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What did Emma do?

Ensuring your loved ones are financially protected is the top concern for many people, including Emma…

"I suppose you could say I have a history of being quite organised with finances – always trying to think about what comes later – rather than just what’s around the corner. But when it comes to planning for my children’s future, I make sure I do everything I can.

Whether it’s opening different ISAs or savings accounts that will benefit them when it comes time to leave home, my focus has always been on them. But while I’ve always had a proactive approach to creating a better future for them, I did wonder what would happen with my estate after I was gone.

So I decided to talk to Lloyds Bank. My adviser helped focus on a succession plan so I could feel confident that I was not only growing a nest egg for my children, but also so that they would receive my estate in the most tax efficient way. Now, all I have to worry about is looking after them day by day, rather than how they’ll manage tomorrow."

How we can help you

Like Emma, you could be eligible for financial advice. The Personal Financial Advice Service is open to those with a minimum of £100,000 in savings, investment, and/or personal pensions, or a sole annual income of at least £100,000.

Before any services or products are provided to you we will explain what advice we can give and what products and services this covers, and any advice or product charges that apply and agree these with you.


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Get in touch with one of our Private Banking and Advice Managers.

No charges for the initial meeting to discuss your individual circumstances and objectives.

No obligation to take any of our services or products.



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You can call us to arrange an appointment or ask a question.

Lines are open Monday to Friday from 09:00 to 17:00 (Tuesday and Thursday until 19:00) and Saturday from 09:00 to 13:00. Excluding Bank Holidays. Call cost may vary depending on your service provider.

We have anonymised the name and detail of the customer featured but this is indicative of a real life story.

The examples were prepared as at March 2017 and may not accurately reflect the advice, services and/or products which would be provided after this date. The examples should not be relied upon when considering your own circumstances and financial arrangements. Financial advice based on your own circumstances should be obtained where appropriate.opens in a new window.