HFL is a business that uses holistic techniques, this means that an entire organisation is considered in its processes and policies, as opposed to focusing only on a specific component.

Holistic thinking isn’t simply “out of the box”, but instead it believes that it removes the box altogether.


Private clients have wide and varied needs throughout the stages of their life and we are here to help with all of these.  We can help you whether you are starting out and looking for your first mortgage to retiring and looking to take your pension benefits, or anywhere in between.

We look to take any complexity out of the issues you may face and provide independent, tailor made advice to suit your personal requirements.


HFL have a vast background knowledge of working with business owners large and small.  We have the expertise to find solutions to any challenges your company may come up against.

We can help you identify any gaps in your business continuity plan and ensure that you have the right protection in place should you or a key member of your team suffer death or ill health.


We will look after your people no matter how complicated their financial needs. Our private client service staff are expert in helping clients to identify and achieve their financial ambitions.

Whenever the members of your executive team feel they need a little extra help, we can make sure they receive it.  This can range from investment management, pensions, financial protection or even inheritance tax planning we are here to help.


If your company is looking to attract keen staff that will stay and grow with the company we can assist you in putting together a competitive range of benefits to form part of their employment contract. This can also include adding additional staff benefits such as private medical insurance or income protection.


Financial certainty and freedom can leave your heart and mind free from worry about life’s uncertainties.  Our goal is to ensure a secure financial future for you, your family and for businesses of all sizes.

You are the focus of our business: You, your life, your family and your future.

A full understanding of your current and desired financial position is the foundation of your financial plan.  This should ensure that all your future needs and wishes are met.  Many people have goals and dreams, but a goal without a plan is just a wish… an achievable goal is a dream with a deadline.

So it all starts with listening.  We listen to your needs, your hopes your dreams, and we formulate a plan, which enables us to offer you clear, no-jargon advice on the most appropriate financial products for your personal circumstances.

This is only the start of our journey together though.  Preparing your plan to meet your goal is, we believe, the beginning of long term relationship. We want to ensure that you, your family and your assets are protected, and help you build a brighter, more secure future.


Retirement Planning

Retirement PlanningI met my clients Mr & Mrs X to arrange their investments shortly following their early retirement. They particularly wanted to keep some capital back to cover the shortfall in income they would suffer before their state pensions kicked in, but also wanted to protect some capital in case stock markets fell. They were […]

Pension Scheme Benefit

Pension Scheme BenefitA client was looking at their defined benefit pension scheme, as they did not know whether to take the scheme or as they didn’t not rely on this income in retirement, whether to look at inheritance tax planning and passing the pension through to his children. We obtained a transfer value from the […]

Pension Issues

Pension IssuesI had dealt with one of my clients for a long time, when she asked me to start looking after her parents. Unfortunately, her father was very ill and passed away soon after her mother inherited his pension. This happened around 6 months before pensions freedom. By delaying any benefits from the pension plan […]