Our relationship managers take the time to understand your needs and what matters most to you, so we can help you define and realise your personal and financial ambitions.

Know what you’re planning for

Our Private Wealth service helps you discover your ambitions in the areas most important to your financial wellbeing, such as your family, career or business, lifestyle and property. From there, we work with you to build a tailored financial plan to help ensure the decisions made to meet your needs today won’t compromise your goals for tomorrow.

Our wealth planning team will use innovative cash flow modelling to bring your financial plan to life. They can also help answer these questions:

• When can you afford to retire?
• How much is enough?
• How and when should you make gifts?
• How can you protect loved ones?
• Can you afford that luxury item?
• With these questions answered, you’ll have the insight to make informed decisions.

Restricted independent advice

Our team of wealth planners has your best interests at heart and will be able to discuss the best strategy for you, focused on the select products and solutions that we recommend.

• Investment structuring: A range of onshore and international investment structures designed to maximise tax efficiency, including ISAs, pensions and life assurance wrappers


• Pension planning: A range of UK onshore self-invested pension plans (SIPPs) catering to flexible investment strategies


• Trust and fiduciary services: A range of trusts designed to help you pass on wealth while retaining control


• Personal protection: Life cover, income protection and critical illness cover to supplement any existing benefits


• Protecting your business: Key person insurance to lessen the disruption of the loss of key individuals in your business


• Business exit planning: Advance planning of a sale to take advantage of valuable allowances that can maximise the value of your business to you and your beneficiaries

Whether you’re still growing your wealth, planning for your retirement or looking to pass on your wealth to the next generation, a conversation with us is the first step in building your personalised wealth plan.

The information provided should not be mistaken for formal planning advice; it is imperative that you seek relevant advice for your own personal circumstances. RBC do not provide tax or legal advice and we would recommend that you seek appropriate advice in these areas. Rates of tax will be based on individual circumstance and tax rules are subject to change. The value of investments, and any income from them, can fall and you may get back less than you invested. Neither simulated nor actual past performance are reliable indicators of future performance.

Choose to delegate your investment management to us

If you’re too busy to maintain a high level of ongoing involvement in managing a portfolio or prefer a more hands-off approach, discretionary investment management may be right for you.
Discretionary investment management is an approach to investing where you delegate day-to-day decision-making to an investment manager. As your investment manager, we make decisions on your behalf, applying our experience and expertise while ensuring the focus remains on the objectives of your customised investment strategy.

Choose to manage your investments with our help

If you want more control or influence over the management of your investment portfolio, you may prefer to use an advisory service.
Investment advisory is an approach where you make ongoing investment decisions based on advice from your investment counsellor. We help you develop your strategy while providing expertise and advice, encompassing portfolio construction, asset allocation and re-investment suggestions.
As our client, you also receive a wealth of detailed research from across RBC’s global network. This includes access to in-house product specialists spanning the major asset classes, from equities and fixed income to foreign exchange-linked and other structured products.

Enjoy the best of both worlds

Our Private Wealth service allows you to opt for a combination of discretionary and advisory investment management. For example, you may want to be involved in decision-making in instances where you have a particular viewpoint while delegating the general management of your portfolio to us.
We also offer a portfolio consulting service tailored to clients with multiple investment relationships where we provide bespoke portfolio design and strategy implementation, investment manager due diligence and consolidated reporting across various portfolios.
It’s entirely up to you how we work together. With this approach, your relationship manager or investment counsellor will be on hand when required to help you make informed decisions.
It is important to note that the capital value of, and income from, any investment may go down as well as up and you may not get back the full amount invested.