Financial advice insights
Whether you’re just starting out, approaching retirement, or already retired, these articles will help you make the most of your finances. They aren’t personal advice, but they will give you helpful information. If you’re not sure what’s right for your circumstances ask us about financial advice. Tax rules can change and benefits depend on individual circumstances.
Essential reading about financial advice
Client case study: Financial advice at a crucial turning point
Financial advice can benefit a wide range of people at different points in their life. Whether that’s younger clients accumulating wealth or those in later life planning for things like long-term care or passing on their wealth tax efficiently.
What is financial planning?
Financial planning is the process of mapping out how to accumulate wealth and how to use it sustainably. And, in some cases, how to pass it on to the next generation. Find out how it could help you.
Is a financial planner the same as a financial adviser?
What’s the difference between a financial adviser and a financial planner? It sounds like the set up for a bad joke. But it’s a question which gets googled and is sometimes asked of our helpdesks.
5 things you need to know about financial advice
We answer key questions, including: do I need a financial adviser, how much does advice cost, and can I get free financial advice?
Get an investment ‘coach’ by taking advice
All the best athletes employ coaches to make sure they’re at the top of their game – the same principles could work for your investments too.
Why get financial advice at divorce?
How an adviser can support you during divorce proceedings and help you rebuild your finances.
What to expect from your first meeting with an HL adviser
When embarking on a new venture, the first step is often the most important. And taking financial advice is no different.
Pay for financial advice without using your day-to-day cash
With the cost of living high and potentially still rising, you may be cutting back on non-essential spending. If you’ve put financial advice under that category, it’s worth thinking again about just how essential it is and how affordable it can be.
The importance of financial planning
Planning 101: DIY is great. Sometimes it’s better left to the pros.
Financial advice costs explained
Ever booked a cheap flight then found out your luggage costs more than your seat? It’s frustrating when costs aren’t clear and upfront. And when it comes to financial advice, it’s important to know how much you’ll pay and what the benefits will be.
Three rules of thumb for retirement
When it comes to your retirement, the stakes are high. There are plenty of tips out there, but some should be taken with a pinch of salt.
3 steps to making your retirement income last longer
Find out about maximising your income in retirement to give you the lifestyle you want, and three steps you can take to help make it happen.
Plan for a better future
Create a financial plan you can be confident in. Our advisers can help you plan your finances for all of life's milestones.
4 questions to ask yourself in the run up to retirement
Don’t wait until it’s too late. Start getting answers to your retirement questions sooner rather than later.
Expecting an inheritance to fund your retirement? Don't bet on it
We take a look at the risks of relying on a big inheritance and what you could do to make sure you don’t need one to live comfortably in retirement.
Estate planning explained
Estate planning revolves around how you’ll pass on your wealth before and after you die. It involves creating a Will and mapping out who gets what and when.
The essential guide to Inheritance Tax
How much do you know about inheritance tax and gifting? Here are our top tips.
What happens if you die without a Will?
We explain intestacy laws and how dying without a Will could create a financial burden for your loved ones when you die.
How one of our advisers saved a client £14,000 in tax
Financial Adviser, Hugh Breach, describes how he advised a client and how they paid less tax as a result.
Want to save tax? 3 reasons to consider financial advice
It’s not just an accountant that could help with tax planning. A financial adviser could save you time, hassle, and tax.
How to reduce your inheritance tax bill
We look at five ways to reduce inheritance tax, and how a financial adviser could help.
3 ways you and your partner can help save tax
When it comes to saving tax, you’ll sometimes need the support of your loved ones. Now could be the time to show your tax allowances some love too. Here’s how to work with your partner to help save tax together.
Managing your finances
Financial resilience and emotional wellbeing
It's said that 'money doesn't buy happiness' - and in many ways this is true. Focusing on other parts of life are, for most of us, the most rewarding and where we find our 'happiness' – and that doesn’t necessarily improve by having more money.
Financial Adviser's 4 tips to improve your financial decision making
We all like to think we act purely on logic and balance, but money is an emotive topic. We share a Financial Adviser’s tips on how to look past our emotions and make smart choices.
Financial adviser’s top tips for spring cleaning your finances
Financial Adviser Hugh Breach gives his top tips for revisiting, reviewing and reorganising your finances.
A financial adviser’s guide to common cash myths
Bradley Clark, Financial Adviser, dissects three of the most common cash myths he hears from clients and looks at how to make your money work harder.
The Three Pots Rule – how to use it to help reach your financial goals
Financial Adviser, Bradley Clark, looks at how investors and savers can reach their financial goals using the three pots rule.
The four most dangerous words for your finances: I'll do it tomorrow
When it comes to planning your finances, the last minute could be too late. Find out how financial advice can help you tick off one of the most important tasks on your list.
Take more control of your finances with our Asset Register
We've created an Asset Register to help make managing your family's finances as easy as possible.
How much does long-term care cost?
It’s not an easy subject to talk about, but long-term care is something which will affect most people at some point in their lives and the better prepared they are, the better placed they’ll be to pay for it.