Welcome to Rheo, a forward-thinking wealth management firm built around you, your values and your ambitions. Combining deep expertise with tailored advice, we help you make confident decisions to achieve your goals.
Our Services
Wealth isn’t static. Neither are we.
We combine deep expertise with tailored advice, helping to secure futures, create impact and achieve goals.
Financial planning
Comprehensive planning to manage income, expenses, assets and liabilities, aimed at ensuring long-term financial stability and achieving personal or family goals.
Cashflow planning
We provide expert advice, backed by forecasting software, to help project your financial future and overcome inertia around important life decisions.
Pensions & retirement planning
Assessing your current financial position, pension arrangements and goals to recommend tax-efficient strategies for growing your retirement savings.
Wealth consolidation
We consolidate your financial assets into a streamlined view to reduce administrative complexity, lower fees and enhance overall investment management.
Investment strategy review & advice
We evaluate your investment portfolio to align it with your financial goals, liquidity requirements and risk tolerance—aiming to optimise returns while managing risk.
Intergenerational planning
Aligning financial plans to support heirs through trusts, lifetime gifting, inheritance tax planning and pensions to preserve family wealth and security across generations.
Reducing tax burden
We structure your income, investments, and estate to minimise tax liability using legal and regulated strategies, including allowances, reliefs and tax-efficient wrappers.
Support on significant life events
We offer trusted guidance through significant life events, supporting you in evaluating financial implications, managing emotions and making well-informed decisions
Our Process
Finding your financial flow
We offer a structured approach that empowers you to manage your wealth purposefully and confidently, in alignment with your values and ambitions.
Never Work Again Fund
Through detailed financial cashflow modelling, we calculate the amount you need to set aside in your ‘Never Work Again Fund’ (NWAF)—the sum required to sustain your lifestyle indefinitely without relying on work. Once this foundation is in place, we help you explore how any surplus wealth can be allocated across four key areas, aligned with your personal values and ambitions.
Lifestyle
Covers assets that enhance quality of life, such as a holiday home.
Non-contingent
Enables you to pursue higher-risk, illiquid opportunities—such as angel investing—that aren’t essential to achieving your core financial goals
Legacy
Ensures you can pass wealth on to future generations in a meaningful, tax-efficient way.
Philanthropy
Helps you give back to causes and communities you care about.
Our Services
Pouring our expertise into what matters most
It’s our privilege to offer stewardship over charitable assets, with a process that empowers trustees while providing group accountability.
Investment governance
We oversee the structure, strategy and performance of your organisation’s investments to ensure they align with your objectives, risk tolerance and ethical values.
Educational investment and ESG workshops
Building your knowledge and confidence in managing investments by covering core principles, Trustee Act duties, Charity Commission guidelines, and ESG considerations.
Investment strategy review and advice
We evaluate the suitability of your organisation’s investment managers based on their investment strategies, risk management, fees and alignment with charity objectives.
Investment manager research
Analysing potential and existing investment managers to select the best fit for your organisation’s goals and to ensure long-term, sustainable asset management.
Cashflow optimisation and scenario analysis
Assessing your organisation’s cashflow and identifying opportunities to optimise assets, helping you manage liquidity and maintain sustainable financial health.
Optimising portfolio construction
We review your organisation’s investments to ensure they are properly allocated, diversified and aligned with your goals and risk tolerance, fostering resilience in changing markets.
Our Process
Invest with confidence
We follow a clear, tried and tested, four-stage process, designed specifically for charities and not-for-profit organisations.
Policy
Creating a bespoke Investment Policy Statement by deeply understanding your organisation’s financial position, mission and strategic goals to guide future investment decisions.
Analysis
Assessing your existing assets and investments to ensure alignment with policy objectives, while identifying strengths, gaps and opportunities for optimisation.
Implementation
Providing clear, actionable advice to realign investments in support of your mission and financial goals through asset allocation, manager selection and strategic adjustments.
Reporting
Establishing a regular review framework to prevent strategy drift, maintain investment alignment with your evolving needs and the wider economy, and support long-term success.