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Award-winning independent financial advice

Types of advice

Our advisers offer help on a level that’s right for you

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Why one-off advice?

At Hargreaves Lansdown we offer one-off Financial Advice, where our expert advisers can help you with the big decisions you face. This service allows you to pick and choose the advice you need for your investments, when you need it.

An adviser will help you to understand your options and decide what is best for you; including building a portfolio of funds for your investment, pension planning, or ensuring your affairs are tax efficient.

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Why ongoing advice?

Over time your personal circumstances and financial goals are likely to change, alongside this there will undoubtedly be changes in interest rates, stock markets, pension legislation and tax rules. Many of our clients gain peace of mind by having their financial affairs regularly reviewed.

Supported by some of the industry’s leading experts, our professional and friendly advisers can help you stay on top of your investments and ensure your financial plans remain on track.

More about our review service

What is the Portfolio Management Service?

Our full service solution has been designed for investors who would prefer not to have an active role in managing their investments. This might be because they no longer have the time or inclination to do it themselves, or because they would rather take advantage of our investment managers’ expertise.

This service is available exclusively through our Financial Advisers and all ongoing investment decisions are made by our renowned investment team.

If you would like to discuss this service with one of our advisers and see if it is right for you, we can arrange a no-obligation initial consultation for free.

More about our Portfolio Management Service

Areas of advice

  • Your retirement will be one of the most important things you ever need to plan for. Advice could be valuable because decisions made are often irrevocable and can define how you live for the rest of your life. The constantly changing pension landscape, along with the shifting economic climate and improved life expectancy, means any choices made now could have a significant impact at retirement.

    Many investors turn to professional advice because it can save time, minimise tax and provide the peace of mind of having an expert develop a personal retirement plan for you. You may find advice valuable to help calculate your income needs and plan how to reach your goals. An expert will also consider the best strategy to draw an income, the level of risk that is right for you, long-term care provisions and whether you want to maximise legacies for your loved ones.

  • You may have a sum of money to invest but are unsure how to go about it. Making the right decisions now can put yourself and loved ones on the right track to a secure financial future.

    A financial adviser can help you make better investment decisions to get the most out of your money. They will help to create a balanced and diversified portfolio which takes into account your attitude to risk, financial goals, tax shelters, as well as upcoming legislation changes.

  • Passing on wealth to loved ones often forms a big part of an investment strategy. With the right forward planning it is possible to significantly reduce, or eliminate altogether, any tax liability your loved ones may have to face. An adviser can help you navigate the rules, minimise the tax payable and improve the amount to be paid to your loved ones.

    As estates get larger and more complicated, advice from a professional will help guide your way through your options to find the best combination for you. This becomes more relevant with extended families, or where your estate has multiple properties or business interests.

  • Fluctuating stock markets, shifts in interest rates, and changes to tax and pension rules can lead to opportunities to get your money working harder for you. An adviser can take a look at your current strategy and answer questions such as:

    • Are you invested in the right assets?
    • Are you taking too much or too little risk?
    • Is your portfolio on course to meet your objectives?

    Our advisers can help you get the right balance of investments to ensure your plans are aligned to your goals, tax-efficient and suitable for your attitude to risk. This way they can determine whether your plans are on track to meet your financial objectives, or if changes need to be made to best place your portfolio.

  • Always having an expert looking after your money is just one of the benefits of the Portfolio Management Service which has been designed for investors lacking the time, inclination or expertise to manage their investment portfolios.

    This exclusive service offers the very best of what Hargreaves Lansdown has to offer, drawing upon the wealth of experience from our investment managers and our highly qualified advisers. More than 10,000 clients entrust us with nearly £3 billion of their money using the Portfolio Management Service, leaving decisions with our investment experts.

  • If you have numerous and complicated pensions, pension planning advice may be valuable. Managing pensions across different providers and platforms can be time-consuming and the risk of losing track increases. To make it easier, you could consider pension consolidation.

    It is important to receive advice on your pension requirements, and to identify opportunities to maximise your funds while minimising any threats new legislation might pose. Our Financial Advisers will only recommend consolidation once they have taken the time to check you won’t lose valuable guarantees or benefits or incur excessive exit fees.

Find out more about the costs of Financial Advice

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Recent awards

Best investment adviser
Best Investment Adviser 2017
Money Marketing
Gold standard financial advice winner
Financial Advice Winner 2017
Gold Standard Awards