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Financial advice

Personal financial advice

Lighthouse Financial Advice has been providing Prospect members with professional financial advice since 2007. Part of Lighthouse Group, they are one of the most respected financial advice companies in the UK.

Members - use the login at the top right of this page to get more information.

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Financial peace of mind – make it happen

You work hard for your money but is your money working hard for you? Maybe you know you should be doing something about your finances but don’t know who to turn to for advice you can trust. Yet the sooner you take action, the more likely you are to achieve your financial goals.

For instance, do you know how you would pay your bills if you fell ill? Or if you could save hundreds or even thousands of pounds on your mortgage? Or the most appropriate way of taking your pension. Or whether you could afford to retire early? Or if your savings could be more tax-efficient? Or how you could help your children or grandchildren financially?

We can help you whatever your circumstances and stage in life. The advice we provide is practical, affordable and specific to you and could improve your financial situation.

Complimentary financial check-up

As a member of Prospect you are entitled to a no obligation, complimentary consultation with one of our professional advisers. They can meet you at home, at work, or elsewhere, (or phone you), ask you about your circumstances and objectives and explain whether you could benefit from advice on issues such as:

  • building up a nest-egg tax-efficiently, for yourself or for your children or grandchildren
  • protecting your family’s income, so they have enough money if the worst happens
  • boosting your pension provision, so you will be able to enjoy a comfortable retirement
  • taking your pension and getting the best possible income
  • passing on your wealth to your loved ones in a tax-efficient way
  • other aspects of financial planning.

Call freephone 0800 085 85 90, visit the Lighthouse website or email appointments@lighthousefa.co.uk to arrange your complimentary, no obligation, appointment.

Thinking about accessing your pension? Talk to us before you do anything

Deciding how to secure the income you need for the rest of your life is one of the biggest decisions you will ever have to make. Once you have made your decision it may well be impractical to revise your choices.  While the “pension freedom” rules are, on the whole, for the better, they make drawing your pension more complicated; wrong decisions could have costly and far-reaching consequences. We can help you understand your options and take informed decisions.

Independent mortgage advice at preferential rates

Your mortgage is likely to be your biggest financial commitment and your home may well become your biggest financial asset. It therefore pays (quite literally) to get it right. We are offering Prospect members access to independent mortgage advice for a preferential fee. Our job is to find you the right mortgage whatever your situation:

  • moving home
  • first-time buyers
  • raising capital
  • buy-to-let
  • right to buy
  • buying a second home.

Our independent mortgage specialists will explain the various types of mortgages and recommend the most appropriate for your circumstances. They will then search the market to find a suitable deal for you and guide you through the application process, ensuring that you secure the mortgage you need at a competitive rate. Importantly, they will also recommend ways of protecting your mortgage payments against the unexpected.

We are offering this service to Prospect members at the preferential rate of £249 per mortgage, payable when you have received a suitable mortgage offer. This fee may be offset against their fee for any additional advice about insurance and protection policies that you take out through us when taking out your mortgage. You are also likely to have other costs to pay, for instance legal and lender fees.

Seminars on topical financial planning issues for Prospect members

Each year we organise hundreds of seminars in the workplace or other suitable venues on a wide range of financial planning topics. These seminars have a relaxed, informal atmosphere. Topics can include:

  • accessing your pension and planning for retirement
  • planning for redundancy
  • income and wealth preservation
  • savings and investments.

Alternatively, you may prefer to hold a surgery, where members book 30-minute, individual, confidential consultations with one of our experienced financial advisers.

To discuss holding a seminar or surgery near you, please email events@lighthousefa.co.uk.

To find out more about how Lighthouse Financial Advice can help you, click here to go to the section of our website dedicated to Prospect members.

About Lighthouse Financial Advice

We are one of the largest providers of expert financial advice in the UK. Tens of thousands of people around the country rely on our advisers to make their money work harder.

We can help you make the most of your money whatever your circumstances. We look at your current overall financial position, talk to you about what you would like to achieve, listen to your concerns and make recommendations that match your lifestyle and aspirations. You can then relax, in the knowledge that your finances are organised in the way that suits you.

Lighthouse Financial Advice is part of Lighthouse Group plc, a company listed on the Alternative Investment Market (AIM), which provides financial advice to personal and corporate clients through more than 400 specialist advisers located throughout the UK.

Advisers benefit from the extensive resources and expertise of Lighthouse Group. This includes investment research and best practice, pension issues, funding long-term care, releasing equity from your home, mortgages and employee benefits.

Their success is built both on the quality of their advice and on their strong local presence. Between them, Lighthouse Financial Advice advisers cover most areas of the UK, so there should be an adviser near you.

Important information

The value of your investments can go down as well as up, so you could get back less than you invested. Tax advice which contains no investment element is not regulated by the Financial Conduct Authority. Your home may be repossessed if you do not keep up repayments on a mortgage or other loans secured on it. Business buy-to-let mortgages are not regulated by the Financial Conduct Authority.

Lighthouse Financial Advice Limited is an appointed representative of Lighthouse Advisory Services Limited, which is authorised and regulated by the Financial Conduct Authority. Lighthouse Financial Advice Limited and Lighthouse Advisory Services Limited are wholly owned subsidiaries of Lighthouse Group plc. Registered address: 26 Throgmorton Street, London EC2N 2AN. Registered in England No. 4795080.

Lines are open 8am-8pm Mon-Fri, 9am-1pm Sat. For textphone first dial 18001. Calls may be recorded for training and monitoring purposes.

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Members - use the login at the top right of this page to get more information