Financial Adviser St Albans

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.