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 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 at a time which suits you.

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 your finances 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 we can best support you.

In this section

Financial advice

Expert
Financial Advice

A flexible financial advice service

We always strive to make it easy for our clients to save, invest and get advice if they need it.

Choose the type of advice you need (planning or investment advice) and whether you’d like one off advice or ongoing advice.

And if you need help deciding, our advisory helpdesk are here to answer all your questions and double check you’ll see value from taking financial advice.

Talk to us

Find out more about how financial planning and investment advice can combine to help you feel more confident about your financial future.

The voice over begins:

"At HL, we think you should take financial advice on your own terms. So, we've done just that. With HL, you're not tied into a long-term commitment, and there's certainly no one-size-fits all advice. Our flexible services let you choose the level of advice that is right for your circumstances."

Investment Advice

"Choose Investment Advice to create, shape and optimise your portfolio."

Alongside Investment Advice, the charges are displayed: 'Up to 1% of your portfolio value, minimum charges of £495 over telephone and £1,495 face to face apply'

Financial Adviser, Tom O'Rourke speaks to camera:

"Our Investment advice service is perfect for those who are new to investing and want to make their money work harder for them. More seasoned investors can also get help to ensure their existing portfolios are diversified, cost effective and on track to meet their goals."

Financial Planning

Voice over: "Then there's our financial planning service, which is suited to clients with complex situations or lots of milestones to aim for."

Alongside Financial Planning, the charges are displayed: '1-2% of your portfolio value, *Minimum charges of £495 over telephone and £1,495 face to face apply. (+ add VAT where applicable).'

Financial Adviser, Hugh Breach speaks to camera:

"Seeing how all your goals fit together is the key to feeling secure about your financial future. A bit like a jigsaw though, sometimes finding all the pieces to the puzzle can be quite hard. This is where financial advice can really help, we can work with you to put together a full financial plan and identify what really matters to you."

"We can help you have confidence in your future, whilst enjoying life now. Things like estate planning, retirement planning and ensuring your investments are tax efficient are all things that we can help you with."

Voice over: "Whether you are confident with investments or keen to get started on planning your future, you get the expert advice you require, when you want it, for a clear, fair price. HL -Financial advice"

Investments will fall as well as rise in value so you could get back less than you invest.

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.

Awarded Corporate Chartered status by the Chartered
Insurance Institute (CII)

Why choose HL for financial advice?

Distinguished service - We've been awarded Corporate Chartered status by the Chartered Insurance Institute (CII). Find out more.
Over 40 years' experience - Helping people save and invest with confidence.
Trusted by over 65,000 clients - We're a financially secure FTSE 100 company, authorised by the Financial Conduct Authority (FCA).
Wide range of expertise - From helping you to start investing, or advice on a complex matter like retirement planning or inheritance tax, our advisers can give a bespoke service, suited to your needs.

Types of financial advice we offer

Investment advice

Build a portfolio or update an existing one. Our advisers can help by recommending investments to help you achieve your goals.

Retirement advice

Understand your options, get the hard work done for you, feel confident about your retirement.

Inheritance tax

Our advisers’ knowledge of inheritance tax rules will help you pass on as much of your wealth to your loved ones as you can.

Financial planning

Get a plan which pieces your goals together. You’ll get an expert’s view on how to achieve your goals and overcome the hurdles you may come across. Your plan should leave you feeling confident you’ve done everything you can to secure your financial future.

Long-term care

We can help you plan how you’ll cover the cost of care so you feel safe in the knowledge you or your loved ones can get the best possible care.

Pension and investment consolidation

Get help making the often complex decision of when, if and how to get your investments in one place. Feel more confident and get a better view of where you’re at.

Choose your financial advice service

Our advisers will always look at your circumstances and plans as a whole before providing their recommendations. They'll find out about your circumstances and discuss your choice of service to make sure it’s right for your risk and objectives.

Financial planning

1-2% of assets advised upon +VAT where applicable*

You’ll always get more from advice when you see how everything fits together. Our financial planning service can help you plan for any number of goals or scenarios that you need to take into account.

Sometimes, it feels like there’s a lot to consider when planning your financial future. Future events will be impacted by what’s going on in your life now so it’s important to know where you’re at and how to reach your goals for the future. Our financial planning service can take the weight off your shoulders and help you feel more confident about the future.

We can help you plan:

Your retirement
How you protect yourself and your family in the event of ill health or death
How you’ll afford long-term care for old age
Consolidating pensions and investments
Understanding inheritance tax rules and passing on your wealth
How to pay for school or university fees or another large expenditure

Our planning service also includes investment advice which means your plan will be put into practice using a portfolio set up or tailored towards your goals.

HL. Financial Advice at HL.

Financial planning. 1-2% of your portfolio value. Minimum charges of £495 over telephone and £1495 face to face apply (+ add VAT where applicable)."

The voice over begins:

"HL's Financial Planning service will help you map out any number of financial goals and hurdles to overcome."

The voice over continues:

"With a plan, we'll unravel the often complex way your financial affairs impact on one another. That way you'll have a clear view of the big picture and put your best foot forward. Our lives are made up of many more financial milestones than you might think. Even seemingly small financial decisions today can make a big difference later on."

Financial Adviser, Tom O'Rourke speaks to camera:

"We help you understand if your current strategy will supply the returns you need to meet your expectations. We can also arrange any insurances or tax wrappers as required. Life can be eventful and we can help realign your plans if you have a major change of circumstances, potentially a bereavement or divorce."

Financial Adviser, James Atkinson speaks to camera:

"Complex financial situations require bespoke, in-depth planning to ensure future success. We can help you provide for retirement, pass on wealth via estate planning or make provision for long-term care."

Financial Adviser, Hugh Breach speaks to camera:

"We can help to ensure you are confident in the future whilst enjoying your life now."

Voice over: "With HL, you're not tied in to a long-term commitment and there's certainly no one-size-fits-all advice. HL's financial planning service can help you get closer to achieving your goals by providing you with a plan to follow with confidence and peace-of-mind. Your adviser will present you with your fully tailored plan, providing recommendations on how to achieve your objectives as well as implement their recommended investments for you. A financial plan aligns your financial goals and gives you confidence in your future."

HL. Financial Advice.

Investments will fall as well as rise in value so you could get back less than you invest.

Book a callback with our advisory helpdesk team or you can call them directly on 0117 317 1690. Lines are open from 8.30am until 5pm Monday to Friday.

Book a call Do you need financial advice?

Please note: The advisory helpdesk are here to speak to you about financial advice. For any other questions about your account or our services, visit the contact us page.

When it comes to consolidation, some pensions and investments are best left where they are due to high exit fees or valuable guarantees and benefits which you might lose if you moved them. Your adviser will discuss this with you.

Tax rules can and do change and their benefits depend on your individual circumstances. Our advisers will take into account the effect of tax in making financial planning recommendations. Your adviser may suggest you get legal or accounting advice to complement their advice.

Investment advice

Up to 1% of assets advised upon*

Build or amend your portfolio and mould it around your goals. We can also make it cost effective and easier for you to manage in the future.

This service can help you:

Review your existing investment (and/or pension) portfolio
Decide how much to save to reach a specific goal e.g. a house deposit or children’s education costs
Check your portfolio is cost effective
Select investments appropriate to your goals
Set up your portfolio (if needed)

HL. Financial Advice at HL.

Investment Advice.

Alongside Investment Advice, the charges are displayed: "Up to 1% of your portfolio value, minimum charges of £495 over telephone and £1,495 face to face apply."

The voice over begins:

"HL's Investment Advice service is perfect for those wanting to build their first portfolio, as well as more seasoned investors seeking the best potential returns for their circumstances."

Financial Adviser, James Atkinson speaks to camera:

"Investments can play a key role in helping you achieve some of your financial goals. If you want to start investing but aren't quite sure how to build a portfolio, we can definitely help you get started."

Financial Adviser, Tom O'Rourke speaks to camera:

"We can help you even if you're an experienced investor. We can look at your portfolio and give it a tune-up to make it better suited to your goals. We can also check if your portfolio could be streamlined to reduce fund charges."

Financial Adviser, Hugh Breach speaks to camera:

"You have complete visibility of charges and you're not tied in to any long-term agreement."

Voice over: "Your adviser will provide you with a report detailing a range of investment recommendations and, once you are completely happy, will implement it for you. Our goal will always be to give you confidence in your financial future. Our investment advice service is a great place to start your advice journey."

HL. Financial Advice.

Investments will fall as well as rise in value so you could get back less than you invest.

Get started by booking a call with our advisory helpdesk team, or you can call them directly on 0117 317 1690. Lines are open from 8.30am until 5pm Monday to Friday.

Book a call Do you need financial advice?

Please note: The advisory helpdesk are here to speak to you about financial advice. For any other questions about your account or our services, visit the contact us page.

Investments can go up as well as down in value and you may get back less than you invest.

* Minimum charge of £495 over the telephone and £1,495 face to face. VAT will be charged in addition where applicable.

The aim of each of our advice services is to provide one-off advice to take you as far into the future as possible. We don’t believe in tying our clients into ongoing advice automatically. But if you think you’d like ongoing advice, please ask your adviser and they’ll talk you through what you’ll get out of it and whether it’s right for you. Our ongoing advice charges can be found on our charges page.

Book a call with our advisory helpdesk

Book a call with our advisory helpdesk to start your financial advice journey. They’re here to answer any outstanding questions you have about our service.

There’s no obligation to take advice and there’s no hard sell. In fact, they’ll let you know about our guidance and tools if advice is not for you.

They won’t provide personalised advice but they’re essential to making sure you get the most out of our service. If you’re happy to proceed, they’ll put you in touch with an adviser within two working days to arrange your initial consultation.

We can only provide advice to UK residents. If you’re resident overseas, unfortunately we’re unable to advise you.

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