Bespoke Retirement Solution (BRS)

Intermediaries

Our BRS is an evolution of our established investment approach, drawing on decades of expertise and experience in financial markets.

What is Bespoke Retirement Solution?

Bespoke Retirement Solution (BRS) is a tailored, structured retirement income planning approach designed to help advisers protect client wealth. It mitigates sequencing risk, longevity risk, and inflation risk, which are the three forces most likely to deplete portfolios. BRS aligns client portfolios with their actual goals, ensures Consumer Duty compliance, and reduces the chance clients run out of money. Backed by decades of expertise, it empowers advisers to deliver greater confidence and measurable outcomes in every retirement strategy.

Helping navigate retirement risks for your clients

Retirement income planning is more complex than ever. With people living longer – many needing income for 30 years or more – advisers face growing challenges in helping to ensure their clients’ wealth lasts. Risks such as sequencing risk, longevity risk, and inflation risk can significantly impact retirement outcomes.

Our BRS helps mitigate these challenges. With a tailored, structured, and holistic approach, BRS aims to reduce the risk of clients running out of money while aligning portfolios with their goals. Backed by decades of expertise, it empowers you to deliver greater confidence, and compliance in your retirement planning strategies.

Advisers are also under increasing pressure to meet Consumer Duty obligations, ensuring solutions avoid foreseeable harm and are suitable for clients’ needs. Sequencing risk, for example, can deplete portfolios if income is withdrawn during market downturns. Longevity risk mitigation means funds need to last decades, while inflation risk erodes purchasing power over time.

Key facts about our BRS

We rely on you for information about your clients’ investment requirements, goals, ambitions, attitude to risk and capacity for loss, which helps inform us about the type of portfolio they require. We only supply investment management services in accordance with your instructions.

Managed by investment managers with decades of experience in financial markets, our BRS works by:

  • Blending traditional assets with more sophisticated financial instruments to create targeted maturity pots for each stage of your client’s retirement journey
  • Providing a fully customisable service that matches your clients’ unique goals
  • Mitigating market risks, setting aside income in cash and fixed-income assets
  • Extending the life of retirement savings beyond traditional strategies
  • Supporting advisers with cashflow modelling tools and insights into pre- and post-retirement behaviours
  • Helping you fulfil Consumer Duty obligations
  • Supporting immediate liquidity, helping medium-term income security and long-term investment growth
Retirement planning, pension changes, pensions, wealth management, UK pension changes

Bespoke Retirement Solution whitepaper

Our analysis shows that BRS reduces the risk of running out of money.

Download BRS whitepaper

The value of investments, and any income from them, can fall and you may get back less than you invested. Information is provided only as an example and is not a recommendation to pursue a particular strategy. Forecasts are not a reliable indicator of future performance.

Deliver more for your clients


Our team is here to discuss how our disciplined investment approach can complement your advice and strengthen client relationships.

Why choose us?

Your client relationships remain yours

We partner with you to deliver solutions that align with your clients’ investment objectives and attitude to risk, ranging from fully bespoke portfolios to our managed portfolio services (MPS) and our funds. We’re here to support your advice, not replace it.

Our research philosophy

Rooted in discipline and collaboration, our investment research philosophy focuses on uncovering long-term value. Every idea is explored through discussion and detailed analysis to identify opportunities that benefit your clients.

A rigorous investment process

Our investment management process brings together expert judgement, disciplined selection and continuous review. This approach is designed to adapt to changing markets.

Your clients’ investments are in safe hands

Gold rating for our Discretionary Fund Management service

Gold rating for our Discretionary Fund Management service

A five star rating for our DFM MPS on Platform service

A five star rating for our DFM MPS on Platform service

A five diamond rating for our DFM MPS (Platform) Family service

A five diamond rating for our DFM MPS (Platform) Family service

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