With the UK government’s budget on 30 October approaching fast, many people are considering withdrawing their pension tax-free cash as a lump sum to get ahead of potential changes. However, it’s important to think carefully about the long-term implications. Reaching retirement age is an important milestone, and with it comes the option to withdraw up...Read More

In the world of finance, trust and expertise are paramount. For the past decade, Georgia has epitomized these qualities, serving as a core member of the HL Financial team. This year, we are thrilled to celebrate Georgia’s ten-year anniversary with us—a milestone that reflects not only her dedication but also the profound impact she has...Read More

Think investing is only for the rich? You’re not alone. There are many myths about investing that simply aren’t true. Understanding what these are will help you become a savvy saver and get your money working much harder for you. Investing is only for the wealthy… Wrong  You can get started with a small amount...Read More

Putting money in a standard UK bank saving account or cash ISA will see your savings shrink, not grow. How come? Well, typical bank interest rates are below the cost of inflation – the amount prices rise and affect how much it costs us to live. Let’s say you’ve had £1,000 in a high street...Read More

Why do the rich just seem to get richer? It’s a fact that money makes money and a key reason for this is due to compound interest. It may sound like financial jargon but the way it works is simple. When you set up a savings plan, after a set amount of time you usually...Read More

Considering the political developments during the month of March, stock and bond markets ended the first quarter of 2017 on a surprisingly strong note. For the month of March both capital market segments posted modest positive returns, although the stock markets of the Eurozone and Emerging markets clearly outpaced the rest. This must be of...Read More

The principle aims of a Central Bank are price stability and sustainable economic growth. To do this they are, traditionally, given control of interest rates and the supply of money. Since the Great Financial Crisis, they have also been allowed to influence interest rates through market purchases of debt securities in particular Government bonds, through QE....Read More