing in investments outside an&nbsp;ISA&nbsp;could land you with a significant&nbsp;<a href=\"https:\/\/www.rbcwealthmanagement.com\/en-uk\/insights\/ten-ways-manage-your-cgt-liability\" data-type=\"post\" data-id=\"23230\">capital gains tax&nbsp;(CGT)<\/a>&nbsp;bill. And if you receive income-generating assets as part of the divorce, this could affect how much income tax you pay.<\/p>\n\n\n\n<p>Transfers of assets between spouses or civil partners don\u2019t 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.<\/p>\n\n\n\n<p>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.<\/p>\n<\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbcwm-expandable-block rbc-expandable\">\n<div id=\"how-is-property-divided-in-a-divorce\" class=\"wp-block-rbcwm-expandable-block-title rbc-expandable-trigger rbc-expandable-arrow-wrap\"><button aria-expanded=\"false\" aria-controls=\"how-is-property-divided-in-a-divorce-content\" data-target=\"how-is-property-divided-in-a-divorce-content\" data-duration=\"400\" class=\"rbc-expandable-trigger-button rbc-expandable-trigger-button-between\">\n<h3 id=\"h-how-is-property-divided-in-a-divorce\" class=\"wp-block-heading h5\">How is property divided in a divorce?<\/h3>\n<\/button><\/div>\n\n\n\n<div id=\"how-is-property-divided-in-a-divorce-content\" aria-labelledby=\"how-is-property-divided-in-a-divorce\" class=\"wp-block-rbcwm-expandable-block-content rbc-expandable-content rbc-expandable-content-inner-style content-4e2f38a6-fe65-47ab-9c9d-e2b17fed20f1\"><div class=\"rbc-expandable-content-body\">\n<p class=\"mt-1\">There are several options to consider when deciding how to divide your property in a divorce:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>You could sell the home, both of you move out, and then use the proceeds towards buying a new home each.<\/li>\n\n\n\n<li>One partner could buy out the other partner\u2019s share.<\/li>\n\n\n\n<li>You could keep the home and one of you live in it until your children leave school.<\/li>\n\n\n\n<li>You could transfer part of the value of your home from one partner to the other, who would retain a stake and receive a percentage of the value when the house is sold.<\/li>\n<\/ul>\n<\/div><\/div>\n<\/div>\n<\/div><\/div><\/div><\/div>\n<\/div>\n<\/div>\n<\/div><\/div><\/div><\/section>\n<\/div><\/div><\/div><\/section>\n\n\n\t\t\t<section class=\"rbc-block rbc-block-featured b-primary\" data-location_id=\"Related solutions - Article two column card list\">\n\t\t\t\t<div class=\"container\">\n\t\t\t\t\t<div>\n\t\t\t\t\t\t<header class=\"row rbc-block-header\">\n\t\t\t\t\t\t\t<div class=\"col-12\">\n\t\t\t\t\t\t\t\t<div class=\"row\">\n\t\t\t\t\t\t\t\t\t<h2 class=\"rbc-block-header-title col-lg-8\">Related solutions<\/h2>\n\t\t\t\t\t\t\t\t\t<div class=\"col-lg-4 rbc-block-header-cta-wrap text-lg-right text-left mb-half mb-lg-0\">\n\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcwealthmanagement.com\/en-je\/solutions\" class=\"link-chev rbc-block-header-cta wp-block-rbcwm-related-solutions-link\"><span>All solutions<\/span><div class=\"rbc-icon\"><i aria-hidden=\"true\" role=\"img\" class=\"rbc-icon-img fal fa-angle-right\"><\/i><\/div><\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/header>\n\t\t\t\t\t\t<div class=\"row\">\n\t\t\t\t\t\t\t<div class=\"col-lg-12\">\n\t\t\t\t\t\t\t\t<div class=\"wrap\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"rbc-card rbc-card-cta rbc-card-mb rbc-card-hover rbc-card-cta-translucent ani-card-up\">\n\t\t\t\t\t\t\t\t\t\t\t<div draggable=\"false\" class=\"rbc-card-wrap\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"rbc-card-body\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"row\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"col d-flex\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"row w-100 align-items-center\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"rbc-card-cta-col-left mb-1 mb-lg-0 col-xl-4 col-lg-5\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"rbc-card-cta-title h5\">Wealth planning and management<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"rbc-card-cta-col-right col-xl-8 col-lg-7 rbc-card-cta-seperator\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p>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.<\/p>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcwealthmanagement.com\/en-je\/solutions\/wealth-planning\" class=\"col-auto align-self-lg-center rbc-card-link-full position-static\"><span class=\"sr-only\">Wealth planning and management<\/span><div class=\"rbc-icon rbc-card-cta-arrow fa-3x\"><i aria-hidden=\"true\" role=\"img\" class=\"rbc-icon-img fal fa-angle-right\"><\/i><\/div><\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"rbc-card rbc-card-cta rbc-card-mb rbc-card-hover rbc-card-cta-translucent ani-card-up\">\n\t\t\t\t\t\t\t\t\t\t\t<div draggable=\"false\" class=\"rbc-card-wrap\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"rbc-card-body\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"row\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"col d-flex\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"row w-100 align-items-center\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"rbc-card-cta-col-left mb-1 mb-lg-0 col-xl-4 col-lg-5\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"rbc-card-cta-title h5\">Investment management<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"rbc-card-cta-col-right col-xl-8 col-lg-7 rbc-card-cta-seperator\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p>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.<\/p>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcwealthmanagement.com\/en-je\/solutions\/investment-management\" class=\"col-auto align-self-lg-center rbc-card-link-full position-static\"><span class=\"sr-only\">Investment management<\/span><div class=\"rbc-icon rbc-card-cta-arrow fa-3x\"><i aria-hidden=\"true\" role=\"img\" class=\"rbc-icon-img fal fa-angle-right\"><\/i><\/div><\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"rbc-card rbc-card-cta rbc-card-mb rbc-card-hover rbc-card-cta-translucent ani-card-up\">\n\t\t\t\t\t\t\t\t\t\t\t<div draggable=\"false\" class=\"rbc-card-wrap\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"rbc-card-body\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"row\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"col d-flex\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"row w-100 align-items-center\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"rbc-card-cta-col-left mb-1 mb-lg-0 col-xl-4 col-lg-5\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"rbc-card-cta-title h5\">Pensions and retirement planning<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"rbc-card-cta-col-right col-xl-8 col-lg-7 rbc-card-cta-seperator\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p>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.<\/p>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcwealthmanagement.com\/en-je\/solutions\/pensions-and-retirement\" class=\"col-auto align-self-lg-center rbc-card-link-full position-static\"><span class=\"sr-only\">Pensions and retirement planning<\/span><div class=\"rbc-icon rbc-card-cta-arrow fa-3x\"><i aria-hidden=\"true\" role=\"img\" class=\"rbc-icon-img fal fa-angle-right\"><\/i><\/div><\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/section>\n\t\t\t\n\n\n<section class=\"wp-block-rbcwm-rbc-block rbc-block rbc-block-flush-bottom rbc-block-grey overlap-top overlap-bottom rbc-block-has-overlap has-block-grey-background-color has-background\"><div class=\"container\"><div class=\"row \"><div class=\"col-lg-12\"><div class=\"wrap\">\n<header class=\"wp-block-rbcwm-block-header row rbc-block-header\"><div class=\"col-lg-12\">\n<div class=\"row\">\n\n<h2 id=\"h-our-insights-and-ideas-nbsp\" class=\"wp-block-heading rbc-block-header-title col-lg-12\"><strong>Our insights and ideas<\/strong>&nbsp;<\/h2>\n\n<\/div>\n<\/div><\/header>\n\n\n\n\t\t<div class=\"row\">\n\t\t\t<div class=\"col-lg-12\">\n\t\t\t\t<div class=\"row overlap-bottom\">\n\t\t\t\t\t\n\t\t\t\t\t\n<div class=\"rbc-media-card-col rbc-card-col-my col-lg-4 col-md-6\">\n\t<div class=\"rbc-card rbc-media-card rbc-card-hover rbc-media-card-stacked-vertical\">\n\t\t<div draggable=\"false\" class=\"rbc-card-wrap\">\n\t\t\t<div class=\"rbc-card-body rbc-hero-img-background-position\">\n\t\t\t\t\t\t\t\t<div class=\"rbc-media-card-image\" style=\"background-image: url('https:\/\/www.rbcwealthmanagement.com\/en-je\/wp-content\/uploads\/sites\/25\/2026\/05\/four-chairs-on-beach-3210x2140-1.webp?w=1024');\"><\/div>\n\t\t\t\t\t\t\t<h3 class=\"rbc-media-card-title rbc-media-card-title-wrap\"><span class=\"rbc-media-card-title-link\"><span>Family business governance: How to ensure wealth is safeguarded<\/span><\/span><\/h3>\t\t\t\t<span class=\"category rbc-media-card-category\">\n\t\t\t\t\tYour business\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcwealthmanagement.com\/en-je\/insights\/family-business-governance-how-to-ensure-wealth-is-safeguarded\" class=\"rbc-media-card-footer-link align-self-end link-chev rbc-card-link-full\">\n\t\t\t\t\t\t<span class=\"rbc-media-card-cta-link\">\n\t\t\t\t\t\t\t5 minute read\t\t\t\t\t\t\t<div class=\"rbc-icon\">\n\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" role=\"img\" class=\"rbc-icon-img fal fa-angle-right\"><\/i>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<span class=\"sr-only\">&#8211; Family business governance: How to ensure wealth is safeguarded<\/span>\n\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n<div class=\"rbc-media-card-col rbc-card-col-my col-lg-4 col-md-6\">\n\t<div class=\"rbc-card rbc-media-card rbc-card-hover rbc-media-card-stacked-vertical\">\n\t\t<div draggable=\"false\" class=\"rbc-card-wrap\">\n\t\t\t<div class=\"rbc-card-body rbc-hero-img-background-position\">\n\t\t\t\t\t\t\t\t<div class=\"rbc-media-card-image\" style=\"background-image: url('https:\/\/www.rbcwealthmanagement.com\/en-je\/wp-content\/uploads\/sites\/25\/2026\/05\/couple-meets-with-realtor-for-house-viewing-3210x2140-1.jpg?w=1024');\"><\/div>\n\t\t\t\t\t\t\t<h3 class=\"rbc-media-card-title rbc-media-card-title-wrap\"><span class=\"rbc-media-card-title-link\"><span>Investment-backed lending: How to use your investments to secure a loan<\/span><\/span><\/h3>\t\t\t\t<span class=\"category rbc-media-card-category\">\n\t\t\t\t\tCase study\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcwealthmanagement.com\/en-je\/insights\/investment-backed-lending-how-to-use-your-investments-to-secure-a-loan\" class=\"rbc-media-card-footer-link align-self-end link-chev rbc-card-link-full\">\n\t\t\t\t\t\t<span class=\"rbc-media-card-cta-link\">\n\t\t\t\t\t\t\t4 minute read\t\t\t\t\t\t\t<div class=\"rbc-icon\">\n\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" role=\"img\" class=\"rbc-icon-img fal fa-angle-right\"><\/i>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<span class=\"sr-only\">&#8211; Investment-backed lending: How to use your investments to secure a loan<\/span>\n\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n<div class=\"rbc-media-card-col rbc-card-col-my col-lg-4 col-md-6\">\n\t<div class=\"rbc-card rbc-media-card rbc-card-hover rbc-media-card-stacked-vertical\">\n\t\t<div draggable=\"false\" class=\"rbc-card-wrap\">\n\t\t\t<div class=\"rbc-card-body rbc-hero-img-background-position\">\n\t\t\t\t\t\t\t\t<div class=\"rbc-media-card-image\" style=\"background-image: url('https:\/\/www.rbcwealthmanagement.com\/en-je\/wp-content\/uploads\/sites\/25\/2026\/04\/National-Debt-GIW-012826-3210-2140.jpg?w=1024');\"><\/div>\n\t\t\t\t\t\t\t<h3 class=\"rbc-media-card-title rbc-media-card-title-wrap\"><span class=\"rbc-media-card-title-link\"><span>Crosscurrents buffet U.S. dollar and Treasury market<\/span><\/span><\/h3>\t\t\t\t<span class=\"category rbc-media-card-category\">\n\t\t\t\t\tAnalysis\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcwealthmanagement.com\/en-je\/insights\/crosscurrents-buffet-us-dollar-and-treasury-market\" class=\"rbc-media-card-footer-link align-self-end link-chev rbc-card-link-full\">\n\t\t\t\t\t\t<span class=\"rbc-media-card-cta-link\">\n\t\t\t\t\t\t\t11 minute read\t\t\t\t\t\t\t<div class=\"rbc-icon\">\n\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" role=\"img\" class=\"rbc-icon-img fal fa-angle-right\"><\/i>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<span class=\"sr-only\">&#8211; Crosscurrents buffet U.S. dollar and Treasury market<\/span>\n\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"col-12\">\n\t\t\t\t\t\t\t<div class=\"rbc-button-block row no-gutters align-items-end rbc-block-spacer-t justify-content-end\">\n\t\t\t\t\t\t\t\t<div class=\"col-lg-5 order-1\">\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcwealthmanagement.com\/en-je\/insights\" class=\"rbc-button rbc-button-block-cta rbc-button-large rbc-button-secondary rbc-button-block\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"rbc-icon rbc-button-icon-right\">\n\t\t\t\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" role=\"img\" class=\"rbc-icon-img fal fa-angle-right\"><\/i>\n\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\tBrowse more insights\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<\/div><\/div><\/div><\/div><\/section>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Get expert financial planning tailored to your life. From today&#8217;s goals to tomorrow&#8217;s legacy. Explore now.<\/p>\n","protected":false},"author":49,"featured_media":0,"template":"","meta":{"_acf_changed":false,"editor_notices":[],"rbc_url_alias":"","footnotes":""},"rbcwm_content_owner":[],"class_list":["post-1441","rbcwm_solutions","type-rbcwm_solutions","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.5 (Yoast SEO v27.6) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Financial planning for life events | RBC Wealth Management Jersey<\/title>\n<meta name=\"description\" content=\"Get expert financial planning tailored to your life. From today&#039;s goals to tomorrow&#039;s legacy. 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