Ross Lacey - LB Financial Solutions Ltd

Independent Financial Adviser  LB Financial Solutions Ltd, Rayleigh, Essex, SS6 9PJ
First meeting at adviser's own cost
I am a highly qualified Chartered Financial Planner and IFA with over 13 years' experience and provide straight talking, independent financial advice. Initial meetings are without charge and can be held at your home/place of work, or at my office. I provide expert advice on a number of areas including; savings, investments, pensions, inheritance tax planning, mortgages and protection insurance (eg life, critical illness and income protection). Get in touch for a free no obligation chat to discuss how we can help.
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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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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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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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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Accident & sickness
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Buildings and contents
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Critical illness
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Healthcare
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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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Long term care
Response rating
9.0/10
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FCA authorised
Last authorised 21st September 2020
Meet our advisers
Ross Lacey
Chartered Financial Planner / IFA

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

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

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 helps advisers develop and demonstrate their financial planning capabilities. 

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.

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

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

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

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

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

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

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 UK regulation environment in the financial services industry, mortgage products, repayment options and the giving of mortgage advice.

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

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

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

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

Accreditations
Chartered Financial Planner
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

I work as part of LB Financial Solutions – an established firm of financial advisers and accountants with offices in London, Chelmsford, Ipswich and Colchester.

Please visit my website (link at the bottom) to find out more & arrange a free consultation.

I live in Rayleigh with my wife Lydia and have a wide mix of pastimes including DIY, gardening, visiting historic places and attending as many car shows as I can.

As a Chartered Financial Planner with over thirteen years' experience, I am highly qualified and able to provide expert, independent, regulated advice on a number of areas including; savings, investments, pensions, inheritance tax planning, mortgages and protection insurance (eg life, critical illness and income protection).

Life is not a rehearsal. I believe my role is helping clients find the right balance between living life to the full today whilst keeping a watchful eye on and planning for tomorrow.

I do this by providing straight talking financial advice tailored to you; combining old fashioned personal service with the latest technology and research.

Initial meetings are without charge and can be held at your home/place of work, or at my office in Chelmsford.

Our services

Want to ensure your family are adequately provided for in the event of a serious illness, accident or death?

Have cash you'd like to consider investing to generate growth or provide an income?

Have one or more pensions but aren't sure if they are invested in the most appropriate, cost effective way?

Have existing savings and investments but wonder if they are the best suited available to you, or structured in the most tax efficient way?

Plan to retire in the next few years and want to know your options?

Want to get "financially organised"?

Then please get in touch.

Where to find us
Head office address: LB Financial Solutions Ltd, Swift House, 18 Hoffmanns Way, Chelmsford, Essex, CM1 1GU
Preferred clients
Minimum wealth (income/assets)
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Minimum pension value
£0
Minimum mortgage value
£0
Advice methods
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    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 21st September 2020

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