Lumos Financial Limited

Independent Financial Adviser  575-599 Maxted Rd, Hemel Hempstead, HP2 7DX
First meeting at adviser's own cost
Helping individuals over 50 and business owners live a life of adventure and retire without financial stress
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 & 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 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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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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OEICs
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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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Estate planning
Response rating
7.0/10
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FCA authorised
Last authorised 6th December 2021
Meet our advisers
MR Shabbar Kassam

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

This qualification assesses a knowledge and understanding of the principles of equity release, the different types of schemes available and the circumstances where equity release is an appropriate solution for the customer.

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.

The Diploma enhances knowledge in core areas such as regulation, investment principles, risk, taxation and personal financial planning using real-life scenarios to develop the essential skills to apply this technical knowledge in practice

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 exam accesses understanding of the financial services industry including regulation and legislation.

This exam accesses understanding of the financial services industry, and its regulation, products and processes.

What our clients say
My wife and I first got in contact with Shabbar a few years ago because we were looking ahead a few years to our probable retirement ages and wanted to get a clear picture of what our finances would look like. We wanted advice on what steps we could take to enhance our pension income and how we could use our savings to their best advantage. Shabbar has helped to make this important aspect of our lives go as smoothly as possible. He took time to get to know us and to find out about our plans for the future and our attitudes towards risk with respect to investments. We have appreciated his very personable manner and professionalism during all of our dealings, whether visiting us in our home, on the phone or via email. Shabbar has clearly explained the various options and recommendations for our finances and put in place all the necessary paperwork to make them a reality.
T Bowen, Horsham
Shabbar of Lighthouse was referred to us to provide advice on our savings and various pension plans. We are very happy with the service and advice we have been given. Shabbar was able to listen to our needs and to make recommendations on investments and pensions and we now have a clear action plan that we understand, something we didn't have before. We have always found Shabbar easy to deal with, pleasant and professional and are happy to recommend him to anyone looking for financial advice.
S Hall, St. Albans
About us

An experienced Financial Adviser and Equity Release specialist, I decided to set up Lumos Financial at the end of 2019 because I wanted to help business owners and individuals over 50 gain absolute clarity and peace of mind about their financial future.

If that’s you, it’s my role to outline your financial plan with absolute precision so that you can see what needs to be done to achieve your goals. Above all, I recognise that money represents far more than just numbers on a statement. It contains the hopes and dreams for you and your family.

Our services

We specialise in helping you understand your pensions and investments in more detail so that you can plan for your retirement. That may be helping you think about questions such as:

When can I afford to stop working or go part-time?
Will I be able to afford my desired lifestyle when I retire?
Will my loved ones be taken care of when I die?

If you’re a business owner, we can also help you make plans for the future to make sure your family is protected and that you’re making the most tax efficient decisions.

But whether we’re advising you on savings, investments, insurance, mortgage, protection, what underpins it all is a desire to help you get the most from your money so that you can achieve your goals. We’re here to light the way ahead with a clear financial picture.

Where to find us
Head office address: 575-599 Maxted Rd, Hemel Hempstead, HP2 7DX
Preferred clients
Minimum wealth (income/assets)
£51,000
Minimum pension value
£51,000
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 6th December 2021

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