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Advice for building a stable tomorrow

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Benefits of advice

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Actions for your financial future

1. Make your plan

It can take a lifetime to save for a comfortable retirement. But, according to research by Scottish Widows, 39% of people are at risk of not covering their basic needs in retirement.

Getting advice early can help you plan ahead to make the most of your money.

2. Start saving young

It’s easier to reach your goals when you’ve time on your side.

Whether your plan is to invest in a pension or into other assets like property, the sooner you start saving and the longer your money is invested, the more chance it has to grow.

3. Maximise your tax benefits

A pension can be a powerful way to save for retirement because you get tax relief on your contributions up to an annual allowance. This means it costs you less to save, and over time the compounding effect can really add up.

It's never too early to start planning your retirement, and expert financial advice can help you get ahead. 

Source: Scottish Widows Retirement Report 2025 (PDF, 2.7MB)

The value of investments, and the income from them, can fall as well as rise and you may get back less than you invest. Investing for five or more years helps reduce the impact of market changes over time. Tax treatment depends on individual circumstances and may change in the future.

Benefits of financial advice

A financial plan made for you

Schroders Personal Wealth Advisers take the time to understand your financial situation and goals to create a plan built around you.

A helping hand to invest

Benefit from Schroders Personal Wealth’s knowledge and experience, to help your money work harder in the long term.

Holistic financial advice

It’s not all about investing. From financial protection to protect you and your loved ones, ways you can save on tax and early retirement planning. Find out how expert advice can help you.

Dedicated human support

You can have an ongoing relationship with an Adviser as much as you need it. With regular reviews to keep your financial plan on track as your life and goals evolve.

Are you eligible for financial advice?

If you are interested in Schroders Personal wealth and the services they provide you will need to meet the below criteria:

  • At least £100,000 in sole annual income.

Or 

  • At least £100,000 spread across sole or joint savings, investments or personal pensions.

You must also be:

  • A UK resident - You must be lawfully and permanently living in the UK for 183 days or more over a tax year.
  • At least the age of 18 years of age (product restrictions apply if you are above the age of 80)

Fees and charges will apply if you take out a product or service.

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Schroders Personal Wealth has been rated 'Excellent' based on the quality of service they provide.

Rated 4.8/5 on Trustpilot.

Based on 1,461 reviews as of June 2025.

 

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.