Financial Adviser Watford

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.