Understanding your role

While high-quality products and solutions are available from many sources, building strong relationships with financial services providers takes time. At Coutts, we know your time is in short supply, so we provide a full range of wealth management services from one place.

We also understand that share options may be an integral part of your benefits package, so we can provide timely and appropriate advice to maximise your benefits. Additionally, our team can advise you on managing your capital tax-efficiently, while giving you access to experts in pension planning, tax and structuring complex lending and credit propositions.

Our Private Bankers focus on providing you with fast and efficient services for every stage of your career:

Moving towards the board

We provide a private banking service that aims be more convenient for those on a busy schedule, progressing towards board level. The service gives you: 

• contact with a dedicated Private Banker to discuss any aspect of your financial affairs during the business day
• 24/7 telephone access to our dedicated general banking team
• access to Coutts online banking, providing an easy and secure way to manage your money and contact your Private Banker
• access to a range of investment and borrowing facilities.

On the board

Your Private Banker and their team understand the demands of your role and can rapidly assess your financial requirements. They also appreciate that bonuses, including shares and options, may boost your regular income. With an understanding of your compensation scheme, share options and incentive plans, we can help protect and grow your wealth.

Retired or nearing retirement

As you near the end of your career, you may wish to retire from full-time employment or take non-executive positions. While you may have a substantial asset base, you might also have changed employer several times. This means you could have various funds, pensions and stock holdings. We can advise on how best to benefit from your assets, including taking an income, maximising capital value and minimising tax. Our team can also help protect your assets and estate from inheritance tax.

Your Private Banker and their team understand the demands of your role and can rapidly assess your financial requirements. They also appreciate that bonuses, including shares and options, may boost your regular income. With an understanding of your compensation scheme, share options and incentive plans, we can help protect and grow your wealth. As you near the end of your career, you may wish to retire from full-time employment or take non-executive positions. While you may have a substantial asset base, you might also have changed employer several times. This means you could have various funds, pensions and stock holdings. We can advise on how best to benefit from your assets, including taking an income, maximising capital value and minimising tax. Our team can also help protect your assets and estate from inheritance tax.

As a Coutts client, a Private Banker will look after your financial affairs. We already work closely with clients like you, including investment bankers, partners of private equity firms and hedge funds, traders, fund managers, brokers and underwriters. This means we are familiar with the needs of people in your position.

For example, we understand that your financial arrangements may include complex remuneration packages, including salaried earnings, annual bonuses, or incorporating share options and long-term incentive plans. They may also incorporate large single holdings where risk might be a concern or present an opportunity to raise liquidity.

Furthermore, we can advise you on managing capital, share options and dividends tax-efficiently, while giving you access to experts in pension planning, tax, and structuring complex lending and credit propositions.

Building and growing your wealth

While potentially lucrative, a career in the financial markets can be volatile. Bonuses are often variable and your wealth may need to last a long time. We recognise that you may want to use surplus monies for core investments or benefit from our dealing and custody services. We can also manage your investments on your behalf, perhaps by diversifying your assets beyond your sector. Additionally, we take a personal approach to lending, which involves considering other possible repayment options, such as future bonuses.

Retired or nearing retirement

If you decide to leave the financial markets sector, we can help structure your assets to protect your wealth, provide an income, maximise capital value and minimise tax. Should you choose to launch your own business, we can also advise you on starting, growing, managing and selling your company. Our team can assist on everything from initial funding to planning your final exit strategy.