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LighthouseTemple LighthouseGroup

Independent Financial Advice

Helping you to create, manage and protect your finances

I am an experienced and qualified Independent Financial Adviser (and Mortgage Broker) with LighthouseTemple Limited, who are part of the Lighthouse Group. With offices in South Wales and Warwickshire, I am able to provide specific financial advice by selecting products from the entire UK financial market to suit a wide range of client's needs and objectives. With such a wide variety of companies, products and 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.
Balancing your financial objectives

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 products, an independent financial adviser (also known as a financial planning consultant) is able to provide unbiased financial advice and impartial recommendations from hundrends of products and providers available on the open market.

For more information, please contact my office on 0800 6345 422 or

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Don't forget your tax-free savings. From March to May every year it's ISA Season!

There has recently been numerous tax legislation amendments including significant changes to Inheritance Tax (IHT) and Capital Gains Tax (CGT). Other amendments have provided increased flexibiltiy with changes to Individual Savings Accounts (ISAs), including an increase in the annual allowance to £7,200 and the transfer of Personal Equity Plans (PEPs) into Stocks and Shares ISAs. Income Tax is also significantly changing, with the lower rate income tax band of 10% being abolished and the basic rate income tax band reducing from 22% to 20%. For low income earners or part time employees earning less than £8,000 per year, this could dramatically increase your annual income tax liability.

To find out how these changes might affect you and no matter what your financial experience or requirements are, I offer a friendly, personal and confidential financial planning service covering a variety of areas including:

The key to being a successful financial adviser is building a close relationship with each client to provide bespoke financial planning advice. It is often very complicated and time consuming to investigate and research on your own, the wide variety of services including investment advice, mortgage advice, life assurance / protection advice and pension advice so that you can plan for your retirement.

The impartial service I offer can be illustrated according to the following strategic financial planning 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 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 or objectives.