What is Bespoke Retirement Solution?
One of the main difficulties in establishing a client’s retirement strategy is ensuring they have enough income to last throughout their life. BRS is designed to mitigate these risks and provide a structured, effective, and flexible investment approach tailored to each client’s specific needs in retirement. Our BRS is specifically built to address the limitations of traditional accumulation/decumulation strategies.
Helping you 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 ensuring their clients’ wealth lasts. Risks such as sequencing risk, longevity risk, and inflation risk can significantly impact retirement outcomes.
Our Bespoke Retirement Solution (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 Sequencing risk, for example, can deplete portfolios if income is withdrawn during market downturns.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 means funds must last decades, while inflation risk erodes purchasing power over time.
Why choose our Bespoke Retirement Solution?
Tailored to your clients’ needs
BRS is fully customisable to your clients’ unique goals, offering a personalised approach to retirement planning.
Protects against market risks
Mitigates sequencing risk and ‘pound cost ravaging’ by setting aside income in cash and fixed-income assets, so clients aren’t forced to sell during market downturns.
Helps your retirement funds go further
Designed to extend the life of your retirement savings beyond traditional strategies.
Holistic retirement planning
Supports advisers with cashflow modelling tools and insights into pre- and post-retirement behaviours to optimise client outcomes.
Meets your Consumer Duty
Helps you fulfil Consumer Duty obligations with a strategy that reduces the risk of clients running out of money, backed by robust data.
Expert support at every step
Backed by an experienced investment management team, BRS offers ongoing support and flexibility to meet your clients’ evolving needs.
Bespoke Retirement Solution whitepaper
Our analysis shows that BRS reduces the risk of running out of money.
Talking to us about solution pre drawdown, not just at retirement, up to seven years prior.
Three pot structure
Three pot structure
Key features
Blended
Blends traditional assets with more sophisticated financial instruments to create targeted maturity pots for each stage of your client’s retirement journey.
Timely
Supports immediate liquidity, medium-term income security, and long-term investment growth.
Bespoke
Tailored to each client’s unique circumstances, considering their income needs, capacity for loss, and risk appetite.
Flexible
Offers the flexibility to adapt the portfolio over time to reflect the client’s evolving needs.
Expert
Managed by experienced investment managers with decades of experience in financial markets.
Why choose RBC Brewin Dolphin?
Trusted
1,700 adviser partners
Expert
Voted top of our field
Established
Our firm dates back to 1762
Your clients’ investments are in safe hands
Gold rating for our Discretionary Fund Management 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 star rating for our Bespoke Discretionary Fund Management Service
Your client relationships are, and will remain, yours
Rest assured that your client always belongs to you. We rely on you for information about your clients’ investment requirements, goals, ambitions, attitude to risk and capacity for loss, which helps to inform us about the type of portfolio they require. We only supply investment management services in accordance with your instructions.
Research team
Our research team’s investment philosophy and process forms the foundation for all our services.
Research philosophy
Our in-house research team identifies, analyses and monitors the best investments to enable us to preserve and grow your clients’ money over the long term and respond quickly to market events.
Find out moreResearch investment process
Discover our rigorous, independent and dynamic investment management process, which reduces the regulatory and compliance burden, so you can focus on your clients.
Find out moreOur services
We offer a range of services to help you meet the needs of each client.
Discretionary Fund Management
Our Discretionary Fund Management (DFM) offering builds bespoke solutions that are tailored to each of your clients’ unique priorities and goals.
Key information
Managed Portfolio Service (MPS)
Since 2008, more than 1,000 advice firms have signed up to use MPS, attracted by strong investment performance and a constant focus on client satisfaction.
Key information
Passive Plus MPS
Our Passive Plus MPS gives access to lower-cost index funds, selected by our award-winning research team.
Key information
Sustainable MPS
Our Sustainable MPS gives your clients the opportunity to utilise funds that exclude exposure to certain controversial sectors and seek to invest in companies that have a positive societal and environmental impact
Key information
Voyager Risk Rated funds
Our Voyager Fund Range follows the investment approach of MPS but in a unitised structure.
Key information
MI Select Managers funds
Our MI Select Managers funds hold multiple segregated mandates under one fund structure with the aim of improving operational and cost efficiency.
