Stevenage
Financial Advisers

There is no standard route to financial security. What is right for someone starting their career will be very different from what may be appropriate for a family with a mortgage, or someone approaching retirement with several pension arrangements.

Our Financial Advisers work with individuals, couples and families across Stevenage and the surrounding Hertfordshire area, looking at your finances as a whole before providing appropriate recommendations. By considering your current position alongside your future plans, we can help you make better-informed financial decisions and understand how different parts of your financial arrangements can work together.

Retirement can seem a long way off, but decisions made during your working life can have an important bearing on your financial options later on. For those already approaching retirement, there may be equally important decisions about when to retire and how to turn accumulated pension savings into an income.

Our advisers can review your pension arrangements and help you understand what they could mean for your future. We can consider the different options for accessing pension benefits, including drawdown and annuities, while taking account of your wider financial circumstances. We can also help you explore whether your existing pension savings and other assets are likely to support the lifestyle you envisage during retirement.

Investing is often about achieving something specific, whether that is building longer-term wealth, creating additional income or putting money aside for a future objective. Our Chartered Financial Advisers provide investment advice based on your individual circumstances. We consider factors such as your investment timeframe, objectives, attitude to risk and capacity for loss when developing recommendations.

If you already hold investments, we can also review your arrangements and consider whether they remain appropriate for what you are now trying to achieve. Your financial priorities can change over time, so your investment strategy may need to change with them.

As your financial position develops, managing your wealth can become more complicated. You may have accumulated pensions, investments, savings and property while also having competing priorities such as helping family members, funding retirement or planning for the future. Our wealth management advice provides a broader view of your finances. We work with you to establish what you want your wealth to achieve and develop a strategy that takes your current circumstances and longer-term objectives into account. For clients in Stevenage, this can provide a more coordinated approach to managing and protecting wealth throughout different stages of life.

Building wealth is often a lifelong process, and many people eventually want to think about what will happen to their assets when they are no longer here. Inheritance tax planning can help you understand your potential position and consider appropriate ways of organising your financial affairs. Our advisers can work with you to explore suitable strategies based on your circumstances, objectives and plans for your family. Planning ahead can be particularly important where you have accumulated significant assets or want to provide financial support for children or grandchildren in the future.

Financial planning is not only about building wealth. It is also about considering what could happen if your circumstances change unexpectedly. Protection planning can help you consider how you and your family might cope financially if you were unable to work, became seriously ill or died. Depending on your circumstances, this could involve reviewing areas such as life cover, critical illness protection or income protection. Our advisers can help you assess your existing protection arrangements and identify whether there are gaps that may need to be considered. The appropriate level and type of protection will depend on your personal circumstances, financial commitments and the people who rely on you.

For many Stevenage residents, buying a home is one of the most significant financial decisions they will make. Whether you are purchasing your first property, moving to a new home or reviewing your current mortgage, professional advice can help you understand the choices available. Our advisers can assess your circumstances and provide mortgage advice based on your individual requirements. We can also consider how your mortgage fits into your wider financial plans, rather than looking at the borrowing in isolation.

Stevenage has a diverse community, with young professionals, first-time buyers, families, established homeowners, business owners and people approaching retirement all facing different financial questions. At Lonsdale, we understand that financial advice needs to reflect those differences. We listen to what you want to achieve and provide recommendations based on your individual circumstances rather than making assumptions based on your age or financial position. Our relationship with you can continue over the longer term, giving you the opportunity to review your financial arrangements as your life and priorities change.

Our team includes Chartered Financial Advisers and Independent Financial Advisers who are committed to providing professional and personal financial advice. As independent advisers, we are not restricted to recommending solutions from a single provider. This means we can consider options from across the relevant market when developing recommendations, subject to your circumstances and the scope of advice required. We also believe financial advice should be understandable and will explain the options available to you clearly.