Wealth solutions for insurance professionals and business owners

Stepping into a senior management role is a significant milestone and often marks a shift in both your career and financial circumstances. As responsibilities increase, so too can the complexity of your remuneration, with incentives such as deferred compensation, long-term incentive plans, share awards and other performance-related benefits becoming a larger part of your overall wealth.

It is important to review how these changes fit into your wider financial picture. Consider the impact on your cashflow, retirement planning, protection arrangements and long-term family objectives. This can also be an opportune time to assess pension contributions, tax-efficient savings and how to diversify wealth that may become increasingly tied to your employer or industry. Establishing a clear financial plan, supported by cashflow modelling and trusted professional advisers, can help ensure your growing wealth remains aligned with your personal and family goals.

This is a common question and you should think about when you want to retire and how much you need to save and invest to support your lifestyle. Thinking about this early can make a big difference to both your retirement date and the amount you are able to draw in retirement.

Other points to consider are whether you have a plan in place for making the most of your distributions and surplus income ahead of retirement. This can enable you to grow your asset base in a tax-efficient manner.

At Rothschild & Co, we proactively manage investments with the aim of preserving and growing wealth in real terms over the long term. For many senior insurance professionals, wealth is built across multiple sources, including pensions, investments, cash reserves, share awards and property. Using our Wealth Framework, we help clients bring these assets together into a clear, coordinated plan and identify opportunities to improve diversification and long-term resilience.

Armed with a detailed understanding of your financial position, we can model the impact of key life decisions and changing circumstances. Whether you are considering stepping back from a leadership role, transitioning into consultancy or non-executive positions, helping family members financially or planning future gifting strategies, cashflow modelling allows us to test different scenarios and understand their long-term implications. This helps provide clarity, confidence and greater flexibility when deciding what the next chapter looks like.

We have a specialist team dedicated to working with insurance professionals. This team understands your requirements and can deliver relevant solutions to your circumstances. We have market-leading client service* and our pricing is transparent and straightforward, with an all-in annual management fee based on the assets we manage, ensuring no hidden charges. We also don’t impose any account opening or closing costs.

Our ‘bottom-up’ investment strategy focuses on individual assets rather than market trends, aiming for long-term returns that outpace inflation. We conduct extensive research into the individual stocks and funds, seeking opportunities that align with our clients’ goals. We provide detailed cashflow modelling to help grow your asset base and frame important investment decisions, such as the impact of moving home, when to retire or maximising the returns on your income. We also offer pro-active management services to help maximise returns on cash – which has been useful for clients with upcoming capital calls.

_{*Source: Savanta bi-annual client survey. Market-leading Net Promoter Score.}

Yes, we have a specialist team dedicated to working with insurance professionals who are here to make this easy for you. We can open accounts electronically (with pre-completed forms sent digitally to you) and our team are able to liaise and arrange any transfers or investments on your behalf.

Our core offering is discretionary investments, but we work with our clients across a range of areas. We provide detailed cashflow modelling to help understand important investment decisions, such as the impact of moving home, when to retire or maximising the returns on your income. We also offer pro-active cash management, offshore private banking and portfolio lending.

_{The information above is not intended and should not be construed as tax advice. Each investor should seek their own independent tax advice.}