Senior management

Key objectives

Our client was not planning to retire for some years and was ready to take a more considered approach to financial planning in tandem with continuing to accumulate wealth. He wanted to reduce the administrative burden and time spent managing his finances as well as simplifying and consolidating his many pension pots.

The priority was establishing a comprehensive, strategic view of his balance sheet and ensuring that any cash surplus to expenditure was directed into tax-efficient investments designed for long-term growth. Looking ahead to the next generation, the client was keen to update his will and to start building investment portfolios for the future benefit of his children.

How we helped

Using our Wealth Framework, we helped the client organise assets into clear categories, providing balance sheet clarity and identifying actionable areas.

We analysed annual income and expenses to build a tailored long-term cashflow model, leading to the decision to ring-fence a strategic cash reserve for upcoming tax and mortgage obligations.
We also advised on allocating to a long-term nest egg portfolio, one held jointly with his wife, and another for their children.

After discussing risk and return, the client selected a medium-risk strategy targeting inflation +3% p.a., implemented via a tax-efficient investment structure.

On the corporate side, we introduced colleagues from our Global Advisory team for early-stage discussions around future transactions.

Solutions and options

We helped the client set up investment portfolios for his children, funded via a monthly standing order from excess income. Using cashflow modelling, we also began planning for larger future gifts to support their entry onto the property ladder.

Annual ISA subscriptions were arranged for all four family members, and we simplified retirement planning by consolidating pensions into a Self-Invested Personal Pension, invested in a higher-risk strategy targeting inflation +4% p.a.

Through Rothschild & Co’s advisor network, we introduced private client lawyers to update his will and tax advisers who recommended using a Family Investment Company (FIC) for the children’s investments.

Leveraging our FIC experience, we onboarded the account smoothly and implemented a suitable investment structure.employer pension to a self-invested personal pension, invested school fees via a lower risk portfolio, and set up a designated tax account where gilts would mature with each tax bill with the funds going directly to HMRC.

Outcome

The client and his family now benefit from a robust, long-term financial partner. With Rothschild & Co managing investments for the broader family, our client has reclaimed valuable personal time and feels well positioned if faced with market volatility.

_{Source: Rothschild & Co, Bloomberg Data from 31 December 2002 to 31 December 2025.}

_{The New Court Fund GBP inception date was 14 July 2015. Performance for periods prior to inception date is the Rothschild & Co Wealth Management UK Ltd GBP Balanced composite, adjusted to reflect the fund's 1% annual management charge and 0.06% operational costs. Performance data is net of fees. Data post 30 September 2007 is net of actual client fees incurred. Data prior is actual gross performance less current average client fees.}

_{Past performance is not a reliable indicator of future performance and the value of investments and the income from them can fall as well as rise.}

_{The above graphs are for illustrative purposes only. The information above is not intended and should not be construed as tax advice. Each investor should seek their own independent tax advice}