Just as every client is unique, so is the service we build around them. Our team works together to deliver solutions to meet our clients’ financial goals. We take a holistic approach – considering your wealth as a whole. This covers areas such as: the structure of your investments; retirement plans; and whether your lifestyle and the needs of your family should be protected by insurance. We always focus on growing your wealth and preserving it for future generations.
Once we have an understanding of your circumstances, goals and ambitions we will put together a bespoke recommendation. Our research takes into consideration the tax wrappers used and the level of risk you are comfortable undertaking.
Our goal is simply to make your investment grow. When your investment grows, we grow with you so there really is no catch or sales pitch for our clients, just the honest objective for everyone to see returns on their money.
To fully understand your circumstances we will take you through our Fact Find. This allows us to documents your current arrangements, goals and build a better understanding of you.
All of our investments solutions come with some element of risk, so before making a recommendation we will assess your attitude to risk to determine the portfolio we would recommend. We do not charge for this service and you will get a report detailing the results to take home with you.
As part of our ongoing service, we will re-assess your attitude to risk from time to time to ensure you’re comfortable with the level of risk you are exposed to.
We will research the best solutions to meet your goals, looking at tax wrappers you can utilise and the underlying funds we would recommend you invest in. We use a range of award-winning research tools to build a bespoke solution for you.
As Independent Whole of the Market advisers, you can be sure that we will find you the best product at the best price! Once we have found you the perfect match we’ll provide you with a report detailing our research and recommendation.
Once you have confirmed you would like to proceed with our recommendation, we will communicate between yourself and the product providers, streamlining the process. If you have any questions during this time, we’re just a call away!
We’ll manage your application and all of the paperwork that goes with it, so you don’t need to worry about it.
When your new plans are fully set up, we will keep in touch for regular performance reviews. Throughout the year we continue to monitor your accounts, and where we see the need to make changes to the underlying funds, we will communicate this with you before we make the adjustments.
As an ongoing client to HL Financial, you will then benefit from a range of additional services at a reduced cost, including free mortgage services. You also get access to our Personal Finance Portal where you can view all of your accounts in once place!
Investments tailored to your timeframe. When recommending a new investment portfolio, we take into consideration your intended investment timeframe and your attitude to risk. As you approach big milestones in your life, we can adjust your timeframe and risk exposure.
We tailor your investment holdings to your unique circumstances. Our portfolios are designed to fit the risk tolerance of cautious/low-risk, medium and high-risk investors. We also offer ethical and socially responsible investment options which we will adjust to your risk score.
Low Risk Portfolios
Designed for a cautious investor looking to make a positive return on their initial outlay, but for whom capital preservation remains a principal concern.
High Risk Portfolios
The portfolio is designed for higher-risk investors who are prepared to risk some of their capital in order to maximise returns.
Medium Risk Portfolios
Designed for a cautious to moderate investor looking to make a positive return on their initial outlay, but for whom capital preservation remains a principal concern.
Ethical investing is becoming more and more popular. We offer a range of ethical portfolios with options for positive and negative screening.