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Investment Advice

Investment advice

What is investment advice?

Investment advice includes recommendations for an investment portfolio, based on your goals and risk tolerance.

Advisers will consider market trends and your personal situation to provide suitable advice. The aim is to help make smart investment decisions to grow your money while managing risk.

Financial advice is a paid service and is different to financial guidance, where only general information is provided to help you make informed decisions.

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Why take investment advice?

Taking investment advice can be beneficial for several reasons:

  • Goal alignment - personalised recommendations tailored to your financial goals, stage of life, affordability, risk tolerance, and investment timeline.
  • Increase potential returns and mitigate risk - advisers help you navigate market volatility and help to manage risk by diversifying your investments.
  • Peace of mind - working with an adviser offers confidence in decisions.

All investments can rise and fall in value, so you could get back less than you invest.

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How to receive investment advice

You have the option to access standalone investment advice or include investment advice as part of a comprehensive financial plan.

You can choose to meet with your adviser by telephone or video call. If you'd prefer in person meetings, you'll be matched with an adviser local to you. These options offer flexibility, making it convenient for you to access personalised advice, regardless of your location or communication preferences.

Standalone investment advice

Standalone investment advice is more focused and doesn't consider other aspects of your finances.

For example, you may have a lump sum of money that you'd like to invest for a specific goal. Or you'd only like advice on rebalancing an existing investment portfolio.

In these cases, the standalone investment recommendations you receive would focus solely on those specific goals and your risk tolerance for that lump sum or portfolio.

Investment advice as part of financial planning

Investment advice as part of broader financial planning takes into account various aspects of your financial situation, not just specific investment goals.

For example, you may want advice on how to allocate funds for long-term objectives like retirement planning and wealth preservation.

This comprehensive approach ensures that your investment decisions are aligned with your overall financial strategy and risk tolerance.

Cost of financial advice

Our financial advisers typically charge 1-2% of the assets advised on (+VAT where applicable, minimum charges apply). This is a one-off charge which will depend on the complexity of your situation, the time needed to understand your goals, and to provide personal recommendations.

Your financial adviser will let you know if they think you'd benefit from ongoing advice. This comes with an extra charge.

Advice on the transfer of any secured benefit, such as a defined benefit pension (a final salary pension), will be subject to a separate charging structure, which your adviser will discuss with you.

Summary of charges

Getting advice starts with one call

Getting advice starts with one call

The first step is to talk to our advisory service team. This initial discussion is to determine if our advisory service aligns with your needs and goals and would be a feasible option for you.

During this conversation, we'll ask straightforward questions to understand your financial objectives and the total value of the assets you're seeking advice on. No financial advice will be given at this point.

If our advisory service is the right fit for you, we'll connect you with one of our experienced advisers for a first meeting.

Book your free call

Find an adviser

Find nearby HL advisers with our simple tool, and select the perfect match based on their areas of expertise and the type of advice you're looking for.

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We are Chartered Financial Planners

Our Chartered title, granted by the Chartered Insurance Institute (CII), signifies our dedication to professional standards. Holding Chartered status means we prioritise ethical conduct, prioritise your interests, invest in ongoing development, and support initiatives benefiting society and our profession.

Download our factsheet to find out what this means for you.