Financial Adviser Harrow

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.