We understand the complexities of family life. Structures need to adjust as children leave home and have families of their own. Relationships change over time. Divorce requires new strategies on both sides.
Every family is different, which is why we provide an individual level of service covering all aspects of your wealth. Our Private Office team is experienced in succession planning, wealth preservation and other family goals.
We will evaluate the performance of your wealth as a whole and at individual portfolio level. An independent perspective can benefit the structuring of wealth and improve asset and liability management. We can help you to consolidate assets, apply integrated strategies and harmonise interests within the family.
Managing wealth where business and personal interests overlap presents particular challenges. Through our consolidated reporting and independent perspective, we can identify risk exposures you may not be aware of and recommend strategies to manage them. Concentration risk is among the occupational hazards for entrepreneurs that we can advise on.
Our team can help with the transition from wealth creation to preservation. For example, as you move from business owner to investor, we will recommend asset allocations to match your changing priorities and source the best investment managers for your objectives.
Selling your business requires planning to make the most of the opportunities available. We will work with your advisers to make sure tax planning, wealth structuring and investment strategies are robust and integrated. We can help you turn the success of your business into financial security for your family, philanthropic involvement and your next project.
Our independent advice can help you make the most of the rewards from a successful career.
Taking control of retirement planning is a common goal, especially for executives who have multiple pension plans. Our understanding of the changing rules and regulations affecting company and personal pensions, together with effective tax planning, can help protect your benefits.
We can review your investment strategy, optimise asset allocation and take care of portfolio management for you. Our lending services include the use of portfolios to access liquidity when you need it.
We understand how financial priorities can change as you near retirement. With our perspective on the whole of your wealth, we can help you get organised for the next stage of your life. The timing and structure of disposals is crucial: we can provide the right advice at the right time.
When you are busy dealing with the financial priorities of others, you can easily neglect your own. Our Private Office will help you take care of your personal finances through independent advice and expert support.
Our locations across the UK give you easy access to a team of experienced wealth management professionals who understand your needs.
Our familiarity with industry compensation models means we can advise you on how to optimise your retirement planning and tax position. We have the global research to help you stay on top of investment trends across different markets. We can also monitor the application of any investment restrictions that your investment managers should comply with.
In an increasingly complex environment for international citizens living and working in the UK, our Private Office can help you make the right financial decisions.
Our client advisers are fully trained in the UK’s RND regulations. By getting a complete picture of your wealth, we can make sure asset allocation is appropriate.
We are sensitive to RND requirements concerning UK situs assets and the segregation of income and capital. Our capabilities include portfolio management for UK investor visa holders and investment advisers who specialise in RND portfolios.
Our team of chartered financial planners have an understanding of the implications for RND investors of the UK’s tax rules and they can work closely with your advisers to provide you with coordinated advice and support. If you want advice on tax planning, we have the knowledge to help organise your finances and will involve your advisers and other specialists to create the right plan.
The Channel Islands and Switzerland are available as offshore jurisdictions.
Our Private Office provides access to global wealth management expertise from one of the world’s leading financial centres. We can act as your gateway to investment management providing trusted, reliable support – we can be your confidant and long-term partner that helps you navigate the complexities of a globalised world.
Alongside our own award-winning discretionary investment management built on more than 270 years of UK heritage, we can connect you to suitable investment managers worldwide – including private equity and hedge fund specialists.
We can provide you with account opening, discretionary services and advisory portfolios booked in the Channel Islands or Switzerland.
Our team’s background with global institutions means we understand the objectives and priorities of overseas investors. Our service is individual and discreet.
A dedicated client adviser will make sure you get everything you need from us. Our Private Office is led by a team that has spent their entire career growing, protecting, and preserving wealth of this scale.
Ian Dembinski joined as Head of the Rathbone Private Office on 1st July 2016.
He has 31 years of financial services experience having started his career in investment banking in 1985 working for SG Warburg. His first 18 years involved a variety of roles including corporate banking, Iberian country coverage, debt capital markets and corporate finance sector coverage for hotels, airlines and leisure businesses. In 2003 he joined the UK private banking team of UBS as a relationship manager progressing to team leader in 2006 and Head of UK Ultra High Net Worth (“UHNW”) clients in 2008. In 2010 he joined Credit Suisse as Managing Director and Head of UK UHNW and then assumed responsibility for the UK domestic private banking group in August 2012 where he successfully developed the bank’s HNW franchise until February 2016.
He is RDR Level 6 qualified having passed the PCIAM qualifications with merit and is a member of CISI. He studied at Queens College Oxford where he read history and achieved a BA Hons.
Natalie joined as Head of Investment Solutions in October 2015. She has 25 years of financial services experience having started her career currency trading for Lehman Brothers and Citibank NA.
In 2000 Natalie obtained a MSc with Distinction in Investment and Risk Management from Cass Business School and began working for UBS as Head of Investment Consulting. There she built a wealth management business offering a range of products and services suitable for wealthy individuals. In November 2006 she joined Kleinwort Benson to develop the private bank offering. Her responsibilities spanned across the investment business both advisory and discretionary.
Natalie served as an Executive Member at Kleinwort Benson and as a Non-Executive Director of the KB Elite PCC Limited, and a Director of the KB Global Funds Limited and Kleinwort Benson (CI) Investment Management Limited.
In October 2015 Natalie joined Rathbones to build the Rathbone Private Office.
Peter joined Rathbone Private Office in September 2016 as a Client Director. He has 29 years of financial services experience having started his career as a graduate trainee at Kleinwort Benson Group in 1987.
Peter’s broad career includes roles as Head of Research for Barclays in Indonesia and as CEO of an internet business backed by Virgin Group. In 2007 he joined Credit Suisse Private Bank as a director focussing on clients ranging from family offices and FTSE CFOs and CEOs to senior entrepreneurs and finance market professionals in Europe and Asia. His wealth management skill is supported by stock broking and fund management experience as well as founding two businesses, one of which was a top ten brokerage in Indonesia. Most recently Peter was a Director in the Key Client team at Deutsche Bank in London.
Peter gained a MA (Hons) from St Andrews University and is a member of CISI.
Alex joined Rathbone Private Office in May 2016 as a Client Director. He has 19 years industry experience in which time his clients have sought his experience in investment management, financing and trust management to achieve their financial objectives. Alex’s career includes several years as a global equity fund manager for a Nordic bank. The fund gained a Standard & Poor’s 4 star performance rating. Alex joined from the RBC, where he was a Director. Prior to RBC, Alex was a Vice President at Barclays where he advised resident non domicile clients.
He is a Fellow of the Chartered Institute of Securities and Investment and a full Diploma holder and also a Member of the Society of Trust and Estate practitioners, by virtue of holding the STEP Diploma in International Trust Management.
Alex graduated from university with an RICS accredited honours degree in Property Investment and Asset Management. Later he gained an MBA from Edinburgh Business School.