Financial advice

Getting a clear view of your finances is not always easy. As a client of Bank of Scotland Private Banking you have access to advice built on years of experience, combined with a personal service.

Become a client

Talk to us about how our expert service can help you with your aspirations and goals.

For access to advice from a Private Banking and Advice Manager, you’ll need at least £250,000 in savings, investments and/or personal pensions and/or a sole annual income of at least £250,000.

Before we provide you with any services or products, we will explain and agree with you what advice can be given, the products and services this advice covers and any charges that will apply.

We’ll help you to see the whole picture, simplifying the process of planning ahead and aiming to maximise your wealth.

That’s why our professional advice aims to play a vital role in helping you meet your financial goals. Our Private Banking and Advice Managers can develop a plan designed to help meet your needs and adapted to reflect changes in your personal circumstances. By giving you the advice and information you need to make knowledgeable decisions, we aim to help you enjoy the lifestyle that you really want, with the flexibility to adapt to whatever the future may hold.

Our Private Banking and Advice Managers offer advice, where appropriate, on a restricted range of solutions and depending on the solutions identified for you these may be carefully chosen products from across Lloyds Banking Group or from a number of well-established product providers in the marketplace. You can rest assured that we will only recommend solutions after fully considering your objectives and circumstances.

Our products have individual terms and conditions. Fees and charges may apply.

Before we provide you with any services or products, we will explain and agree with you what advice can be given, the products and services this advice covers and any charges that will apply.

Advised services are provided by Bank of Scotland plc or Lloyds Bank plc dependent upon the nature of the advice. Our recommendations will be based on our understanding of your personal circumstances and plans at the time that we provide you with advice. For Advised services, we will advise and make a recommendation for you after we have assessed your needs. We only offer selected products from a limited number of companies. You can find out more about adviser fee charging and professional standards by visiting the FCA.

Non-advised services are provided by Bank of Scotland plc in relation to banking, savings and lending products. For non-advised services, you will not receive advice or a recommendation from us and you will need to make your own choice about how to proceed.

The value of investments and the income from them may fall as well as rise and investors may not get back the amount originally invested.

Our professional advice covers a number of areas of wealth management, including:

A comprehensive financial plan

Your Private Banking and Advice Manager, supported by our specialist advisers, will help you keep your financial plan on track. They will help adapt your plan to meet changes in your life and financial circumstances.

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Tax advice

We are working together with Ernst and Young LLP, leading tax specialists, to offer a Personal Tax Service, from completing your annual return to advising on more complex tax requirements.

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Preparing for retirement

In planning for retirement we can review any existing arrangements you may have and help put new plans in place. When it comes to accessing your pension savings, we can talk to you about the options available.

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Investment advice

Our specialist advisers will help you put an investment plan in place which has been developed to help meet your needs and the level of risk you want to take. They can help you keep your investments organised efficiently if you don’t have the time, or confidence, to do this yourself.

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