Wealth Is Personal
Everyone has a different vision of their ideal future. We'll help you realise yours.
Sometimes you need to step back from your wealth and look at the big picture. It pays to consider the risks as well as the opportunities and ultimately clarify what you’re trying to achieve.
Our Financial Advice Service in partnership with Schroders Personal Wealth is designed to help you answer all these questions and put in place a wealth strategy that’s just right for you.
Our approach to financial advice
- You’ll benefit from the expertise and knowledge of a Schroders Personal Wealth Adviser.
- Clear and transparent pricing.
- Choose between one off advice to design and help you implement a financial plan suited to your individual needs or ongoing advice which means having financial expertise on tap wherever life’s path takes you.
- An online account that allows you to view your investment 24/7.
- To benefit from the expertise of Schroders Personal Wealth, you will need to have at least £100,000. This could be in sole/joint savings, investments, personal pensions, and/or £100,000 sole annual income.
- There are no hidden fees or charges, and you’ll only pay if you choose to go ahead with the recommendations presented in your personalised financial plan.
Plan your future with confidence
As part of your plan, your Schroders Personal Wealth Adviser will help you consider 5 key areas of your financial future:
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Your Schroders Personal Wealth Adviser can help you find the most efficient way to invest your wealth with a tailored plan. They’ll present the options you have available to grow your wealth and achieve your goals, based on the level of risk you’re willing to take.
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Life can bring unexpected challenges, such as an illness, injury or loss of income. So your plan will also consider your life and income protection needs to bring you peace of mind.
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You may have a single pension, multiple pensions or no pension at all. Either way, your financial plan can show you the path to the retirement you’ve always hoped for.
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There’s lots of decisions to be made about how best to access your pension. Your plan will help you understand all the options available so you can manage the income from your pension with confidence.
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When it comes to passing on your wealth to the next generation, you’ll want to do it in the most tax efficient way. Your plan can cover how best to pass on your wealth to those you care for the most.
Important Information for Existing Customers
Identity of the execution venues used by us.
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We will exclusively transmit orders relating to shares, fixed interest investments, warrants and other direct holdings to Halifax Share Dealing Limited (HSDL) for execution or further transmission. HSDL, which is also part of the Lloyds Banking Group has been selected for its ability in aiming to achieve the best possible results.
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We will execute orders relating to holdings in collective investment schemes directly with the fund provider. This ensures timely settlement with full disclosure of price and any associated cost in aiming to achieve the best possible results.
For collective investments we do not pay or accept any fee, commission or other non-monetary benefit if it is likely to impair our ability to act in your best interests or it is not permitted under the applicable regulations.
When executing orders in collective investment schemes, the most important factors taken into account are price and transaction costs. In certain circumstances, we may also take into account other factors such as speed, likelihood of execution and settlement, size or any other consideration that we deem relevant for the purposes of dealing with your order.
The Lloyds Banking Group has established and implemented a conflicts policy to ensure close links to execution venues or other factors that give precedence over immediate price and cost when executing retail client orders.