Independent Financial Advice

Helping To Create, Manage And Protect Your Finances

I am a friendly, experienced and diploma qualified Independent Financial Adviser (and Mortgage Broker) with Lighthouse Financial Advice Limited. I am based in Solihull and provide independent financial advice to individuals and small businesses by recommending products from the entire UK financial market to suit a wide range of financial needs and objectives in the Birmingham, Solihull, Monkspath, Dickens Heath, Knowle, Dorridge, West Midlands, Warwickshire and Worcestershire areas. With such a wide variety of companies, financial products and financial services available, you can be assured you are being provided with a personalised and professional service from an experienced Independent Financial Adviser, whatever your financial planning requirements.
Independent Financial Planning

Many people ask why Independent Financial Advisers are really needed and whether they can be sure that they receive impartial financial advice. If you visit a high street bank for financial advice, you are likely to be introduced to a ‘Tied Financial Adviser’ who will promote the products of the bank, or an insurance or investment company to which the bank has an allegiance.

Unlike a Tied Financial Adviser who can only select from a very limited array of financial products, an Independent Financial Adviser (or Financial Planning Consultant) is able to provide unbiased financial advice and impartial recommendations from hundreds of products and providers available on the open market. With mortgage, investment and pension products changing on a weekly basis, having access to the whole of the market means I can offer a solution to suit your personal circumstances, financial objectives and attitude to risk.

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Don't Forget Your Tax-Free Savings. It's ISA Season!

There have been numerous tax legislation amendments over the last few years, including significant changes to Inheritance Tax (IHT) and Capital Gains Tax (CGT). The annual Individual Savings Account (ISA) allowance increased to £10,680 with effect from 6 April 2011 for all persons eligible and is due to increase again from 6 April 2012. To find out how these changes might affect you, no matter what your financial experience or financial objectives are, I offer a friendly, confidential and independent financial planning service including:

As an Independent Financial Adviser, I aim to build up a close relationship with every client to provide bespoke independent financial advice and offer an ongoing financial service. It is often very complicated and time consuming to investigate and research the wide variety of financial products and services on your own. By appointing an Independent Financial Adviser you will be able to benefit from a professional and unbiased recommendation whether you require investment advice, retirement planning / pension advice, mortgage advice or life assurance / protection advice.

The independent and unbiased financial service I offer can be illustrated according to the following strategic financial planning and independent financial advice process:

  1. An initial meeting takes place with a detailed assessment of your current situation. This meeting includes a discussion about your short, medium and longer-term personal financial objectives, as well as a comprehensive assessment of your attitude to risk. The initial meeting is free of charge and there is no obligation to continue afterwards.
  2. After outlining my assessment of your financial needs and priorities, if you wish to continue with a formal recommendation, comprehensive research is carried out to construct a distinctive financial plan. There is a choice of receiving commission based and/or fee based financial planning advice. The financial plan is then carefully discussed and agreed with you at a second meeting.
  3. The next step is to implement each element of the agreed financial proposal with effective monitoring and active management, which may include subsequent meetings. Regular financial reviews are recommended so that amendments can be made in line with any change in personal circumstances, financial objectives or attitude to risk.