Financial Adviser St Albans
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.
Lighting the Way to a Brighter Financial Future
Lumos Financial is the independent financial adviser St Albans business owners and senior professionals trust to help them make the right financial decisions. Decisions that will help them secure the funds they need to live the lifestyle of their dreams now, in the future, and throughout retirement.
Located in Hemel Hempstead, just seven miles from St Albans, we take pleasure in working with people who have a desire for financial freedom in retirement, tailoring a pathway towards their ideal lifestyles.
Using our extensive technical knowledge and long term experience, we’ll help you achieve reassurance that all you value is protected, find clarity in your current financial position, and clearly see how you can achieve financial independence.
The independent financial adviser St Albans people trust
Consistently top rated for advice, service and value on professional review platform VouchedFor, and 5-star rated on Google, Lumos Financial has become one of the most trusted financial adviser firms St Albans and Hertfordshire wide.
Passion, integrity and empathy are our core values. We’ll put ourselves in your shoes, walking your path with you, long term. At Lumos Financial, it’s always been important to us to understand not just our clients’ goals and desires, but also their concerns. We have a genuine desire to help you realise your financial and lifestyle aspirations, and we do this by helping you build, preserve and protect your wealth over time.
If you’re looking to work with an independent financial adviser in St Albans, you’ll find Lumos Financial a breath of fresh air. With a ban on jargon, and a commitment to keeping things simple, you’ll enjoy a clear financial plan that you can fully understand. One that helps you make smart money decisions, for a brighter future.
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 St Albans.
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.
Looking for financial advice in St Albans? Here’s how we can help.
You may be wondering how soon you’ll be able to slow down or stop working? Perhaps you’d like to discover whether your business assets could allow you to achieve financial independence? Maybe you just want to better understand your investments and pensions, or explore how you could protect your family and make your money work smarter for you?
Lumos Financial is qualified to answer all your questions, in your language. We offer a comprehensive range of fully regulated services, including independent financial advice, financial planning, retirement planning, pension advice, equity release advice, investment advice and management, estate planning, and wealth management.
Reachable in less than 15 minutes from St Albans, our office is conveniently located in Hemel Hempstead. Meet with us in-person or virtually, and let’s see how we can shine a light on your future lifestyle dreams.
Why choose Lumos Financial?
Yes, we are Financial Conduct Authority (FCA) regulated, fully independent financial advisers covering St Albans, Hemel Hempstead, Watford and Harrow and the wider areas of Hertfordshire and North London.
If you want to be certain that you are receiving impartial guidance that is in your best interests, and are being recommended products from the whole of the market, then you should ensure you are taking independent financial advice. St Albans business owners and senior professionals can rest assured that this is precisely what they’ll be getting from Lumos Financial.
Rather than being tied to a single product provider or insurer, or only being able to select from a panel, 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, you can rest assured that the product chosen will be the one that best meets your needs as we understand them.
Financial planning differs from financial advice. St Albans clients coming to us for financial planning will find that, rather than just receiving advice on financial products, they will be involved in an in-depth process that gets to know their current financial situation and future aspirations.
During the financial planning process, we’ll be using our 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, then we’ll put a plan in place to keep you on track, being sure to account for any hitches along the way that might take you off track. If it isn’t, then we’ll devise a solution to get you to where you want to be.
Yes, we are regulated to provide pension and retirement planning advice. Whether we’re looking at whether you’re on track to meet your retirement goals with your current pensions, putting a plan in place to make sure your pensions and investments are sufficient to keep you financially independent throughout retirement, or advising you on your options for drawing your pension, you can rely on our commitment to helping you glean as much happiness as possible from the money you have.
Yes, at Lumos Financial, we are authorised to provide independent financial advice on equity release. St Albans homeowners are welcome to talk to us and discover whether they qualify and how much can be released.
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 St Albans. 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.
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.
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.