Financial Adviser Hemel Hempstead

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

Helping you Plan for a Brighter Financial Future

Lumos Financial is the financial adviser Hemel Hempstead business owners and senior professionals recommend when it comes to protecting wealth, and planning for a future free from financial worry.

As independent financial advisers in Hemel Hempstead, we are on a mission to support locally based individuals in achieving their goals for financial freedom in retirement.

Working closely with you on an ongoing basis for the long term, we will help steer you towards your ultimate ambitions for a wholesome lifestyle when the time comes to slow down, or stop working altogether.

We make it our business to get to know you, your personal situation and your business or work position, so that we can provide you with fully rounded advice that covers every angle.

Aiming to provide you with clarity around your finances tops our list of priorities, because we know how important it is to be clear on what you have, and how best to use it to reach your goals.

The independent financial adviser Watford people rate

Repeatedly top rated for advice, service and value on professional review platform VouchedFor, and 5-star rated on Google, Lumos Financial has become known as one of the most knowledgeable financial advice and wealth management companies Hemel Hempstead and Hertfordshire wide.

Passion, integrity and empathy are our core values. We pride ourselves on being honest with our clients, rather than just telling them what they want to hear. Work with Lumos Financial, and you’ll find we put ourselves in your shoes, appreciating your personal perspective and thinking about how we’d feel and act in certain situations.

We understand that you will have concerns about financial commitments, as well as positive goals, and we’ll always look to factor those in and address them for you.

What’s more, you’ll find we speak your language. Engaging us as your long term financial adviser in Hemel Hempstead, you’ll enjoy clear explanations that are free from jargon, and all your questions answered in plain English.

Get in touch

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

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 Hemel Hempstead? Here’s how we can help.

Are you confused over your pensions and investments? Uncertain when you’ll be able to retire or slow things down? Do you worry about providing for your family? Maybe you have business assets that you suspect could be working harder for you?

At Lumos Financial, our goal is to help business owners and senior professionals gain clarity around their finances. We will help you build, preserve and protect your wealth for the long term, so that you can enjoy a future of financial freedom, with a plan in place to make sure your money will last you for the duration of your retirement.

We provide a range of FCA regulated services, including 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. Meet with us in-person or virtually, and let’s talk about how we can give you clarity around your finances, and get you on track to meet your future lifestyle aspirations.

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 in Hemel Hempstead covering Watford, St Albans and Harrow together with the wider areas of Hertfordshire and North London.

If you want to make sure you are receiving impartial advice that centres on your best interests, it is vital to take advice from independent financial advisers. Hemel Hempstead business owners and senior professionals can enjoy complete peace of mind that this is exactly what they’ll receive from Lumos Financial.

Instead of being tied to a single product provider or insurer, or only being able to recommend products from a restricted panel, because we are independent, we access the entire market when 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 focused on your individual needs as we understand them.

A financial planner is not the same as a financial adviser. Hemel Hempstead clients working with us will discover that, rather than receiving advice solely around financial products, they will go through a far deeper process where we spend time creating a full picture of your current financial situation, as well as learning your aspirations for the future, and any concerns you may have.

Financial planning involves using our technical knowhow and experience to find out whether it’s possible to achieve your goals from what you have at the moment. If it is, then we’ll formulate 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, then we’ll come up with a solution to get you to where you want to be.

Yes, as we are regulated independent financial advisers, Hemel Hempstead business owners and senior professionals can draw advantage from our unbiased pension and retirement planning advice.

Whether we’re checking you’re on course to achieve your retirement goals with your current pensions, coming up with a solution to ensure your pensions and investments will allow you to enjoy financial freedom in retirement, or providing clarity on your pension so you can see how it’s performing and what your future income options will be, you can depend on Lumos Financial to make everything as clear as day.

Yes, at Lumos Financial, we are authorised to provide independent financial advice on equity release. Hemel Hempstead homeowners are welcome to talk to us and discover whether they are eligible and find out 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 independent financial advisers in Hemel Hempstead. 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