If you want honest, impartial and clear financial advise then Shabbar is the person to speak with. He provided us with an in-depth analysis of our financial health and clear pathway on what we needed to do to secure our future.

My partner found Shabbar via linked in, after lots of reading he met up with Shabbar to discuss plans for our future. Shabbar has been very helpful in explaining everything and has provided useful information regarding our mortgage. We now have our ISA up and running and hope to watch it grow over the many years ahead! Thank you.

I came upon Shabbar at Lumos Financial while looking for a qualified, independent and regulated financial advisor. He was based not too far from me, so I got in touch and we had a chat on the phone which led to a meeting together. Shabbar is a very friendly family man, who comes across as truly genuine and caring. We spent our first few meetings just talking about what I wanted in terms of goals, dreams, retirement etc. It is very important to Shabbar to know what you truly want and so that he can help you reach the goals you desire with the income/investments you have. We meet often and I know I can call Shabbar at any time if I wish. I can also log into my investments and see how they are doing. I am very happy with Shabbar and recommend him to anyone wanting a friendly financial advisor who cares and wants to work for your future.

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.

Can't recommend Shabbar and his team highly enough. Extremely knowledgable, very pleasant to work with and I feel more confident about my financial future having started working with Lumos. The product recommendations I received and the guidance provided had been invaluable but more importantly, they are a team that I can see myself working with for the long-term.

Shabbar was extremely professional throughout our conversations. I really appreciated his honesty. It wasn't quite the right time for me to work with him but I will certainly be contacting him in the future when the time is right!! Couldn't recommend enough!!

Lumos was recommended to me from a friend and from day 1 they really worked with me to understand what I wanted to achieve. Shabbar really took the time to challenge my expectations and drive realistic and achievable goals based on my needs. This isn’t a one size fits all approach and the personal touch really helped to clarify my own thoughts on the future. I would highly recommend!

Approachable, high quality and comprehensive service that was in my interests. Thanks

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.

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!