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.

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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.

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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.
 

Book your consultation

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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.

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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.

  • 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.
     

    What you'll get with ongoing support

    When you choose ongoing pension management services from Schroder Personal Wealth, you'll benefit from:

    • Professional service from a dedicated wealth adviser.
    • Regular expert reviews of your pension plan
    • Personal advice in case your  circumstances change.

     

    Regular expert reviews of your pension plan

    Your pension plan will include recommendations around how much to save, which financial products may be suitable and where to invest.

    A wealth advisor will explain all the services, fees and charges you may pay - including those from third-party products.

    Your adviser will present a personalised pension plan. If you're happy to proceed, your plan will be implemented.

    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.

  • 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

    Your own specialist adviser

    If you decide to proceed with wealth management advice from Schroders Personal Wealth, you'll be matched with a wealth adviser to help guide your retirement planning.

    The adviser will support you every step of the way, from investing your assets to helping you try to achieve a stronger retirement income.

     

    Guide you through financial turbulence

    Investements and pensions can be affected by external factors. Through our partnership with Schroders Personal Wealth, experienced advisers can help ensure your plans are agile and prepared for any market turbulence. Day-to-day portfolio management is managed by the investment team within Schroders Personal Wealth.

    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.

  • 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

    What is inheritance tax?

    Inheritance tax is the levy charged on any part of your estate that exceeds your personal allowance (also known as the nil-rate band).

    Currently, the personal allowance limit is fixed at £325,000. Anything above this amount is taxed at 40%.

    Typically, inheritance tax should be paid when an estate is passed on after death.

    Find more information about inheritance tax

    What is inheritance tax planning?

    Inheritance tax planning is a service that enables you to preserve and protect the assets you have worked hard to build up. This means reviewing tax efficient ways to pass on your assets or distribute your wealth whilst you’re alive.

    Schroders Personal Wealth advisers can share a variety of possible solutions with you , advising you how to pass on your wealth tax efficiently to your loved ones.
     

    How does inheritance tax planning work?

    You’ll work closely with an adviser from Schroders Personal Wealth, who can also introduce specialists to help with will writing and trust creation.

    By developing an in-depth understanding of your personal circumstances and conducting expert analysis, advisers from Schroders Personal Wealth can create a financial plan for passing on your wealth in a tax-efficient way.

    The Financial Conduct Authority (FCA) do not regulate will writing, tax planning and trusts.

    Why plan for inheritance tax?

    Using our inheritance tax planning service, you can:

    • Try to ensure your beneficiaries receive the highest benefit from your estate and wealth.
    • Potentially reduce the tax bill your beneficiaries will pay on the wealth they inherit from you.

    Careful planning goes a long way in helping you manage your inheritance tax position, so you can potentially increase the amount your beneficiaries will receive.
     

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

  • 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:
     

    Life assurance

    Life assurance is a type of insurance that pays out a lump sum if the policyholder passes away.

    Long-term care

    Long-term care insurance is a product that can help pay for the costs associated with long-term care later in life. This can be expensive – you may need to use your savings or help from family to cover it. 

    Critical illness cover

    Critical illness cover protects your finances if you’re diagnosed with a medical condition or suffer a physical disability that’s covered by your insurance policy.

    If you cannot work due to illness during the term of your policy, you’ll receive a pay-out of an agreed amount. You may be able to claim more than once, during the term of the policy depending on the details of the policy you’ve taken out.

    Income protection

    Income protection is a type of insurance that pays out a tax-free replacement income if you are unable to work due to ill health or injury.

    The percentage of your normal income that will be paid out in the event you can’t work will be determined by the level of cover you take out.

     

    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.

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.

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How can an investment adviser help you?

Through our partnership, you could access investment management expertise from across the fund management industry, including:
 

Individual Savings Accounts (ISAs)

Savings and investments can be paid into an ISA without the need to pay tax on interest/gains and no income tax on dividends.  How much you can pay in is capped by the annual ISA allowance.

General Investments Accounts (GIAs)

Simple investment accounts which do not carry the tax benefits of some other types of account. There is no limit on how much you pay in.
 

Investment bonds

An investment bond is a product purchased from a life insurance company, which can be used to access tax benefits. 
 

Self-Invested Personal Pension (SIPPs)

A SIPP operates like a standard pension, but with greater freedom in the type of investments you can hold.

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

Ready to find out more?

Specialist financial advice could help secure future for you and your family. It all starts with a free, no obligation conversation with the Schroders Personal Wealth welcome team.

Book your consultation

Or call us now on 0808 167 4243

Lines are open Monday to Friday, 9am-5pm, excluding bank holidays. Calls may be monitored and/or recorded. Call costs may vary depending on your service provider.

Advice made for you

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).