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Expertise for your retirement

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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. Know your options

Deciding how and when to access your retirement pot takes careful planning.

Depending on what you’ve got put away and where, you have a range of options. If it’s in a pension, your choices include taking a tax-free lump sum at age 55 (rising to age 57 in 2028), buying an annuity or taking flexible drawdowns.

2. Create a withdrawal plan

Withdrawing your money is a balancing act. You want it to see you through, but you also want to enjoy your life while you’re fit and healthy.

An adviser can help you build a personal plan that’s tailored to your individual situation, helping you find the right income and drawdown mix to suit your goals, and minimising your tax burden.

3. Think about inheritance

It’s also wise to consider inheritance tax. From April 2027, any unused pension savings left when you die will be considered part of your estate, meaning your family will be taxed on what’s over the threshold.

An adviser can help you understand the impact of this on you and your loved ones, and factor it into your plan.

Have confidence at retirement with our expert financial advice.

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 income

Or 

  • At least £100,000 spread across 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 1,346 reviews as of March 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.