Ross Lacey - LB Financial Solutions Ltd

Independent Financial Adviser  LB Financial Solutions Ltd, Chelmsford, CM1 1GU
First meeting at adviser's own cost
Chartered Financial Planner specialising in working with people in or approaching retirement, business owners, high earners and those going through a major life transition like divorce, bereavement, redundancy, change of career or the sale of a business.
We can advise you on
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Annuity purchase
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Pension consolidation
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Pension drawdown
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Pensions & divorce
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Pensions & retirement planning
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Pensions review
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Pensions transfer
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SIPPs
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Bad credit
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Buy my next home
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Buy to let
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Buying first home
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Equity release
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High loan to value
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Mortgage protection
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Next home / Remortgaging
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Self-employed mortgages
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Wealth management
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Ethical investments
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ISA / Unit Trusts / OEICs
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Investing for income
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Investment trusts
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OEICs
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Offshore investments
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Socially responsible investments
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Unit trusts
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Lump sum
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National savings
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Regular savings
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Savings for children
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School fees planning
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Critical illness
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Income protection insurance
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Life insurance
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Capital gains tax
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Estate planning
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Income tax
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Taxation planning
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Employee benefits
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Group Protection/Life Insurance
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Group critical illness
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Group income protection
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Group life insurance
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Group private medical insurance
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Group risk
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Long term care
Response rating
9.0/10
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FCA authorised
Last authorised 13th September 2021
Meet our advisers
Ross Lacey FPFS Certs CII (MP & ER)
Chartered Financial Planner / IFA

MCSI membership is full membership of the CISI, and denotes a high level of achievement and competence. It is awarded to those with a suitable combination of qualifications and experience

This exam accesses understanding of key retail financial products such as savings, investments and tax wrappers.

This examination assesses the candidate to develop in depth financial planning skills related to personal and corporate pensions.

This qualification assesses a knowledge and understanding of the UK regulation environment in the financial services industry, long term care insurance products and the giving of long term care insurance advice.

This examination assesses the candidate to develop in depth financial planning skills related to investments and the management of investment portfolios.

This qualification assesses a knowledge and understanding of the UK taxation system, and the ability to analyse the taxation treatment of individuals and trusts during the investment advice process.

This qualification assesses a knowledge and understanding of an ability to analyse pension and retirement planning issues.

This qualification assesses a knowledge and understanding of an ability to analyse financial protection planning issues.

This qualification assesses a knowledge and understanding of investment products and the application of the investment advice process.

This examination assesses the candidate to develop an understanding of the financial planning process when giving advice to clients.

This qualification assesses a knowledge and understanding of the UK regulation environment in the financial services industry, mortgage products, repayment options and the giving of mortgage advice.

Having achieved the APFS designation, advisers can go onto to achieve this recognisable benchmark of quality and ethical practice for financial services professionals, elevating financial planning and advice in the public eye to the same standing as other Chartered professions. The holder must demonstrate a combination of experience, financial qualifications, ongoing educational activity (continuous professional development) and ethical behaviour.

This examination assesses a knowledge and understanding of the different types of equity release products, risks to the consumer associated with equity release and application of suitable equity release solutions according to the circumstances of different customers.

This qualification assesses a knowledge and understanding of the financial services industry, including regulation, legislation and the Code of Ethics.

This qualification helps advisers develop and demonstrate their financial planning capabilities. 

This qualification enables professional advisers to develop specialist planning capabilities, covers topics like: personal tax and trust, business financial, pension and investment planning.

To achieve DipPFS individuals must achieve 140 credits. At least 80 credits must be at Diploma or AFPC level.

To achieve the Fellowship grade, individuals would be required to have 10 AFPC (Diploma) units or equivalent. This shows a commitment to continuous professional development.

To achieve the CertPFS (DM) and individual needs to pass 2 diploma units in Regulation and ethics and Discretionary Investment Management

At the end of this unit candidates should be able to analyse and apply financial information and portfolio management skills

This qualification assesses a knowledge and understanding of portfolio investment management. If passed before September 2010 QCF 3 after then QCF 4

This qualification assesses a broad understanding of the principles of private client investment within the context of the current regulatory environment

This qualification assesses a knowledge and understanding of the mortgage process and the principles of equity release.

Accreditations
Chartered financial planner - individual adviser accreditation
What our clients say
Ross took the time to understand my families needs and concerns in additional protection and saving requirements following the birth of my son. He explained things very logically and simply. To me it’s about having someone you feel you can trust and that came across with Ross.
Christopher C, Fobbing
Ross reviewed my existing arrangements and spent a lot of time getting to know me and what my life and financial objectives were. He then advised me on suitable investment opportunities.
James G, Southend on Sea
Ross was a fantastic help taking me through all the aspects of my personal finances. He really took the time to explain things properly in an open and honest way.
Sean T, London
Ross looked at what insurance I get from my job and suggested what could compliment it to make sure I had adequate cover. He also helped work out a plan for investing my cash to target better growth than I could get in a bank account.
Anthony S, Rayleigh
Ross gave me options based on the level of risk I was willing to take. He gave me clear and helpful advice in meetings and emails to help me choose the best investment.
Marika C, Chelmsford
It was very hassle free and Ross explained every step clearly and kept us updated throughout the process. I'm looking forward to our regular catch ups to make sure everything is doing as it should.
Helen B, Ockendon
We had a few pensions and wanted to look at our options. Ross reviewed what we had and recommended which ones were worth moving and sorted it for us.
Terry H, Hockley
I had an initial consultation with Ross and he was very knowledgeable and helpful. He spent lots of time understanding my situation and what I was looking to achieve before suggesting what might be the best route to take with my pensions. It was clear that he had my best interest foremost in his mind.
David G, Chelmsford
About us

Please visit my website (link at the bottom) to get in touch & arrange a free consultation.

We work with people across Essex and surrounding areas to help them make the most of their money through proper financial planning and effective wealth management.

What’s the point I hear you ask?

Time that passes us by is time we will never get back again. By fully understanding what’s possible (or what could be possible), we can use our money to stop wasting time, putting things off, waiting for a tomorrow that may never come.

As an Independent Financial Adviser (IFA), I will of course provide unbiased, tailored advice on investments, pensions, mortgages, insurance and lots of other stuff. These "financial products" are just tools in the bag though, so will not be the initial focus; we need to know why and what we are hoping to achieve before deciding on the right tools for the job.

If you want to find out more about how your money could be used to take control of your time and lifestyle we’d love to hear from you.

Please visit my website (link at the bottom) to get in touch & arrange a free consultation.

Our services

Wealth Management & Financial Planning is our core service.

The ultimate aim of everything we do is to help people live a "better" life by making the most of their money.

The definition of "better" is individual to each person; so too is the advice we give and the plans we put in place.

If you'd like to discuss how we may be able to help you, please visit my website (link at the bottom) to get in touch & arrange a free consultation.

Where to find us
Head office address: LB Financial Solutions Ltd, Swift House, 18 Hoffmanns Way, Chelmsford, CM1 1GU
Service coverage
Preferred clients
Minimum wealth (income/assets)
£0
Minimum pension value
£0
Minimum mortgage value
£0
Special offers
Choose an Unbiased exclusive special offer:
Offers terms
Advice methods
  • phoneButton
    Telephone
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    Online (Live chat, video, email)
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    Face to face
Compliance

Registered in England and Wales under reference 0794 2025.

Registered office address: Swift House, Ground Floor, 18 Hoffmanns Way, Chelmsford, Essex, England, CM1 1GU.

Response rating
9.0/10
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FCA authorised
Last authorised 13th September 2021

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