Financial Planning

In partnership with Shroders personal wealth logo

Wealth means something different to everyone. Whatever you’re looking to do, expert advice could help you. Through our partnership with Schroders Personal Wealth, we want to give more of our customers access to financial and investment expertise, to help you choose what your financial future looks like.

To benefit from the expertise of Schroders Personal Wealth, you will need to have at least:

  • £100,000 of sole/joint savings, investments and/or personal pensions; and/or
  • £100,000 of sole annual income.

Fees/Charges will apply if you take out a product or service.

Book an appointment


All it takes is a free fifteen minute conversation, to find out if advice is best for you, with no obligation to take things further.

Book now

 


Call us on: 0345 366 2727 

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.

Calls may be monitored and/or recorded. Call costs may vary depending on your service provider.

Your steps towards tailored financial advice and a potentially brighter future

Step 1: Arrange a meeting


Once you’ve requested an appointment, you will be contacted by Schroders Personal Wealth who will arrange a first meeting with a Wealth Adviser at a time convenient to you.

Book now

Step 2: Tell us your goals

A dedicated Schroders Personal Wealth Adviser will ask about your individual financial circumstances and your goals. They’ll talk about how they could help you try to achieve them.

The meeting incurs no charge and you are not obligated to take things further.

The Schroders Wealth Advisor will run through the fees and charges for the products and services suited to you.

Step 3: Build a plan

If you decide to take out products and services, your Personal Wealth Adviser will start to create a financial plan based on your goals..

Fees/Charges will apply if you take out a product or service.

How can expert advice help you?

Here are some of the examples of how Schroders Personal Wealth service can help you.

Investments

Schroders Personal Wealth will aim to help you make the best move to bring your plans to life. They will present the different ways you may be able to grow your savings with a plan to suit your goals and the level of risk you're willing to take.

Please note that the value of investments and any income from them can go down as well as up and you may not get back the amount invested.

Preparing for Retirement

Now is the time to start planning to make sure that when you decide to work less, you are financially prepared to maintain your future lifestyle. Schroders Personal Wealth will look to evaluate a number of things, such as your current pension payments or review the debt you may hold by the time you retire and how it will be covered. They can also discuss if your current plans require any changes to help you try to reach that goal.

Pensions are a long term investment, the money you pay into a pension is invested and investments can go down as well as up, which means you could get back less than you invested.

Inheritance Tax help

Through inheritance tax, 40% of the estate you plan to leave to your family could be liable, over the £325k threshold. And this is a tax that with the correct planning and assessment could be reduced. Schroders Personal Wealth Advisers can share a variety of possible solutions with you. These could range from reviewing the best way in which you can pass on your assets, to how you can distribute your wealth while you’re alive. Having these discussions will be beneficial to your family.

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

Financial Protection for my family

Keeping your family protected if anything unexpected happens should be something to keep in mind. Finding the most efficient coverage considering every detail of your situation is something the Schroders Personal Wealth team can help you with. Schroders Personal Wealth Adviser can make this protection tailored for you and your family so it’s as comprehensive as possible.

Need more information:

Take a look at our FAQs

Lets talk

All it takes is a free fifteen minute conversation, to find out if advice is best for you, with no obligation to take things further.

Book now

Call us on: 0345 366 2727

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. Calls may be monitored and/or recorded. Call costs may vary depending on your service provider.

Important legal information

Schroders Personal Wealth is a trading name for Scottish Widows Schroder Personal Wealth Limited.

Bank of Scotland plc. Registered in Scotland No. SC327000. Registered Office: The Mound, Edinburgh EH1 1YZ. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 169628.

Eligible investments are protected by the Financial Services Compensation scheme (FSCS). We are covered by the Financial Ombudsman Service.