Financial Adviser Harrow

Ready to take the first step towards a brighter financial future?

Why not spend a few minutes with us on a telephone or video call to see if we’re a good fit, and make sure we have the right expertise to help you?

Your initial Discovery Call is free of charge and carries no obligation or cost.

As Featured in

Financial Planning for a Brighter Future in Harrow

Lumos Financial is the financial adviser Harrow business owners and senior professionals highly rate and recommend when it comes to protecting your wealth, and planning for a future of financial freedom.

Located in Hemel Hempstead, just 16 miles from Harrow, our mission is to help anyone with a desire to enjoy financial certainty in retirement.

For us, forging ongoing relationships with our clients is of primary importance. As your family financial advisers, Harrow individuals will find that we are dedicated to their financial success for the long term.

Our aim is to get to know you and your finance-related personal and work situations, so that we can put ourselves in your shoes and provide you with holistic advice that covers every base.

We know the importance of having clarity around your financial position and knowing where you are, what you have, and how you could be getting more out of what you have. And that’s precisely what we provide our clients with.

The independent financial advisers Harrow professionals depend

Consistently top rated for advice, service and value on professional review platform VouchedFor, and 5-star rated on Google, Lumos Financial has earned a reputation as one of the most respected financial advisers Harrow wide.

With passion, integrity and empathy as our core values, you’ll find us honest and straightforward with our advice. We’ll always view situations from your standpoint too, understanding any concerns as well as sharing your aspirations.

As your long term trusted advisers, we’ll make sure you only ever make smart financial decisions, and that your financial plan is reviewed regularly so that any external factors that may throw it off track are headed off.

Finally, we speak your language. You’ll never experience any jargon with Lumos Financial, and you’ll find everything explained in plain English. We’ll break down the complex into simple advice, so that you’ll have the clarity you’ve always sought.

Get in touch

Lumos Financial are independent financial advisers based in Hemel Hempstead and are here to answer all your questions about financial advice in Harrow.

Whether you live in London, Hertfordshire or further afield, we are ready to provide the advice you need.

Please drop us a line and let us know how we can help, and we’ll be right back in touch.
01923 375415

Looking for a financial adviser in Harrow? Here’s how we can help.

At Lumos Financial, we are on a mission to help business owners and senior professionals achieve a clear picture of their finances. We will create a tailored plan for you that will see you build, preserve and protect your wealth for the long term, allowing you to enjoy a future free from financial worry.

We provide a range of FCA regulated services. These include independent financial advice, financial planning, retirement planning, pension advice, equity release advice, investment advice and management, estate planning, and wealth management.

Our offices are located in Hemel Hempstead, just a 45 minute drive from Harrow. Meet with us in-person or virtually if you prefer, and we can discuss how to get you on track to meet your ambitions for a financially secure future.

Why choose Lumos Financial?

Long Term Trusted Advisers

By your side, safeguarding your best interests on an ongoing basis.

Simplified Advice

Speaking your language, without a hint of technical jargon.

5-Star Rated

Consistently top-rated for advice, service and value on VouchedFor & Google.


Yes, Lumos Financial are Financial Conduct Authority (FCA) regulated, fully independent financial advisers covering Harrow, Watford, St Albans and Hemel Hempstead, together with the wider areas of Hertfordshire and North London.

If you want to make sure you are receiving impartial advice that’s focused on your best interests, it is essential to take advice from independent financial advisers. Harrow business owners and senior professionals are reassured that this is precisely what they’ll receive when they work with Lumos Financial.

Rather than being tied to a single product provider or insurer, or only being able to recommend products from a set panel, our independence allows us to access the whole of the market when we are recommending products to our clients. From pensions and investments to equity release lifetime mortgages or any other financial product, you can rest assured that the products we select for you will be centred on your unique needs as we understand them.

A financial planner is not the same as a financial adviser. Harrow business owners and senior professions who choose to work with us will learn that, rather than receiving advice only around financial products, they will go through a far more involved process.

Financial planning involves spending time learning about your financial situation, ambitions and concerns. Then, using our technical knowhow and experience, we will ascertain whether it’s possible to achieve your goals from what you have at the moment.

If it is, we’ll devise a plan to keep you on the right path, ensuring we allow for any setbacks along the way that might take you off track. If it isn’t, we’ll come up with a long term plan to get you to where you want to be.

We are qualified and regulated by the Financial Conduct Authority (FCA) to offer a full range of services, including independent financial advice, financial planning, retirement planning, pension advice, equity release advice, investment advice and management, estate planning, and wealth management. We do this for both businesses, and individuals.

Yes, at Lumos Financial, we are authorised to provide independent financial advice on equity release. Harrow homeowners are welcome to talk to us and discover whether they are eligible, and discover how much tax-free cash they could release.

An equity release lifetime mortgage allows you to make the most of the property you’ve invested so much in over the years. With a lump sum, you could treat yourself to a dream holiday, renovate your home, or buy yourself a new car. Or you could simply take a regular income so that you can live your life the way you want to, without having to worry. Please see our equity release page for more information.

We offer a free initial call so that we can get to know each other, and we can ensure we have the right expertise to help you as your financial advisers in Harrow. There is no charge for the call, and there is no obligation to go ahead with any advice. If we feel we are a good fit, then we can move to the next step which is a Discovery Meeting.

Success Stories

Steve & Jasmin
Business Owners

How we helped two business owners discover how their business could help them achieve financial independence, find a way to purchase their commercial premises, and plan how to protect their young family.

Brian & Pat
Senior Professionals

How we helped a professional couple to simplify their investments, and provided reassurance that their ambitions to financially assist their children and live an enjoyable retirement were on track.


Ian Stewart
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Lumos Financial helped me when dealing with my property and advising me on the best Equity release and recommending solicitors and company`s to me. I was extremely happy with their personal and professional contact . I would not hesitate to recommend Lumos Finance to anyone. I had no idea the best way to deal with my issues but Lumos guided me step by step to a successful conclusion.
Abbas Alidina
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Shabbar's financial planning and insight has been exceptional. He has supported us with building and investing our SIP. Shabbar took a lot of time to simplify information and help us visualise options. Definitely recommend Shabbar!
Nilofar Dhanji
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Shabbar’s financial planning advice has been extremely valuable, he has helped me build a clearer picture of my finances and what actions I need to take in order to achieve my goals. He has a very professional, logical and personal approach and these are just a few of the qualities that set him apart from anyone else I’ve worked with - not to mention his many years of experience in this field!
TT Boggins
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Shabbar helped us at a particularly difficult time. I found him to be patient, understanding and very responsive. He took the time to explain things in plain language. At all times I felt confident of his advice, help and support. I would highly recommend Shabbar when you need honest sound advice and support.
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Shabbar has been excellent in the purchase of my investment and residential property. He goes out of his way to make sure everything is done well, quickly, all while getting you the best pricing. His advice has been greatly valued and I will no doubt continue to use him the future. Highly recommended.
Gary Cawte
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Shabbar has advised me for a number of years now and I have always found him very likeable and pleasant to deal with. He is very knowledgeable and his advice really does take the stress out of financial matters. I would not hesitate in recommending him.
Beena Nadeem
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Shabbar has an absolutely charming manner - he’s polite, warm and what I particularly welcomed, had patience in explaining investments and which would work best for my situation and which ones wouldn’t - and why. I appreciate his time, energy and professionalism - I never felt rushed and he always had plenty of time to explain everything I needed understand. I’d absolutely and wholeheartedly recommend him.
Venelina Pekova
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Highly recommended! I have used Shabbar a number of time, both with the purchase of my residential and buy to let property. The service he provided was exceptional, he was very helpful and polite, offering me advise on a range of options available to me. I am very grateful for all of the advise that I have received over the years, and look forward to use him again in the very near future.
Alan Moss
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Shabbar has given us excellent service providing full annual reports which he explains in detail. He is polite and efficient in dealing with our queries and always ready to provide advice.
Sarfraz Jeraj
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Approachable, high quality and comprehensive service that was in my interests. Thanks

Lumos Financial

Lumos Financial, iMex Centre,
575-599 Maxted Rd, Hemel Hempstead,
01923 375415