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Financial growth and management

Your money needs time to accumulate. Plan today for the goals you have in mind, and you are more likely to be able to use your wealth as you wish in the future.

Whether you’re planning for retirement or looking to grow your wealth, we’ll help you design a durable wealth management strategy.

Build a financial growth plan

Fostering a long-term relationship with you is at the heart of our service. Our advisers will get to understand your needs and create a personal financial plan that seeks to meet those aspirations in ways appropriate to your circumstances.

To build your plan, we’ll assess your attitude to risk, how much you have to invest, your timeframes for investing, and your wider life goals.

Investing

Choosing where to invest need not be complicated.  We start by understanding what you want to achieve and help clarify your options. We’ll also take into account your attitude to risk, how much you have to invest and when you might need to access your wealth. We will then help develop a plan tailored to your objectives.

Our qualified advisers could help you:

  • Optimise your investment strategy
  • Recognise the risks
  • Understand complex financial products
  • Choose the appropriate strategy.

Once you’ve decided your path, we can help you select from different investment options, which could include:

  • Tax-efficient ISAs
  • Open-ended investment companies
  • Investment bonds
  • Specialised products, depending on your priorities and risk profile

Discretionary managed portfolios

We also offer a discretionary managed portfolio service. This is where we pull together a wide variety of investments to create a portfolio that we manage for you. The day-to-day investment decisions are made on your behalf by professionals with access to specialist fund managers from across the world.

*The value of investments, and the income from them, may fall as well as rise. Investors may not receive back the full amount originally invested. Past performance is not a guide to future performance.

Investing in an ISA or pension

Investing in an ISA or pension can result in tax efficient savings for higher-taxpayers as this case study shows.

Case study – Investment into an ISA or Pension
Chris is a higher rate tax payer in his mid forties and he wants to make a tax efficient investment of £15,000 to use later in life.

Tax treatment depends on individual circumstances and may change in the future.

Read more

Top 5 Brokers & Top 5 Fund Managers

This document displays information for the calendar year 2017 investments managed or administered by Lloyds Bank Private Banking, listing up to five of the most used venues.

Top 5 Brokers & Top 5 Fund Managers 2017

Information relating to the identity and quality of the execution venues used by us
For each class of financial instrument offered, we are required to publish a summary of our analysis and conclusions from our detailed monitoring of the quality of execution obtained on the execution venues where we have executed all client orders in the previous year. The information below relates to investments managed or administered by Lloyds Bank Private Banking.

For shares and other direct holdings
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 a part of the Lloyds Banking Group, has been selected for its ability in aiming to achieve the best possible results. Below is a link to the information relating to the identity and quality of the execution venues published by HSDL:

HSDL Best Execution

For collective investments
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 if 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 considerations 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 there are no close links to execution venues or other factors that give precedence over immediate price and cost when executing retail client orders.

Protecting and passing on your wealth

We can help you provide for your family’s future and pass on your wealth in the most efficient way.

Our wealth planning services include:

  • Specialist tax advice
  • Inheritance tax planning
  • Will writing
  • Setting up a trust

The services and products below have individual terms and conditions. Fees and charges will apply.

Specialist tax advice

Specialist tax advice is key to managing your wealth. We work with leading tax advisers Ernst & Young LLP to provide a full Personal Tax Service. They can help you complete your tax return, make use of your legitimate exemptions, and ensure you pay the right amount of tax, as well as provide insightful expertise on broader and longer-term tax considerations.

Inheritance tax planning

There are a variety  of options to mitigate the impact of Inheritance Tax (IHT). These could include annual tax-exempt gifts, Will writing, setting up a Trust or saving into a child’s pension.

Case study - Reducing your IHT liability by saving into a child’s pension
 Dave and Ann are a married couple in their late sixties. They would like to save for their grandchild’s future using disposable income.

Read more

Trusts

Your Private Banking and Advice Manager and our Trust Specialists can provide guidance on setting up a lifetime trust and appointing the Bank as Trustee to administer it on your behalf. The Bank can also be appointed as Trustee under the terms of your Will.

Will writing

We can introduce you to the law firm Hugh James who provide a specialist Will Writing Service for our clients living in England and Wales or Brodies LLP for clients domiciled in Scotland.

Administering an Estate

When someone dies, administering an Estate can be daunting. Our Estate Administration Service takes the strain, providing you with a  personal service that will manage every facet of the administration.

Our service encompasses advice and support for probate and Estate administration, depending on the circumstances. To talk with a bereavement specialist, please call 0800 056 0171.

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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Book an appointment

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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Speak to us

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.