Financial Adviser Hertfordshire

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

Lighting Your Path to a Brighter Financial Future

Lumos Financial is the independent financial adviser Hertfordshire business owners and senior professionals place their trust in when they want to ensure they are on course to live the lifestyle of their dreams now, in the future, and throughout retirement.

Located in Hemel Hempstead in Hertfordshire, we work closely with those who have aspirations for financial freedom in retirement.

Our aim is to provide you with clarity around your business and personal finances, and guide you towards your ambitions for a satisfying future lifestyle.

Using our in-depth technical knowledge and extensive experience, we’ll equip you with the reassurance you need that everything you value is protected, and make sure you are on track to meet your ultimate financial goals.

How does equity release work?​

Top rated for advice, service and value on professional review platform VouchedFor time after time, and 5-star rated on Google, Lumos Financial has become one of the most widely trusted financial advisers Hertfordshire wide.

Always working around our core values of passion, integrity and empathy, we look at every situation from your point of view, and always tell it like it is. You’ll find us open and honest, and totally understanding of your concerns and apprehensions.

Our desire to see you achieve your financial and lifestyle ambitions is genuine, and we’ll put structures in place to help you build, preserve and protect your wealth for the future.

If you’re looking to work with an independent financial adviser in Hertfordshire, you’ll find Lumos Financial a breath of fresh air. We’ve put a ban on jargon in favour of plain English, and always take time to explain everything in straightforward terms, breaking down the complex into simple, easy to digest advice.

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 Hertfordshire.

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 Hertfordshire? Here’s how we can help.

Are you wondering when you can stop working? Maybe you’re looking for clarity around your pension, what it’s worth and how you can take an income from it? Do you have investments that you haven’t reviewed for some time that you suspect could be working harder for you? Are you looking for advice on the best way to structure your business finances and assets?

Lumos Financial is qualified to answer all your questions. We offer a comprehensive 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.

Conveniently located in Hemel Hempstead, we are widely trusted as knowledgeable independent financial advisers Hertfordshire wide. Why not meet with us in-person or virtually, and let’s take the first step towards realising your future lifestyle dreams?

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, 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.

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