HFL Advisory Services Ltd

Independent Financial Adviser  High Street, Haverhill, Suffolk, CB9 8AE
First meeting at adviser's own cost
At HFL we aim to make the complicated simple at a meeting to suit you but at our cost.
We can advise you on
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Annuity purchase
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Auto enrolment
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Pension consolidation
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Pension drawdown
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Pensions & divorce
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Pensions & retirement planning
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Pensions review
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Pensions transfer
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SIPPs
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Stakeholder
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Buy my next home
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Buy to let
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Buying first home
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Equity release
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Next home / Remortgaging
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Right to buy
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Self-employed mortgages
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Wealth management
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Ethical investments
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ISA / Unit Trusts / OEICs
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Investment trusts
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OEICs
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Offshore investments
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Unit trusts
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Lump sum
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National savings
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Regular savings
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Savings for children
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Accident & sickness
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Critical illness
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Income protection insurance
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Life insurance
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Stockbroking services
Response rating
9.0/10
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FCA authorised
Last authorised 25th October 2021
Meet our advisers
MR Richard Woodwards DIP PFS
Senior Partner

This examination assesses a knowledge and understanding of the various pension products, the pension tax regime and retirement needs.

This qualification helps advisers develop and demonstrate their financial planning capabilities. 

This qualification assesses a knowledge and understanding of the financial services industry, including regulation, legislation and the Code of Ethics.

To achieve DipPFS individuals must achieve 140 credits. At least 80 credits must be at Diploma or AFPC level.

This examination assesses a knowledge and understanding of the different types of equity release products, risks to the consumer associated with equity release and application of suitable equity release solutions according to the circumstances of different customers.

This qualification assesses a knowledge and understanding of the UK regulation environment in the financial services industry, mortgage products, repayment options and the giving of mortgage advice.

This examination assesses a knowledge and understanding of financial protection plans.

This examination assesses a knowledge and understanding of investment products and the risks involved.

This qualification assesses a knowledge and understanding of the UK regulation environment in the financial services industry, long term care insurance products and the giving of long term care insurance advice.

At the end of this unit, candidates should be able to demonstrate an understanding of: the basic structure of the tax system and self-assessment; the main taxes on income and capital that may be charged on individuals, the self-assessment system and how tax liabilities are computed; impact of residence and domicile on an individuals liability to UK tax.

At the end of this unit, candidates should be able to demonstrate an understanding of: how the economic environment and individual company performance affects investment performance and investment decision making; how risk is measured and managed; the main principles governing how to construct an investment portfolio; the range of investment management services, how their performance is evaluated and their regulatory environment.

What our clients say
Richard Woodwards has been our financial advisor for around four years. He is eminently reliable and friendly; and he is always willing to give more of his expected time and energy to fully explain the performance of our investments. Importantly, we are pleased with his ability to keep our ship afloat in the troubled waters that is the present financial climate. He inspires confidence and we commend him without reservation.
Mr & Mrs H, Near Sudbury
I am very pleased to be able to supply this testimonial for Richard Woodwards. Richard has been advising my wife and I on financial matters for the best part of 15 years. In this time I have been very pleased with the advice and guidance he has offered. He explains matters of a financial nature in a way that is easily understood. Explaining and advising on the level of risk etc on any proposed investments. I would have no hesitation in recommending him to you as trustworthy and extremely competent in any financial advice offered.
Mr G Welham, Near Clacton
My wife and I have known Richard for over 5 years now and has been a most trusted adviser. He has never once let us down and has always carried out what ever he has promised to do… and more.
Mr & Mrs Ellis, Suffolk
Great service, helpful, friendly and trustworthy. We feel our future is much more secure after our meeting and actions
Mr & Mrs D, Haverhill
We would very much recommend Richard Woodward as a financial advisor. He was extremely professional, he provided us with an excellent service meeting all of our needs. Nothing was to much trouble for him and he did as he promised! We would highly recommended him and look forward to using him again in the future. Thank you very much Richard.
Mrs P, Bury St Edmunds
I am writing to say how grateful we both were for your efficient manner in dealing with our pensions. The timescale was so tight I did not think it would be possible but you made it very easy for us. We also felt reassured by the way you kept us informed of your progress with the various financial companies, and also how you chased up anything that was holding up the process. I would not hesitate to recommend you.
Mr & Mrs J, Stoke By Clare
I have always found Richard helpful especially as I am not the cleverest in financial matters! He has always been prompt with our 6 monthly reviews and taken care to explain when I don't fully understand. He has looked after my money well and is always there to help, when needed
Mr Little, Sawston
About us

I am a holistic financial adviser with over 15 years experience. I previously worked for Barclays and provide a comprehensive service in all areas of financial advice.
HFL is a local and trusted company with advisers and specialists in nearly all areas of financial advice. I work on an adviser charging or fee basis but all costs will be discussed at our first meeting.

Our services

At HFL we try to take the complexity out of your financial affairs and explain them in a way that is simple to understand. We have many clients from Scotland to Cornwall and generally look after individuals. We specialise in pensions and investments, but also hold specific licences for older clients looking at Long Term Care or Equity Release. We will see you at a time and place convenient to you and the first meeting is at our expense.

Where to find us
Head office address: High Street, Haverhill, CB9 8AE
Preferred clients
Minimum wealth (income/assets)
£51,000
Minimum pension value
£51,000
Minimum mortgage value
£151,000
Special offers
Choose an Unbiased exclusive special offer:
Offers terms
Advice methods
  • phoneButton
    Telephone
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    Face to face
Response rating
9.0/10
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FCA authorised
Last authorised 25th October 2021

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