Financial Adviser Watford

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

Independent Financial Advice for Watford Professionals

Lumos Financial is the independent financial adviser Watford business owners and senior professionals depend on to protect their wealth, so that they can enjoy the lifestyle of their dreams, free from financial worry.

Located in Hemel Hempstead, just under ten miles from Watford, our mission is to help those who have a desire for financial freedom in retirement.

Developing ongoing client relationships is something we’ve always been dedicated to at Lumos Financial. This is important, because achieving financial independence is a long term process.

It’s all about getting to know you, giving you clarity around your current financial position, devising a plan to get you to where you want to be, and using our in-depth knowledge and experience to keep you on track to achieve your financial and lifestyle goals.

The independent financial adviser Watford people rate

Continually top rated for advice, service and value on professional review platform VouchedFor, and 5-star rated on Google, Lumos Financial has earned a reputation as one of the most reliable financial advice and wealth management companies in Watford and Hertfordshire.

Our core values revolve around passion, integrity and empathy. The business is firmly founded on the golden rule that we’ll always be upfront with our clients in the exact same way we’d expect others to be with us. We’ll always look at everything from our clients’ perspectives too, understanding not just their desires, but their apprehensions and concerns.

By helping you build, preserve and protect your wealth over time, we aim to see you enjoying a wholesome retirement, where you never have to worry that you’ll run out of money.

If you’re looking to work with an independent financial adviser in Watford, you’ll find Lumos Financial a breath of fresh air. We’ve put a ban on jargon in favour of plain English, and are dedicated to keeping things simple. So you’ll enjoy straightforward advice, that’s a breeze to understand.

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 Watford.

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

Seeking financial advice in Watford? Here’s how we can help.

At Lumos Financial, there are lots of ways in which we help business owners and senior professionals gain clarity around their finances and plan for a brighter future.

If, like many, you are confused over the sheer volume and complexity of financial plans and products, we can help by simplifying everything for you.

It could be that you’re eager to understand your current pension plans, how they work, whether they are performing and if they are sufficient to deliver on your goals for retirement. Maybe it’s time for an investment review, to make sure everything is tax efficient, delivering a good return, and on track to meet objectives.

Lumos Financial is qualified to answer all your questions, and we’ll do that in plain English. We offer a 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.

Our offices are in Hemel Hempstead, just 15 minutes by road from Watford. Meet with us in-person or virtually, and together we can take the next step towards your financial freedom.

Why choose Lumos Financial?

Long Term Trusted Advisers

By your side, safeguarding your best interests on an ongoing basis.

Independent Financial Advice

Unbiased advice, with product recommendations from the whole of market.

5-Star Rated

Consistently top-rated for advice, service and value on VouchedFor & Google.


Yes, Lumos Financial is a Financial Conduct Authority (FCA) regulated, fully independent financial adviser covering Watford, Hemel Hempstead, St Albans and Harrow together with the wider areas of Hertfordshire and North London.

There is only one way to be sure that you are receiving unbiased advice that is in your best interests, and that is to take independent financial advice. Watford business owners and senior professionals working with us here at Lumos Financial will have the benefit of access to financial products from the whole of the market.

This means that, 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. From pensions and investments to equity release lifetime mortgages or any other financial product, you can relax, safe in the knowledge that the products we select for you will be those that best meet your needs as we understand them.

Financial planning is different to financial advice. Watford clients working with us will find that, rather than simply being advised on which financial products may best suit their needs, they will be involved in a much more involved process which entails taking time to acquire a good picture of your finances as they stand now, as well as understand your aspirations and concerns.

Part of the financial planning process involves us applying our technical knowhow and experience to discover whether it’s possible to achieve what you desire from what you have at the moment. If it is, then we’ll make a plan to keep you on track, ensuring we allow for any glitches along the way that might knock 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 a regulated independent financial adviser, Watford individuals can benefit from our impartial pension and retirement planning advice.

Whether we’re checking that you’re on track to meet your retirement goals with your current pensions, devising a solution to ensure your pensions and investments are sufficient to ensure you’ll be able to enjoy financial freedom during retirement, or reviewing your pension to provide you with clarity on how it’s performing and your future income options, you can rely on Lumos Financial to explain everything without a hint of jargon.

Yes, at Lumos Financial, we are authorised to provide independent financial advice on equity release. Watford homeowners are welcome to contact us to discover whether they are eligible, and how much they can release tax-free.

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 Watford. 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