Reasons you might seek advice

Getting professional financial advice can help you to make a knowledgeable decision. Your Private Banking and Advice Manager will work closely with you to understand your needs and will develop your personal financial plan.

Once we have formed a clear picture of you, your life and your goals, we can provide access to solutions to suit your individual situation.

Here are some of the reasons why it may be important to seek the right advice at the right time:

Selecting products

Where appropriate, we can give you the advice and the information you need to make knowledgeable decisions. We aim to help you enjoy the lifestyle that you really want and adapt to whatever the future holds.

Selecting an investment strategy that isn't 'future proof'

Choices that are right for you today may not be in the future. You need a plan that is flexible enough to provide support when life changes.

Not having enough time to manage your finances

Investment products, pensions and tax wrappers are becoming increasingly complex. Managing these yourself can require a considerable amount of your time.

Not understanding your own willingness to take risk or your capacity for loss

It can be hard to objectively assess your own attitude to risk and see the overall financial plan yourself.

All of our Private Banking and Advice Managers hold a Statement of Professional Standing with a recognised professional body, giving you the reassurance that they have obtained and adhere to industry-recognised professional, educational and ethical standards.

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.

Fees and charges may apply to products and services.


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.

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.