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                    <strong>Wealth Management</strong></h3>
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                            <li><strong>
                            We want to help you make the most of your money. Specialist financial advice could help build a secure future for you and your family. It all starts with a free, no obligation chat. Then a financial plan that is tailored to you.

                            </strong><br>Your initial consultation and proposed plan is free, but fees and charges will apply if you take out a product or service. There’s no obligation to take things further. </li>

                            <li><strong>Whatever your plans, the right advice could help bring them to life.</strong>

                            <br>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.<br>

                        <b>Book an appointment</b>
                        <br>
                         Schroders Personal Wealth will then contact you to set up a call with a wealth adviser at a time that suits you.
                        <br>
                        <b>Tell us your goals</b>
                        <br>
                        An adviser will ask about your finances and your long term goals. They'll use this to create a personal financial plan for you.
                        <br>


                        <b>Review your plan</b>
                        <br>
                        When you have your financial plan, you can decide if you'd like to take up any of the options presented in it.
                        <br>
                        Fees and charges will apply if you decide to take out a product or a service.


                        <br>
                        <br>
                       <b>Protecting yourself and your family</b>
                        <br>
                        Financial protection has never been so important.
 
Your personal financial plan should include making sure you’re protected if you were to become seriously ill or injured, lose your income, or even your life. Half of customers with protection insurance say they choose to take it out for peace of mind.
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Schroders Personal Wealth can help you navigate your options with the aim of ensuring you get the right protection for your individual needs and cover what’s important to you. And we don’t take commission for getting you and your family protected so you’ll only pay the amount it costs for the insurer to cover you.





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                <li><strong>Investing for your future</strong><br>

                            Research shows that getting the right advice could increase your wealth by £47,000 over a decade1. Make sure your money is working as hard as you are.
 
                            Access expert investment management services and financial products tailored to your risk appetite.
 
                            Remember that the value of investments and any income from them can go down as well as up. You may not get back the amount you invest.</li>


                            <li><strong>Pass on your wealth<br></strong>Your estate could be subject to 40% inheritance tax, over the £325,000 threshold. Forward planning can help make sure it’s your loved ones who benefit most in your will.
 
                            Making arrangements for passing on your wealth in a tax-efficient manner is a matter of great importance to many people. Expertise from a wealth adviser could help you pass on your wealth more effectively.</li>

                            <li><strong>Plan your retirement&nbsp;</strong>Could you manage on £175.20 a week? 44% of retired people rely on the state pension as their main source of income2. Smart planning can help you enjoy this stage of your life.
 
                            Planning for your retirement can help you achieve the lifestyle you want, as you enter this next stage in your life. Schroders Personal Wealth will evaluate areas such as your current pension payments and create a strategy to try to help you achieve the savings and retirement income you’re looking for.
 
                            Schroders Personal Wealth do not advise on defined benefit pensions but can advise on other workplace pensions. Speak to an adviser to find out how they can help you with your pension needs.</li><strong> 

                            </li>



                   <li><strong>Book a consultation&nbsp;
                    <br><br>

                  If you have a question and would like to speak to someone in the Schroders Personal Wealth team, you can 
                   📞 call: <?php echo $telphone; ?>
                   Lines are open Monday to Friday, 9am-5pm, excluding bank holidays. Calls may be monitored and recorded. Call costs may vary depending on your service provider.
                   <br>
                
 
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