Denise and John's story
Denise and John hold pensions, investments and savings with HL and are enjoying a comfortable retirement, while planning for their family's future.
Please note: This case study is not personal advice. If you're not sure what's best for your situation, ask for financial advice. Tax rules change and benefits depend on personal circumstances. All investments rise and fall in value, so you could get back less than you invest.
Denise: "I retired in 2016 after working in both the US and UK. I started saving with a Stocks and Shares ISA, and set up a SIPP when I returned to the UK in 2017. My SIPP has been crucial for my retirement planning. It's also part of my inheritance tax plan. I'm hoping to pass some of it on to my loved ones."
John: "I retired eight years ago with my HL SIPP and the state pension. Like Denise, I've been investing in an HL ISA. I didn't have a company pension, so my SIPP has been crucial for my retirement planning."
Comfort and flexibility
"Our main goal in retirement was to keep living comfortably, much like we did while working. Our investments have allowed us to travel, enjoy life, and support our children and grandchildren when needed. The flexibility of accessing our funds has been invaluable, whether it's for daily expenses or unexpected costs."
"We've also passed down what we’ve learned about financial management to our kids and even pay into Junior ISAs for our grandchildren. We've always stressed the importance of starting early and managing risks wisely."
Why we chose Hargreaves Lansdown
"We've found the Hargreaves Lansdown platform incredibly easy to use. Whether it's keeping track of our investments or reading their daily market reports, it's been straightforward and helpful. I (John) particularly enjoy getting the daily market insights – they help guide our investment decisions."
After 40 years of working with Hargreaves Lansdown, we've developed a deep trust in their services. Whether we're dealing with investments or getting a quick question answered, we've always felt supported and well informed.
Looking to the future
"We still actively contribute to our ISAs and SIPPs but are now more focused on planning for the future, particularly with inheritance in mind. With Hargreaves Lansdown by our side, we're confident we've set ourselves and our family up for success."
"The biggest lessons we've learned in our journey are the importance of starting early, staying informed, and remaining flexible with your investments. Thanks to careful planning and the support from Hargreaves Lansdown, we've not only been able to enjoy our retirement but also secure a financial legacy for our family."
Client stories
Lynne uses HL insights to help her manage her pension. She’s able to keep on top of her HL Self-Invested Personal Pension (SIPP) with ease and likes the wide range of investment options.
Peter uses the HL Self-Invested Personal Pension (SIPP) to help him reduce his tax bill and to save on inheritance tax.
Haydn transferred his pensions to HL to make managing his money easier.
Alan uses our tools and research to help him manage his families HL accounts. He also speaks to our knowledgeable helpdesk to get answers to his questions.
Khalid recently invested in the HL Ready-Made Pension Plan. A simple low-cost investment solution managed by HL experts.
Christopher used the HL website to help him retire early. With HL he's able to manage all his wealth under one roof, and uses the linked account service to manage his family’s money too.
Holli, age 33, is self-employed and recently opened an HL Self-Invested Personal Pension (SIPP) to help her save for retirement.