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Financial planning

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

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Here are just some of the ways we 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.

Why get full 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 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

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Our 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.

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.