Lonsdale Wealth Management

Independent Financial Adviser  3 Curo Park, St Albans, Hertfordshire, AL2 2DD
First meeting at adviser's own cost
We offer value for money independent financial advice. Voted a top 50 UK financial adviser by the Financial Times (2018)
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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Building your home
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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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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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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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Healthcare
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Income protection insurance
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Life insurance
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Payment protection 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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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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Stockbroking services
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Long term care
Response rating
7.0/10
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FCA authorised
Last authorised 16th November 2020
Meet our advisers
Steve Cook Dip PFS
Director

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

Simon Armstrong Dip PFS BSC Mech Eng
Independent Financial Adviser

This examination assesses a knowledge and understanding of the various pension products, the pension tax regime and retirement needs.

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

At the end of this unit, candidates should be able to demonstrate an understanding of the: main tax and legal frameworks that govern the accumulation phase of building up retirement benefits under registered pension schemes; features of defined contribution and defined benefit pensions; choices faced by early leavers and use of transfer value analysis; State retirement benefits available, including the risks and suitability of contracting out of the State Second Pension.

This examination assesses a knowledge and understanding of financial protection plans.

This examination assesses a knowledge and understanding of investment products and the risks involved.

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.

Simon Hawker Dip PFS BA (Hons) Applied Social Science
Director

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

At the end of this unit, candidates should be able to demonstrate an understanding of: the supervisors role in a regulated organisation; recruitment, training, attaining competence, maintaining competence and supervising competence; management information and performance standards; Financial Services Authority rules and guidelines in respect of competence and supervision; the legal and regulatory aspects of employment and supervision.

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

This examination assesses a knowledge and understanding of investment products and the risks involved.

Mark Bowen DIP PFS
Consultant

This examination assesses a knowledge and understanding of the various pension products, the pension tax regime and retirement needs.

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.

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.

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

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

This examination assesses a knowledge and understanding of financial protection plans.

This examination assesses a knowledge and understanding of investment products and the risks involved.

Richard Porter Dip PFS BA (Hons) Financial Economics
Director

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

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

This examination assessed the knowledge and understanding of economic factors that affect risk from different investments, product features and regulatory framework of retail investments, taxation liabilities and portfolio planning.

What our clients say
‘My financial adviser, Richard Porter, based in St Albans gave me excellent pension advice regarding my pension transfer. Richard's speciality is retirement planning and his cash flow forecasts reassured me. I would recommend Lonsdale Wealth Management to anyone requiring financial planning advice.’
Mrs B, Harpenden
Richard Porter is always extremely helpful and responsive and I would unreservedly recommend him to anyone who is interested in finding an independent financial adviser.”
Mr M, Hertfordshire
Simon provided an excellent service and talked through my options so I could understand everything completely. He was very personable and I would have no hesitation to recommend your Company to anyone who needs financial advice.
Mrs T, St Albans
About us

Lonsdale Wealth Managenent part of Lonsdale Services is a financial planning business, focused on helping you understand and plan for your financial future. In 2018 The Financial Times voted Lonsdale Services one of the top 50 financial advisers in the UK.

The company is founded on four key principles – honesty, integrity, reliability and value. Our Independent Financial Advisers work from 7 offices across the United Kingdom - St Albans, Barnet, Ware, Stafford, Ringwood and Leeds.

In 2018 Lonsdale Services won the Retirement Planner Award (RPA) for Best Individual Pension Advice firm in the South East and Anglia, and we were ‘highly commended’ in the Estate Planner Adviser category. In 2017 we won the RPA Outstanding Customer Care award.

Our qualified team of Independent Financial Advisers have considerable financial experience. Many of them have offered local independent financial advice within their local community for several years, and built up a large local client base. All our Independent Financial Advisers have their individual areas of financial expertise, so they benefit from having the support of colleagues with experience in specialist disciplines.

Lonsdale Mortgages is part of Lonsdale Services. Our St Albans Mortgage Brokers work alongside our Independent Financial

Our services

We provide both focused and holistic independent financial advice for individuals, on investments, savings, estate planning, pension and retirement planning. We offer non-investment insurance (for example life assurance, private medical insurance, critical illness cover).

We like to educate our clients and agree their attitude to risk before we recommend suitable financial products for them.

Lifetime Cash Flow Modelling – We are able to undertake a full analysis of your current financial position and combine that with your aspirations and goals

Where to find us
Head office address: 3 Curo Park, Frogmore, St Albans, Hertfordshire, AL2 2DD
Preferred clients
Minimum wealth (income/assets)
£100,000
Minimum pension value
£100,000
Minimum mortgage value
£0
Advice methods
  • phoneButton
    Telephone
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    Online (Live chat, video, email)
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    Face to face
Compliance

Your home may be repossessed if you do not keep up repayments on your mortgage.

Response rating
7.0/10
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FCA authorised
Last authorised 16th November 2020

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