Financial Adviser Hertfordshire

Yes, we are a Hemel Hempstead-based Financial Conduct Authority (FCA) regulated, fully independent financial adviser covering Hertfordshire and North London.

The only way to be certain you are receiving impartial guidance, and advice that’s in your best interests, is to work with an independent financial adviser. Hertfordshire business owners and senior professionals can rest assured that this is precisely what they’ll be getting from Lumos Financial.

As independent financial advisers, we are not tied to a single product provider or insurer, or only allowed to select from a panel. Instead, we look at the entire market when recommending products to our clients. Whether it’s pensions, investments, equity release lifetime mortgages or any other financial product, as a client of Lumos Financial, you will have peace of mind that the advice you receive and the products we recommend will match your needs as we understand them.

Yes, financial planning differs from the experience you would have with a financial adviser. Hertfordshire clients engaging us for financial planning will discover that, rather than simply receiving advice on financial products, they will be involved in an in-depth planning process where their current financial situation, future aspirations and any concerns are all considered.

During the financial planning process, we’ll apply our extensive technical expertise and experience to ascertain whether it’s possible to achieve what you want from what you have at the moment. If it is, we’ll devise a plan to keep you on track, making allowances for any hitches along the way that might interfere with progress. If it isn’t, then we’ll come up with a tailored solution to get you to where you want to be.

Yes, we are regulated to provide pension and retirement planning advice, as well as equity release advice. Whether you’d like us to look into whether you’re on track to meet your retirement goals with your current pensions, put a plan in place to ensure your pensions and investments are adequate to last you throughout retirement, or guide you on your options for drawing your pension, you can depend on us to explain everything clearly, simply and without financial jargon.

Yes, at Lumos Financial, we are authorised to provide independent financial advice on equity release. Hertfordshire homeowners are welcome to talk to us and discover whether they are eligible.

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 Hertfordshire. 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.