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Wealth Management

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Plan your retirement

If retirement is still some way off, Schroders Personal Wealth could help you create a flexible and personal plan. If you're retired already or will be soon, they could help you to make more of the potential funds you have.

Receiving expert advice can help to:

Start or consolidate existing pensions
Establish your retirement strategy and plan when and how much income to take from your pension
Review the role of your wider savings and investments.
Set an appropriate risk/return profile for any investments made.

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.

Did you know?

44% of retired people rely on the state pension as their main source of income¹. Smart planning can help you enjoy this stage of your life.

¹Source: FCA Research

Could you manage on £175.20 a week?

Through our partnership with Schroders Personal Wealth, we want to give more of our customers access to financial and investment expertise, to help give you the chance to choose what your financial future looks like.

If you have at least £100,000 in sole annual income, or £100,000 spread across sole or joint savings, investments and personal pensions, they could help you.

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

How Schroders Personal Wealth can help you plan your retirement:

Expert advice

Schroders Personal Wealth can offer you expert advice tailored to your goals and individual circumstances to support you with managing your retirement income. They can advise on:

Strategy; enabling you to aim to retire when you want and achieve the lifestyle you’re looking for.
Annuities; planning when to take them to help you achieve your future financial goals.
Savings and investments; review your savings and investments to see how they could improve 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 an adviser to help guide your retirement planning.

With on-going advice, a personal wealth adviser will support you every step of the way, from investing your assets to helping you try to achieve a stronger retirement income. While one-off advice could help to get your retirement plan set-up.

Guide you through financial turbulence

Investments and pensions can be affected by external factors. Through our partnership with Schroders Personal Wealth, experienced advisers can help to 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

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.

Or call us on: 0131 376 1815

Lines are open Monday to Friday, 9am–6pm and Saturday 9am – 1pm, excluding bank holidays.
Calls may be monitored and/or recorded. Call costs may vary depending on your service provider.

David Parry, Personal Wealth Adviser

“It’s important to look ahead to your retirement income and to know how much you’ll need to enjoy the lifestyle you’re looking for. Advice and management can help you understand your options and could mean your money goes further.”

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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.

Customer testimonials

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See how these two customers are taking control of their finances, now and for the long term.

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.

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