Tax year ends 5 April: speak to our advisory team by 12 March to guarantee essential tax planning. Book now.
Financial advice
Gain confidence with expert financial planning
Use our flexible financial advice service to get investment-only advice, in-depth financial planning, or both.
Our website doesn’t give personal advice. Use this page to find out more about getting advice.
Our website doesn’t give personal advice. Use this page to find out more about getting advice.
What is financial advice?
Financial advice helps people achieve their financial goals. A qualified, expert adviser will help you with your plans and investments with your specific risk and other circumstances in mind.
Confidence
Get peace of mind that you're doing everything you can to achieve your goals.
Clarity
Unravel complex planning decisions. And understand complex topics such as tax and estate planning.
Control
With your new plan in place, you decide whether to carry on by yourself or take ongoing advice.
Types of financial advice
Investment advice
Advice specifically on your portfolio to help you refine and align it to your goals.
Financial planning advice
Takes an in-depth look at topics such as retirement, tax and estate planning.
What topics are covered with financial planning?
Minimise taxes through smart strategies, and use tax-efficient accounts to maximise returns.
Find the right balance of secure and flexible pension options tailored to your needs, plus assurance on pension transfers.
Tailored strategies to prepare for retirement. Including an assessment of savings, pension and investment options, and income needs in retirement.
Personalised plans offering guidance on funding options, cost management, and preparing for future financial impacts.
Manage the taxes that are triggered when transferring assets and wealth to loved ones after someone passes away.
Getting advice starts with one call
Step 1: Speak to our advisory team
We’ll ask a few simple questions to understand your goals and assets - no financial advice will be given at this point. If our service suits your needs, we’ll connect you with an experienced adviser.
Step 2: Meet your adviser
Your first meeting is free. Discuss your financial goals and current situation, and your adviser will outline how they can help and what it may cost. If you want to keep going, they'll give you advice in another meeting and settle fees.
How much does financial advice cost?
1-2%
Our financial advisers typically charge 1-2% of the assets advised on (+VAT where applicable), with a minimum charge of £995 for investment advice, or £1,495 for financial planning. This is a one-off charge which will depend on the complexity of your situation.
We also offer an ongoing advisory service if you would like continuing support. This is available for an additional annual fee of 0.365% (plus applicable VAT).
Find an adviser
Find nearby HL advisers with our simple tool, and select the perfect match based on their areas of expertise and the type of advice you're looking for. All our advisers offer the option to meet via video call too.
Why choose financial advice from HL?
Over 40 years' experience - enabling people to save and invest with confidence.
Wide range of expertise - From investment advice to long term care planning, our advisers can help.
Distinguished service - we're recognised by the Chartered Insurance Institute (CII), for demonstrating an unparalleled commitment to excellence.
Trusted by over 65,000 clients - we've helped thousands improve their financial well-being.
Flexible and convenient - choose to meet with your adviser by telephone, video call or in-person. For in-person meetings, you'll be matched with an adviser local to you.
We can only provide advice to UK residents. If you’re resident overseas, unfortunately we’re unable to advise you.
Financial advice guides and insight
Read more about how advice can help you.
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Financial advice FAQs
Common questions about financial advice.
All financial advisers must have a diploma in financial planning (or equivalent) which is recognised by the Financial Conduct Authority (FCA), and complete training and development each year to keep their knowledge up to date.
At HL, many of our advisers also have additional qualifications such as advanced diplomas in financial planning, estate planning, and long-term care planning.
The majority of our financial advisers' qualifications are awarded by the Chartered Institute of Insurers (CII) and they're members of the Personal Finance Society (PFS).
When you meet your financial adviser for the first time, it's totally free. You can talk about your money goals and what's happening with your finances. The adviser will explain where they can help and how much it might cost.
You’ll only pay if you decide to take financial advice by signing a charges agreement.
Book a call with our advisory team to get started. During the call, we'll discuss your financial situation to see if our service is right for you. If our service meets your needs, we'll connect you with a financial adviser within three working days for your initial meeting.
You can choose to meet with your adviser by telephone or video call. If you'd prefer in-person meetings, you'll be matched with an adviser local to you.
These options offer flexibility, making it convenient for you to access personalised advice, regardless of your location or communication preferences.
Our financial advisers typically charge 1-2% of the assets advised on (+VAT where applicable, minimum charges apply). This is a one-off charge which will depend on the complexity of your situation, the time needed to understand your goals, and to provide personal recommendations. See summary of charges.
Your financial adviser will let you know if they think you'd benefit from ongoing advice. This comes with an extra charge.
Advice on the transfer of any secured benefit, such as a defined benefit pension (a final salary pension), will be subject to a separate charging structure, which your adviser will discuss with you.