Financial advice that you can trust
How do you want to plan for your future?
Use our Lonsdale Lifetime Financial Planner to monitor your cashflow and maximise your retirement income and protect your family’s financial security.
We are committed to working in partnership with you to achieve your financial goals. We will be open and honest with you at all times, and act with integrity in everything we do. We believe you have the right to expect value for money from us, which is exactly what we seek to deliver.”
Simon Hawker, Managing Director, Lonsdale
Protecting your employees for life
Lonsdale Benefit Consultants provides a high quality professional financial planning service. We offer you a clearly defined service proposition and a transparent fee structure.
Simon Hawker, Managing Director, Lonsdale
Clients often ask us why they should own investments as they are aware of the volatility of equity markets and other investments. The simple answer is inflation.
Inflation reflects the price increase of a basket of goods and services. For example if inflation was 3.5% prices would double every 20 years - unhelpful for people on a fixed income in retirement.
It is usually vital that savings are able to at least keep pace with inflation, otherwise your capital on paper might be growing but its purchasing power is actually diminishing. If your savings can grow at a higher rate than inflation, you will require less savings in the first instance or they will last longer during retirement.
“Cash is king” is a correct statement for short term expenditure, i.e. for any capital required within the next 3 to 5 years. It is low risk, relatively secure and provides liquidity. However, the returns are low and won’t combat inflation.
Below are the three main asset class alternatives for medium or long term investment, normally between 5-10 years. For more information please refer to the Lonsdale Wealth Management - A Beginner's Guide to Investing.
A way to purchase a small piece of a company and share in the company profits. A company will usually reinvest part of their profits for future growth and pay a proportion to shareholders as a dividend. Over time, rising profits should lead to a rising share price and dividend payments, which help meet or beat inflation. However, over the short-term prices can fluctuate up or down significantly depending on many external factors.
Government Gilts and high-quality Investment Grade Corporate Bonds are a way for the Government (Gilts) and Corporations (bonds) to borrow. They are issued for a fixed term and offer a fixed level of interest (coupon), usually at a higher rate than cash. They won’t beat inflation but are a way to earn more interest than cash whilst taking a low level of risk.
Residential and Commercial Property have the ability to appreciate in value over time. It can also generate an income (buy-to let residential or as a commercial landlord). Therefore, it can be effective as an asset to beat inflation but can also go through periods of decline and at these times can be relatively illiquid.
Clearly there are risks associated with each asset class, which is why diversifying your investment portfolio and owning a combination of them all is often the most effective way to invest. This is also a reason why it might pay to get financial advice from a qualified independent financial adviser. Before we meet you we would recommend you consider the following questions.
There are three common tax-efficient investment products - ISAs, Pensions and Investment Bonds. What is key is selecting the most suitable investments and the most appropriate wrapper for your personal circumstances.
Our approach to investment planning utilises a broad range of products which may include:
Aaron works in Harpenden but offers investment advice and pension advice in central and south London. Aaron has offshore experience so provides financial planning advice to returning expats.
Deb works in our Leeds / Bradford office. In 2017 she won the Retirement Planner Outstanding Customer Care Award for Lonsdale Services with her client case study.
Stewart has worked for almost two decades in financial services helping high net worth individuals with financial planning for pensions, inheritance tax, trusts and investment bonds.
We operate as an Independent Financial Adviser offering a completely new and holistic approach to financial advice and financial planning for you and your family, your company and trustees.
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There comes a point in life when people shift from saving for the future to drawing an income from those savings.
Aaron Abraham our IFA working with clients in Harpenden, London and Wimbledon reviews the findings of The Pensions & Lifetime Savings Association
As a mortgage is secured against your home or property, it could be repossessed if you do not keep up the mortgage repayments.
Lonsdale Services Limited is authorised and regulated by the Financial Conduct Authority. Financial Services Register number: 225488.
The Financial Conduct Authority does not regulate Estate Planning, Lonsdale Pension Trustees Ltd, Tax Planning, Offshore Investments or Lifetime Financial Planning.
The value of tax relief depends on your individual circumstances. Tax laws can change.
Lonsdale Mortgages do not charge a fee for their services, we receive commission from the provider except in instances where we organise additional borrowing for a client with their existing lender, as some providers do not offer commission.
The guidance and/or advice contained in this website is subject to the UK regulatory regime and is therefore restricted to consumers based in the UK.
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