We don’t support this browser anymore.
This means our website may not look and work as you would expect. Read more about browsers and how to update them here.

In this section

Financial advice

Financial planning

Set your objectives and create a plan to piece together aspects of your financial life.

What is financial planning?

Here are just some of the ways financial planning can help you:

Retire on your terms - choose your retirement options, generate the income you need and make your retirement finances easier to manage
Make your money work harder - make the most of your money and the tax allowances available to you to help you meet your objectives
Make the most of the inheritance tax rules - pass on as much of your wealth as possible
Set up or amend your investment portfolio to align with your goals
Protect yourself and your family - make sure your family are looked after financially in the event of ill health or death
Help you plan how much money to put aside for emergencies or loss of income
Plan the cost of long-term care - long-term care can be expensive. Feel confident you’ll be able to get the best care possible for you or a loved one

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.

Please note: 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. A qualified accountant should always be consulted where specific tax calculations are required.

Seemingly small decisions today can make a big difference in the future. Find out how financial advice can help you pinpoint important financial milestones and plan to meet them.

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.

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 get in touch. If you decide to go ahead with advice there’ll be a charge, which they will discuss with you.

The benefits of financial planning

Your life is full of milestones and goals. Some may feel simple and short term where others are harder to reach or surpass.

A financial plan leaves no milestone unturned and will help you plan for changes or life goals big and small. Plus, we’ll add peace of mind by helping you be more financially resilient should you hit any speed bumps.

The support, knowledge and expertise you’ll get from this service will help you feel more confident about the future.

Our advisers can provide recommendations on a whole range of financial planning topics from how to be more tax efficient to long-term care planning, and family financial planning to building wealth.

But key to the success of your advice will be how those topics and milestones fit together into one, personalised plan. Your adviser will help you unravel the ‘what-ifs’ and help you understand how addressing one aspect of your finances, can also benefit another.

Charges for financial planning advice

Our financial advisers typically charge 1-2% (+VAT where applicable, minimum charges apply) of the assets advised upon for complex financial planning.

We don’t believe in tying people into yearly reviews so with HL you can choose one-off advice. Ongoing advice is available if you request it for an extra charge.

Our advisers will always look at your current circumstances and plans before giving recommendations.

More about our charges

Our financial planning advisers’ qualifications

All advisers must have a diploma in financial planning (or equivalent) which is recognised by the Financial Conduct Authority and complete training and development each year to keep their knowledge up to date.

The majority of our advisers’ qualifications are awarded by the Chartered Institute of Insurers (CII) and they are members of the Personal Finance Society (PFS).

Rest assured all our advisers are fully qualified to advise you on financial planning advice.

Financial planning near me

Book a call with our advisory helpdesk to get started

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

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

They won’t provide personalised advice but if you’re happy, they’ll put you in touch with an adviser within two working days. Your adviser will work with you to ensure you’re comfortable with the service you’ve chosen, that you’re getting the right level of advice you need and the charges involved.

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