Is this service right for me?

You may be interested in Schroders Personal Wealth’s financial advice if you have or will soon have either:

  • At least £100,000 in sole income

Or

  • At least £100,000 spread across joint savings, investments, and personal pensions

You must also be:

  • A UK resident
  • At least 18 years of age (product restrictions apply if you’re aged 80+)

Please see the Which services are available? section for more details.

Benefits of financial advice

  • Expert opinions 
    Speak directly with financial experts, who are ready to support you with your financial goals.
  • Tailored support
    Receive a personalised financial plan built around you and where you want to be in the future.
  • Trusted partnership
    Be supported by Schroders Personal Wealth, who have over 400 years’ worth of industry experience.

 

Lloyds Bank will only share your information with Schroders Personal Wealth if you book a consultation.

Find out more about the services

How does it work?

Book a free consultation

Speak with a consultant from Schroders Personal Wealth. They’ll tell you more about how they can help, ask about your financial goals, and then match you to a specialist adviser.

Talk to an adviser

After your free consultation, you’ll discuss your current circumstances and future goals in detail with a financial adviser. They’ll take the time to understand your needs when you have any meetings.

Get a personalised plan

This will be based on a full review of where you are, and where you want to be. This includes product and service recommendations.

Fees and charges will apply

Hear more about Schroders Personal Wealth

Schroders Personal Wealth is a financial advice company, formed in partnership between Lloyds and Schroders.

Their team of financial advisers can review your current savings and investments, offering personalised financial plans based on your goals.

Watch the video and see how Schroders Personal Wealth’s financial advisers can support your financial needs.

Customer testimonials

  


How we can help you

Learn about our services and how they’ve helped others reach their financial goals.

  • Plan your retirement

    Plan towards your retirement with personalised advice aligned to your goals. And if you're already retired or will be soon, see how you can make the most of the funds you have.
     

    Man at the steering wheel

    Expert advice can help you to:

    • Plan for your retirement
    • Optimise income during retirement
    • Review existing personal pensions
    • Explore how personal pensions could offer tax-efficient savings

    It’s not suitable if you: 

    • Are in a defined pension scheme (also known as a company pension or final salary pension)

    How Schroders Personal Wealth helped Graham and Tracy plan their retirement 
     

    A couple in their mid-50s, both working professionals, were looking to retire early and maintain a comfortable lifestyle. They didn’t know if this was financially viable. 

    Graham’s workplace pension didn’t suit his needs. Plus, his private pension held high-risk investments.

    Schroders Personal Wealth helped consolidate his pensions into a Self-Invested Personalised Pension (SIPP), with Tracy’s final salary pension scheme left untouched.

    Now retired, the couple feel happier about their financial prospects. Their financial position is regularly reviewed, and they receive ongoing advice.

    Please note:

    • Identities have been changed to protect customer privacy.
    • This story is not reflective of all customer experiences, and is based on individual circumstances.

     

    Pensions are a long-term investment. The retirement benefits you receive from your pension account will depend on a number of factors including the value of your account when you decide to take your benefits which isn't guaranteed and can go down as well as up. The value of your account could fall below the amount(s) paid in.

  • Protect you and your family

     

    Hand holding a small baby

    Illness, injury or loss of income can impact you and your family.  The right plan can provide support if you ever become ill or injured long-term, lose your income, or pass away.

    Your personalised financial plan could help you:

    • Find the right protection for you and your loved ones
    • Explore any long-term care options
    • Enjoy financial peace of mind

    How Schroders Personal Wealth helped David protect his family
     

    David, a retired engineer, was looking to pass on his inheritance in a tax-efficient manner. He was also looking to support his niece and nephew with further education fees.

    Schroders Personal Wealth noted that to meet these plans, David would need to reduce his portfolio, especially with regards to his inheritance tax liability. After some consideration, a trust fund was set up for the children.

    This provided the necessary financial support, and addressed David’s tax liability.

    Please note:

    • Identities have been changed to protect customer privacy.
    • This story is not reflective of all customer experiences, and is based on individual circumstances.

    Protection products have no cash-in value at any time and cover will stop if you aren’t able to pay your premiums. If the policy amount has not been paid out by the end of the selected term, the policy will end and you’ll get nothing back.

  • Pass on your wealth
     

    Lakeside setting of mother with teenage child

    Find ways to secure your family's financial future, including reducing the amount of inheritance tax they might pay. This could let you pass on your wealth in the way you wish.

    Your personalised financial plan could help you:

    • Pass on your wealth to family or other beneficiaries
    • Look for help with inheritance and tax
    • Explore options to manage your estate

    How Schroders Personal Wealth helped Stephen and Linda pass on their wealth
     

    Retired professionals, Stephen and Linda, were looking to pass on the proceeds of their estate to their grandchildren as tax-efficiently as possible.

    Schroders Personal Wealth had set up a trust for their grandchildren over 7 years ago. This meant it was now outside of their estate and so would not be subject to inheritance tax (IHT) rules.

    Their investment portfolio had since grown and was now subject to IHT in the event of their passing. This meant their estate wasn’t that tax efficient.

    Schroders Personal Wealth helped the couple create a new trust for their grandchildren. They were still above the tax threshold, so moved some of their money into the new trust. This prevented a new tax liability arising due to potential future investment growth.

    This gave Stephen and Linda the peace of mind that their grandchildren could benefit without having to change their will. This equated to around two years’ worth of their combined salaries going to the children.

    Please note:

    • Identities have been changed to protect customer privacy.
    • This story is not reflective of all customer experiences, and is based on individual circumstances.

    Tax treatment depends on the individual circumstances of each client and may be subject to change in the future.

Invest in your future

Investing can help you to grow your money in the long term. Whether that’s for early retirement, or to leave some money for your loved ones.
 

Young couple looking at investment options

Your personalised financial plan could help you:

  • Save towards a specific long-term goal
  • Consider investing in addition to savings
  • Invest for the first time
  • Review your existing investments

It’s not suitable if you:

  • Want access to your money now or within the next five years
  • Are only interested in independent advice

How Schroders Personal Wealth helped Adam and Alisha invest for their future
 

A married couple in their mid-40s had sold their business and bought a third buy-to-let property. They were looking to take early retirement, using their rental properties as income.

The couple wished to maintain their basic, discretionary and luxury spending. However, there would be an annual income shortfall from their rental properties.

Schroders Personal Wealth suggested they purchase an investment bond. This meant they could draw up to 5% of the original investment amount each year for the next 20 years.

 

This covered their income shortfall until their State Pension age while still looking to provide some growth potential.

Both were happy with the advice and are now well-placed to enjoy their planned retirement to the full.

Please note:

  • Identities have been changed to protect customer privacy
  • This story is not reflective of all customer experiences, and is based on individual circumstance


The value of investments and the income from them can fall as well as rise and are not guaranteed. The investor might not get back their initial investment. Tax treatment depends on individual circumstances and may change in the future.


  

How much does it cost?

Schroders Personal Wealth specialist advisers provide all customers with a free personalised financial plan.

Charges will then only apply if you choose to take out a product or service. The amount will vary depending on the type of advice you choose.

More about fees and charges 

Ready to get started?

Book in your free consultation today and begin building your new financial plan with Schroders Personal Wealth.

They can talk with you over the phone, or online or in person by request.

If you have any questions or would like to speak to Schroders Personal Wealth, please call 0808 167 4282

If you’re unsure where to begin or need more information about what to expect, please read these common questions.
 

Book your consultation

Important legal information

Your call may be monitored or recorded. This is to help understand what you've asked for and help make the service better for all customers. Call costs may vary depending on your service provider.

Lloyds Bank plc Registered Office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales No.2065. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 119278.

Schroders Personal Wealth is a trading name for Scottish Widows Schroder Personal Wealth Limited. Registered Office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales No 11722983. Authorised and regulated by the Financial Conduct Authority.