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.
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.
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.
Your home may be repossessed if you do not keep up repayments on your mortgage.
While unbiased.co.uk endeavours to verify the information
provided as thoroughly as possible,
it is your responsibility to ensure the adviser you choose is appropriate and regulated
for the business you are transacting.
Any decision to transact business is made by you on the basis of your own enquiries. To check that an adviser is regulated, you can contact the relevant regulatory or professional body.