Lifestyle Financial Consultancy Ltd

Independent Financial Adviser  Imperial Chambers, Hereford, Herefordshire, HR4 9EP
First meeting at adviser's own cost
Independent Chartered Financial Planner specialising in Pensions, Investments, Inheritance Tax & Care Fees Planning and Equity Release call <phone number hidden>
We can advise you on
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Annuity purchase
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Auto enrolment
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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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Stakeholder
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Bad credit
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Building your home
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Buy to let
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Buying commercial property
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Buying first home
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Buying overseas
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Equity release
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Flexible mortgages
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High loan to value
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Next home / Remortgaging
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Right to buy
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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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Traded endowment policies
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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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Commercial motor
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Critical illness
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Healthcare
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Home and leisure
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Income protection insurance
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Large business
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Life insurance
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Payment protection insurance
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Small business
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Travel
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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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Commercial mortgages
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Corporate pension
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Employee benefits
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Group ISA
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Group Pension/Stakeholder
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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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Stockbroking services
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Long term care
Response rating
7.0/10
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FCA authorised
Last authorised 15th January 2020
Meet our advisers
Chris O'Meara APFS Chartered Financial Planner
Director

This qualification assessed the knowledge and understanding of the UK regulation environment in the financial services industry together with types of mortgage products and repayment options and the giving of mortgage advice.

This examination assesses a knowledge and understanding of the Government’s simplified pension taxation regime which came into full effect on 6 April 2006 (A-Day). Eight tax regimes for pensions were reduced to one, radically affecting planning and transactions.

In order to have completed this qualification, individuals were required to obtain three units. These could have been selected from any combination of the available units at that time but must have included the compulsory G10 unit - Taxation and Trusts.

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 assessed a knowledge and understanding of the UK tax system, the law and practice of trusts, but also an ability to advise individual clients on the tax treatment of their investments and the use of trusts to meet their current and foreseeable future needs.

This examination enhanced general pension knowledge, particularly in pension transfers and opt-out business.

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

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

This examination assessed a knowledge and understanding of investments and an ability to advise individual clients on the construction of investment portfolios to meet both their current and foreseeable future needs.

This examination assessed knowledge and understanding of income generating options and applying the knowledge to retirement planning situations.

This examination assessed knowledge and understanding of the range of investments available for planning of pensions and to be able to apply the construction of a pension portfolio management for a client.

This examination assesses a knowledge and understanding of the legislative and regulatory position of home reversion plans and their place in the advice process.

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.

Accreditations
Chartered Financial Planner Later Life Accredited Adviser
What our clients say
Chris apart from being a good adviser is a gentleman & always has time for you & makes you most welcome however busy he is. I have known him for over 10yrs & he has never changed. So far his advice has always benefited me financially.
June Gulvin, Herefordshire
I visited Mr. O'Meara on the advice of my solicitor to help sort my mortgage out. He has been very helpful, and patient, as I really didn\t have a clue!
Lyndsey Fry, Herefordshire
He explains everything very clearly which was important to someone like me who isn't too quick when it comes to finances, I also found him very patient when I was unsure of certain things, I have recommended to friends of mine in similar circumstances to mine
Philip Ashton, Herefordshire
About us

We have the only independent Chartered IFA in the Hereford City area this means that we can provide advice to our clients at the highest level. We specialise in Investment Planning, Occupational & Personal Pensions including Transfers, Retirement Options, Inheritance Tax Planning & Trusts, Long Term Care, Equity Release & Private Medical Cover, Mortgages, Life, Critical Illness & Income Protection. Our initial consultation is free.

Our services

We are as highly qualified as advisers come with our Chartered Independent status, we explain financial matters to our clients in a clear and easy to understand manner, we will talk to your accountant and solicitor on your behalf. We deal with all types of clients from business owners, to individuals including trustees and Attorneys.

Where to find us

Imperial Chambers, Widemarsh Street, Hereford, Herefordshire, HR4 9EP

Preferred clients
Minimum wealth (income/assets)
£0
Minimum pension value
£0
Minimum mortgage value
£0
Advice methods
  • phoneButton
    Telephone
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    Face to face
Response rating
7.0/10
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FCA authorised
Last authorised 15th January 2020

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