Do I need a lot of money to make advice worthwhile?

Not necessarily but it’s fair to say that the larger the sum, the more important it is to get it right. It’s also important that you take advice at when it matters most e.g. nearing retirement. Remember, however much you’ve got and whatever stage of life you’re at, we won’t suggest you take advice if we don’t think you’d see real value.

Do I have to pay up front for advice?

No. We normally take payment out of the portion of your portfolio we’re advising on. Your adviser will make sure all our charges have been explained and agreed to before providing their report and putting your plan in place.

Do you only recommend HL products and investments?

No. We have a suite of carefully selected products and services that we recommend. Some of these are provided by HL but not all. Rest assured that any product or service we recommend has been heavily researched by our experts to make sure it stands up to our high standards and the high standards our clients expect.

Do I have to meet an adviser face to face?

If you’d rather talk to an adviser on the phone, we have a team of advisers based in Bristol who can provide the same service as a face to face adviser with the convenience of being available on the phone.

Will you keep managing my investments after I’ve taken advice?

We offer one off advice or ongoing support. If you take advice and you feel that you can manage from there onwards, we won’t lock you in to unnecessary ongoing charges and you can go back to controlling your investments.

Can you advise on defined benefit pension transfers?

We can, but this is a very specialist area and it’s not always advisable to transfer out of defined benefit pension schemes. Please speak to our helpdesk team, they will be able to find out more about your situation and how best we can support you.

In this section

Financial advice

Financial advice on your terms

Start 2021 on the right foot

Start now

This video has decorative footage throughout. Where there are visuals which are not explained in the speech these are described below

[Bruce Pearce, Head of Advisory Services speaks to the camera]

Bruce Pearce: "Helping you save and invest with confidence is at the heart of everything we do at HL.

Our financial advice service is no exception. In fact, we aim to help you gain confidence in your financial planning and your decisions. Even if you decide not to take financial advice, we’ll be satisfied we’ve done our job by pointing you in the direction of the best help for your situation. Here’s how we do just that…”

[Roddy Macualay, Advisory Helpdesk Consultant, speaks to the camera]

Roddy Macaulay: “My helpdesk team are here to provide your first confidence boost. A conversation with us can either give you the confidence that you’d see value from taking financial advice or the confidence that you’ve already got a good strategy and our free information is all you need to continue your success."

[Tom O’Rourke, Telephone Adviser speaking to the camera]

Tom O’Rourke: “When you take advice from me or another member of my team, you’ll get convenience and confidence. My team and I have exactly the same expertise and the same range of qualifications as my colleagues who meet clients face to face.”

[Rosie Richard, Financial Adviser speaks to the camera]

Rosie Richard: “If you decide advice is right for you, it’s over to me…

[Samantha Squires, Financial Adviser speaks to the camera]

Samantha Squires: or me...

[Thomas Campbell, Financial Adviser speaks to the camera]

Thomas Campbell: or me..."

Rosie Richard: "Or any one of us spread across the country to give you your next confidence boost. Firstly, you can ask me anything about my experience or my qualifications so you can be comfortable with me. But really, it’s all about you, the situation you’re in and what you want the confidence to achieve. Together, we’ll draw up a plan and take a look under the bonnet at your investments to give you a clear view of the present and a strong plan for the future."

[Bruce Pearce]

Bruce Pearce: “A boost in confidence is often needed at times of change. Big changes such as retirement or a change in family circumstances can throw you off balance.

But we also understand that you probably won’t need advice every year.”

[Bruce speaks over an animation of two water containers filling up. The left is labelled as ‘Hargreaves Lansdown one off charge‘ which only has one glass of water being poured from it. On the right the water container is labelled ‘other providers’ ongoing charge’. This one however has multiple glasses poured from it, which represents potentially unnecessary ongoing advice charges.]

“Where some advisers from other firms will suggest you take ongoing advice for an ongoing charge, we’ll normally suggest you only take advice again if you need another confidence boost at a later date. That way you don’t waste money every year for reviews or advice you don’t need.

[Contact details appear on screen]

Find out more by booking your call with our helpdesk.”

Call our help desk on: 0117 314 6255

Or book a call online.

Please note: Our helpdesk are there to help you understand more about our service and whether it could help you. If it sounds like you could benefit from advice, one of our Financial Advisers will contact you within 2 working days. If you decide to go ahead with advice there’ll be a charge, which they will discuss with you.

Built around you

Whether you’re an active investor, a diligent saver or your financial situation has taken a sudden change, HL Financial Advice will help you get a clear view on the present and a strong plan for the future.

We can help you to:

Meet your goals and increase your confidence
Save and invest for retirement
Manage your income and expenditure when you retire
Build or amend your portfolio
Secure your and your family’s financial future

Do I need advice?

Our Bristol-based helpdesk is your first port of call. We are open 5 days a week to learn about you. We'll then explain how we can help you meet your goals.

We might discover you don’t need advice, if that’s the case we’ll support you with free information to help you get on track.

If you decide to take advice any charges will be discussed in advance. Usually the cost is a minimum £495+VAT or 1-2% of your advised portfolio.

Talk to us

Advice in 3 easy steps

1. Speak to our helpdesk

Book a call back to determine if advice is right for you.

If it is, they’ll pair you with the adviser best suited to your needs.

Start now

£0

2. Meet your adviser

They'll find out more about your goals and get to know your current situation. From here they can create a plan to secure your future.

Your adviser will also explain more about advice and any charges required to help you get the best out of our service.

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3. Secure your future

As long as you’re happy with our charges, we’ll give you your plan to review.

Just say the word and we’ll help you secure your future by putting your plan into action.

1-2% or minimum cost of £495+VAT
See charges

Guide to our advisory service

Read our guide to find out how our unique approach to advice delivers true value for our clients.

Download guide

Inheritance Tax guide

Inheritance tax is one of the things we get asked about most – often when it’s too late. Get ahead of the game today.

Download guide

Beginners guide to investing

Discover how to do it and what you need to know with our step-by-step introduction to investing.

Find out more

Find an adviser who’s right for you

Meet with an adviser local to you, or speak to our team of telephone advisers. Either way, you’ll have the expertise of a fully qualified financial adviser.

Talk to us

View adviser profiles

Get the advice you want. Nothing more, nothing less

Ask us anything and we'll see how we can help. Here are a few of our most frequently asked questions:

Do I need a lot of money to make advice worthwhile?
Not necessarily but it’s fair to say that the larger the sum, the more important it is to get it right. It’s also important that you take advice at when it matters most e.g. nearing retirement. Remember, however much you’ve got and whatever stage of life you’re at, we won’t suggest you take advice if we don’t think you’d see real value.
Do I have to pay up front for advice?
Do you only recommend HL products and investments?
No. We have a suite of carefully selected products and services that we recommend. Some of these are provided by HL but not all. Rest assured that any product or service we recommend has been heavily researched by our experts to make sure it stands up to our high standards and the high standards our clients expect.
Do I have to meet an adviser face to face?
If you’d rather talk to an adviser on the phone, we have a team of advisers based in Bristol who can provide the same service as a face to face adviser with the convenience of being available on the phone.
Will you keep managing my investments after I’ve taken advice?
Can you advise on defined benefit pension transfers?
We can, but this is a very specialist area and it’s not always advisable to transfer out of defined benefit pension schemes. Please speak to our helpdesk team, they will be able to find out more about your situation and how best we can support you.