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Prepare for your future with Premier financial planning

Take the next step in your journey with Premier financial planning. Our experts provide tailored advice to help you work towards your financial goals.

Eligibility criteria, and on-going product fees or charges may apply. All our investment solutions are managed by Coutts. All advice and recommendations will be restricted to investment and protection products on the panel of products available to the financial planner. 

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What is financial planning? Open in new window
Looking for investment advice? Open in new window
Our Premier financial planning service Open in new window
Who’s eligible for Premier financial planning advice? Open in new window
Get in touch Open in new window
Premier Perspectives Open in new window
Financial planning- frequently asked questions Open in new window
A NatWest Premier financial planning customer plays with her daughter during Chinese new year

What is financial planning?

Creating a financial plan is all about helping you reach your money goals in a way that feels right for you. This plan will consider any bumps you might encounter along the way and aim to make the most of your funds.

Think of it as setting the stage for your financial future, with experts looking for ways to save you money and maximise your resources.

A financial plan is tailored to your personal ambitions and covers various aspects such as:

Short and long-term budgeting

Building and boosting your savings

Saving for important life events like purchasing a home

Inheritance and estate management

Pension and retirement planning

Investing to grow or maintain your money

With professional financial planning, you could confidently navigate your financial journey, knowing each step is aligned with your dreams and goals.

The value of investments can fall as well as rise, and you may not get back the full amount you invest. Eligibility criteria, fees and charges apply.

What are the benefits of financial planning?

Our specialist financial planning advice is available for a one-off fee of £7,000 plus VAT, no matter how complex your needs. Please be aware that ongoing product and management fees may apply, depending on your chosen investments. 

Strengthen financially

Creating a financial plan isn’t just going through the motions, it’s about making strategic choices and even building better habits. Learn the skills you need to plan for the future and manage your wealth.

Set clear money goals

Financial planning can help you get to grips with short and long-term goals – for example, building your savings or buying property. Get peace of mind by knowing what your next moves are.

More financial clarity

Feel in control of your finances by getting a clearer overall view. Map out your income and outgoings, while better understanding your wealth and how it could work for you.

Our Premier financial planning service

1. Book a free consultation

Book a free initial consultation with one of our financial planning experts. Let them know a little more about your goals, challenges and plans for the future, and they’ll advise on your next steps.

2. Create your financial plan

If you decide to go ahead, we’ll put you in contact with a personal financial adviser. For a one-off fee, they’ll be able to build out your plan, and help make your money work better for you.

3. Work towards your goals

You’ll continue to receive long-term guidance from our experts, and we’ll help you work towards the financial future you want. Whether you’re looking for savings, pension or investment advice, we’re always here when you need us.

Get expert financial planning advice

Access a 24/7 team of experts

As a Premier banking member, you’ll have access to a team of experts ready to support you. They’re available 24/7, so are always on hand to help.

Pay a single, one-off fee

Pay a one-off, flat fee of £7,000 (plus VAT), and unlock specialist financial planning advice. No extra fees, just expert advice, whatever your goals or challenges. 

But it's important to remember that ongoing product and management fees may apply, depending on which investments you chose.

Get a tailored, personalised service

There’s no one-size-fits-all approach to finances. When you join, you’ll get a full consultation with a personal planner. They’ll get to know you and your financial goals and build a customised plan.

Have any questions? Contact Premier 24

 

Looking for investment advice?

Whether you’re looking to grow your portfolio, pool your assets or plan for your family’s future, our experts at Coutts can advise you on your options. 

The value of investments can fall as well as rise, and you may not get back the full amount you invest. Eligibility criteria, fees and charges apply.

Explore our investment advice services Open in new window
A NatWest Premier financial planning customer walks on the beach with his son

Am I eligible for financial planning advice?

To apply for a Royal Bank Premier account and become eligible for our financial planning service, you need to be 18 or older and a permanent UK resident. You’ll also need to have one or more of the following:

  • a sole income of at least £100,000
  • a joint income of at least £120,000
  • a Royal Bank  savings account with at least £100,000
  • a Royal Bank  mortgage of at least £500,000.

The financial planning service is designed for Premier customers with at least £250,000 of investable assets. This includes any savings or even pension sums.

Chat with Cora, our smart virtual assistant

Click ‘Ask Cora’ below and type ‘Book appointment’ to quickly connect with our investment planning service. Cora is available 24/7 to help you book appointments and answer simple queries instantly.

Prefer to talk on the phone?

Call Premier 24 anytime to arrange a convenient appointment with an adviser. Please note, Premier 24 cannot provide direct investment advice but will help you set up a meeting at a time that suits you.

Telephone: 0333 202 3332
International: +44 131 278 3507
Relay UK: 18001 0333 202 3332

 

Premier 24 is open 24/7 to support you whenever you need.

Expert insight to help you make confident decisions

Get practical insight on money, markets and staying safe from scams with Premier Perspectives. Created to help Premier customers feel informed, prepared and confident.

Explore Premier Perspectives Open in new window

Financial planning- frequently asked questions