Your trusted financial partner Agriculture
At the heart of every successful farming enterprise is a strong, well-coordinated support team.
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At the heart of every successful farming enterprise is a strong, well-coordinated support team.
Our aim is to work collaboratively with you and your other professional advisers to help you ensure your financial plans are well-coordinated and aligned across key areas such as tax, legal, and financial.
Financial peace of mind means different things to us at each stage of our lives.
None of us know what the future has in store for us. If anything did happen to you, how would you like your wealth to be looked after and managed? Things you might want to ask yourself:
Farming is more than just a business—it’s a legacy, a lifestyle, and often the life’s work of multiple generations.
We’re here to support you with advice that’s grounded in a deep understanding of the agricultural world. Depending on your circumstances and plans for the future, you may need to speak with your solicitor first to structure your business and assets in the most effective way. We are then on hand to help take forward your financial plan.
Big-picture thinking for multi-generational success. Our advice is tailored to your long-term goals and the unique challenges and opportunities you face— whether that’s supporting the next generation or aiming to build wealth outside of agriculture.
Your first call will be with a dedicated Personal Wealth Adviser. The conversation will focus on understanding your current situation, your dreams for the future, and what you hope to achieve with your wealth.
Planning for life beyond the farm gate—without stepping away from it. Whether you’re looking to reduce your day-to-day involvement or gradually pass responsibilities to the next generation, your planning can help you structure your income and assets in a way that supports your evolving role.
Making your capital work harder. We’ll help you assess opportunities, working alongside your accountant and solicitor to support smart decisions that balance reinvestment in the farm with broader investment options.
Making the most of what you’ve worked hard for. By working closely with your other trusted advisers, we can ensure that our financial plan works successfully with your wider arrangements. That way you can navigate inheritance tax, agricultural and business property relief and capital gains tax. Keep in mind that tax treatment varies by individual and may change over time.
Passing on the farm, not the stress. Your financial plan is a crucial piece of the puzzle giving you peace of mind when planning for a smooth transition to the next generation.
Note: While we don’t offer lending directly, we work closely with Lloyds Bank or Bank of Scotland Agricultural Managers, to help you access the right support when needed. It’s important to remember that investments carry risk, and returns aren’t guaranteed.
The next meeting will focus on developing a deeper understanding of you and your aims for the future. Your Personal Wealth Adviser will explain everything in simple terms and can create a visual timeline of what your financial future could look like.
Your adviser will present your plan and their recommendations on a follow-up call. Before presenting the plan they will recap your previous discussion and double check that your situation hasn’t changed.
When you’re happy with your financial plan we can start putting it into action. You’ll be given a login and password for the Lloyds Wealth app. This is a secure web and/or mobile application where you can view the value of your investments, access important documents, and view your advice team contact details.