Wealth Management
We want to help you make the most of your money.
Specialist financial advice could help build a secure future for you and your family.
It all starts with a free, no obligation chat. Then a financial plan that is tailored to you.
In partnership with Schroders Personal Wealth
No obligation to take things further. Fees/Charges will apply if you take out a product or service.
It all starts with a financial plan, to help bring your goals to life.
A partnership you can trust
A financial advice company backed by 400 years' of experience, Schroders Personal Wealth is a joint venture between Lloyds Bank and Schroders. As part of the service provided by Schroders Personal Wealth you’ll receive a personalised financial plan, based on your current needs and future goals. Your adviser will appraise your existing savings and investments, and suggest other tax-efficient options that could work for you.
Lloyds Bank will not share any information with Schroders Personal Wealth unless you give your express permission.
Making the most out of your money
It all starts with a free, no obligation consultation to understand if the service is right for you. You’ll only start to pay for the service if you decide to take forward the recommendations they present to you in your personalised financial plan.
Who can use this service
If you have at least £100,000 in sole annual income, or £100,000 spread across joint savings, investments and personal pensions, Schroders Personal wealth could help you make the most out of your money.
Step 1 – your initial consultation
Book a consultation with a member of the Schroders Personal Wealth team, who’ll tell you more about the service, ask about your financial needs and goals, then match you to a specialist adviser.
Step 2 – your adviser appointment
Meet with your Schroders Personal Wealth adviser to discuss your current circumstances and future goals in detail. The aim is to get to know you, and tailor the service to meet your individual needs.
Step 3 – get a personalised plan
Your adviser will create a personalised financial plan, based on a full review of where you are, and where you want to be. It will include recommendations on products and services which will aim to help.
Fees and charges will apply if you decide to take out a product or service.
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Pension planning advice
Using expert advice to help plan your pension could help you to achieve greater financial freedom when you decide to stop working.
Through our partnership with Schroders Personal Wealth, you could access expertise and advice on planning your pension.
Expert advice can help you to:
- Start a pension.
- Consolidate your existing pension plans.
- Review the role of your wider savings and investments.
- Set an appropriate risk/return profile for any investments made.
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Why seek pension advice?
Ongoing pensions advice from a wealth adviser could help you navigate the investments, savings and financial products you may need to ensure a comfortable retirement.
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.
- Start a pension.
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Advice for managing your retirement income
Managing your retirement income can help make sure you have enough money to enjoy the next stage of your life in financial comfort.
Recieveing expert advice about managing your retirement income can help you:
- Establish your strategy for retirement.
- Plan when and how much income to take from your pension.
- Set an appropriate risk/return profile for any investments or financial products.
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Why take advice to manage your retirement income
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.
Pricing & FAQ
- Establish your strategy for retirement.
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Inheritance tax and estate planning
Inheritance tax and estate planning helps you pass on your assets to your family, or other beneficiaries, in a tax-efficient manner.
Through our partnership with Schroders Personal Wealth, you can access personalised recommendations on creating a tax-efficient will and receive help with inheritance tax planning.Tax can be a complex topic, and it’s reassuring to know that there are a range of different experts at Schroders Personal Wealth that can help with your individual circumstances.
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Planning ahead
Tax treatment depends on the individual circumstances of each client and may be subject to change in the future.
More reading
Pricing & FAQ
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Protection that meets your needs
Making sure you have the right protection for you and your loved ones can give you peace of mind, should the unexpected happen. Schroders Personal Wealth can advise on a range of protection policies, so you can cover what’s important. They won’t take commission for getting you protected.
No one knows what’s round the corner: illness, injury or loss of income. From life insurance to critical illness cover and more, Schroders Personal Wealth can help you look at what’s right for you, should the need arise.
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Protection policies
By ensuring you have adequate provisions in place, you can protect your financial future and that of those closest to you. Below are examples of protection policies:
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.
Pricing & FAQ
Your financial goals
Find out how investment management could help you achieve your financial goals.
Through our partnership with Schroders Personal Wealth, you can access a range of investment products and services to help you grow your wealth and generate additional income.
How can an investment adviser help you?
Through our partnership, you could access investment management expertise from across the fund management industry, including:
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.
Non-advice Investments options.
Prefer not to use the Schroders Personal Wealth service but still want to invest?
Take a look at the Non-advice Lloyds Bank Investment accounts
Advice made for you
Watch this short video to see how Schroders Personal Wealth can work with you towards your financial goals.
Important legal information
Lloyds Bank plc. Registered office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales No. 2065. Lloyds Bank plc is 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.
Eligible deposits with us are protected by the Financial Services Compensation Scheme (FSCS). We are covered by the Financial Ombudsman Service (FOS).