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Advice for your financial future
From our partners at Schroders Personal Wealth. Book a free consultation with Schroders Personal Wealth and see how their personalised financial plans could help you reach your goals.
Book your free consultation
Is this service right for me
You may be interested in Schroders Personal Wealth’s financial advice if you have or will soon have either:
- At least £100,000 in sole income
Or
- At least £100,000 spread across joint savings, investments and personal pensions
You must also be:
- A UK resident
- At least 18 years of age (product restrictions apply if you’re aged 80+)
Please see the Which services are available? section for more details.
How does it work?
How we can help you
Learn about our services and how they’ve helped others reach their financial goals.
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Plan your retirement
Plan towards your retirement with personalised advice aligned to your goals. And if you're already retired or will be soon, see how you can make the most of the funds you have.
Expert advice can help you to:
- Plan for your retirement
- Optimise income during retirement
- Review existing personal pensions
- Explore how personal pensions could offer tax-efficient savings
It’s not suitable if you:
- Are in a defined pension scheme (also known as a company pension or final salary pension)
How Schroders Personal 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.
Schroders Personal 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.
Please note:
- Identities have been changed to protect customer privacy.
- This story is not reflective of all customer experiences and is based on individual circumstances.
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. -
Protect you and your family
Illness, injury or loss of income can impact you and your family. The right plan can provide support if you ever become ill or injured long-term, lose your income, or pass away.
Your personalised financial plan could help you:
- Find the right protection for you and your loved ones
- Explore any long-term care options
- Enjoy financial peace of mind
How Schroders Personal 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.Schroders Personal 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.Please note:
- Identities have been changed to protect customer privacy.
- This story is not reflective of all customer experiences and is based on individual circumstances.
Protection products have no cash-in value at any time and cover will stop if you aren’t able to pay your premiums. If the policy amount has not been paid out by the end of the selected term, the policy will end and you’ll get nothing back. -
Pass on your wealth
Find ways to secure your family's financial future, including reducing the amount of inheritance tax they might pay. This could let you pass on your wealth in the way you wish.
Your personalised financial plan could help you:
- Pass on your wealth to family or other beneficiaries
- Look for help with inheritance and tax
- Explore options to manage your estate
How Schroders Personal 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.Schroders Personal Wealth had set up a trust for their grandchildren over 7 years ago. This meant it was now outside of their estate and so wouldn't 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.
Schroders Personal 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.Please note:
- Identities have been changed to protect customer privacy.
- This story is not reflective of all customer experiences and is based on individual circumstances.
Tax treatment depends on the individual circumstances of each client and may be subject to change in the future.
Invest in your future
Investing can help you to grow your money in the long term. Whether that’s for early retirement, or to leave some money for your loved ones.
Your personalised financial plan could help you:
- Save towards a specific long-term goal
- Consider investing in addition to savings
- Invest for the first time
- Review your existing investments
It’s not suitable if you:
- Want access to your money now or within the next 5 years
- Are only interested in independent advice
How Schroders Personal Wealth helped Adam and Alisha 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. However, there would be an annual income shortfall from their rental properties.
Schroders Personal 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 provide some growth potential.
Both were happy with the advice and are now well-placed to enjoy their planned retirement to the full.
Please note:
- Identities have been changed to protect customer privacy.
- This story is not reflective of all customer experiences and is based on individual circumstance
The value of investments and the income from them can fall as well as rise and are not guaranteed. The investor might not get back their initial investment. Tax treatment depends on individual circumstances and may change in the future.
Important legal information
Schroders Personal Wealth is a trading name for Scottish Widows Schroder Personal Wealth Limited.
Halifax is a division of Bank of Scotland plc. Bank of Scotland plc, Registered in Scotland No. SC327000. Registered Office: The Mound, Edinburgh, EH1 1YZ. Bank of Scotland plc is 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.