Private banking
A named relationship manager, preferential lending rates where eligible, and priority access to specialist teams for mortgages, treasury, and international banking needs.
Private clients
Wealth management
Dedicated relationship banking for clients with more complex financial lives—combining private banking, estate planning, retirement strategy, and regulated financial advice.
Services for private clients
Estate planning
Structure wealth for future generations with guidance on wills, trusts, and inheritance tax considerations. We work alongside your legal advisers to align banking and investment arrangements.
Retirement planning
Model income needs, pension consolidation, and drawdown strategies to support the lifestyle you want in later life. Regular reviews keep your plan aligned with changing circumstances.
Financial advice
Receive regulated recommendations on investments, protection, and tax-efficient wrappers. Advice is documented clearly, with ongoing reviews to ensure your strategy remains appropriate.
Our approach
We take time to understand what matters to you—family, business, property, philanthropy, or a combination of priorities. Your plan is built around those goals, not a one-size-fits-all product list.
Fees for advice and portfolio management are agreed upfront and reviewed annually. We believe transparency builds trust, and we will always explain how we are remunerated before you proceed.
Arrange a private client introduction
Speak confidentially with our wealth team about your circumstances and how we can support your long-term objectives.
Frequently asked questions
Our wealth management service is designed for individuals and families with investable assets typically above £250,000, or those with complex planning needs such as business exits, inheritance, or multi-generational wealth.
Investing focuses on growing assets through markets. Wealth management takes a broader view—coordinating banking, investments, tax-efficient structures, estate planning, and lifestyle goals with a dedicated relationship manager.
Yes. Where advice is provided, it is given by Lloyd Merchant Bank advisers authorised and regulated by the Financial Conduct Authority. Advice is based on a full assessment of your circumstances, objectives, and risk tolerance.
Contact our private client team to arrange an introductory meeting. We will discuss your needs, outline service levels and fees, and confirm whether our proposition is a good fit before onboarding.
Related information
Discuss your wealth plan
Our private client team offers discreet, UK-based support for banking, investments, and long-term financial planning.