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Customer stories

See how we've been helping customers achieve their goals.

  • How Lloyds Wealth helped Alisha and Adam 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. But, there would be an annual income shortfall from their rental properties.

    Lloyds 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 give some growth potential.

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

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

  • How Lloyds 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.

    Lloyds 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.

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

  • How Lloyds 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.

    Lloyds 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.

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

  • How Lloyds 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.

    Lloyds 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.

    Lloyds 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 2 years’ worth of their combined salaries going to the children.

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

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Important legal information

Lloyds and Lloyds Wealth are trading names of Lloyds Wealth Management Limited. Registered office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales No. 11722983. Authorised and regulated by the Financial Conduct Authority under registration number 830170.