HL client Joanna shares her first hand experience of saving into a Lifetime ISA (Lisa), and explains how this is a powerful tool to help her to build a secure financial future.

ISA and tax rules can change, and benefits depend on your circumstances. You can withdraw money free of charge from a Lifetime ISA (LISA) to buy an eligible first home, or from age 60. Other withdrawals will usually mean a 25% government charge, so you could get back less than you put in. This isn’t personal advice. If you’re not sure what’s right for you, please ask for advice.