Award-winning Financial Advice service

Need a little advice? Or a lot? Prefer it over the phone? Or face-to-face? With us, you choose, and you have control. We’ll focus on what matters to you, from planning for the retirement you’ve always wanted to ensuring your money is in the right place.

The right advice can save you time and money. Whether you already know what advice you need or are simply exploring your options, you can choose the level of support that’s right for you. Our award-winning advisory service helps thousands of clients each year make better investment decisions. Find out if you could benefit too.

Types of advice

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  Investment management

  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, designed for investors with £100,000 or more, 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.

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  Lump sum investment

  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.

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  Pension consolidation

  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.

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  Restructuring your portfolio

  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.

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  Retirement planning

  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.

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  Estate planning

  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.

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