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Advice for building a stable tomorrow

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Halifax, in partnership with Shroders Personal Wealth

 

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Benefits of advice

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Actions for your financial future

1. Think what you'll need

Life’s busy and it’s all too easy to put retirement plans on the back burner. But these are the years that could make a real difference to your lifestyle later on.

Advice can help you sense check what you’ve put aside so far and see if you’re on track to achieve your long-term goals.

2. Factor in your timescales

Much relies on your timescales. If you’re hoping to retire early, you’ll need to have more put away.

You’ll also want an investment strategy that suits your timeframe, as well as an idea for when and how you want to access your money.

3. Give your plans a boost

With time on your side, there’s plenty you can do to boost your retirement savings.

If you’ve a range of assets, it’s worth reviewing if the mix is still right. You could also consider bringing old pension pots together and maximising your pension contributions.

Expert financial advice can help you reach your retirement goals.

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 protecting 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.