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Personal Financial Planning Specialists

Lowndes Halsden is a fast growing Wealth Advice business with principal offices in Cardiff. Lowndes Halsden offers fee based independent wealth advice and investment management services to private individuals and businesses. Being named as one of the top 50 ‘Fastest Growing’ companies in Wales, the Company’s vision is to continue its growth as a leading provider of Wealth Advice.

Professional Advice

We place great importance on personal service, and by getting to know your present situation and your future needs and objectives we are able to offer you carefully thought out and imaginative advice. Most of all we act always in your best interest. To find out more, visit our range of services.

Our Services

Investments

Pensions

Life Insurance

Savings

Mortgages

Gas & Electricity

Other

Building & Contents Insurance

Client Testimonials

The means in which your office, specifically Ian dealt with the recent mortgage application for my family was first class. Superb deal secured and swift service. I can not rate it highly enough. Thank you!

R.O

All staff have been very helpful and professional, as well as being reassuring during the lockdown, as well as all reception staff during earlier visits. Thank you.

SD & CT

I have been a client for over 17 years and not once has the quality of service and expert advice waned. Truly exceptional. Pleasant staff Steve and Spencer run a tight ship for the benefit of their clients. Thank you all.

HJC

Lowndes Halsden is a truly professional. Staff are professional and make you feel confident and at ease. my appointment was with a senior consultant (Stuart) and was exactly on time. Everything was explained very well and in plain English. Definitely the best financial service I received. Highly recommended firm

M A

We can’t praise Lowndes Halsden enough. From our initial review to the completion on our home Lowndes have been invaluable.

B.j

We cannot fault the service provided to us. All staff are extremely helpful and friendly. We have received excellent advice and support.

ID & LD

Ian was absolutely brilliant. He made what should have been a stressful process really easy – thank you.

K.T

All staff have been pleasant and professional at all times. This company was highly recommended to us and has met our expectations and I have informed others of the service.

R.D

Great service provided, can’t ask for any better.

C&W.H

Very satisfied with the service felt most welcome and made to feel comfortable. Nothing was too much trouble and I am very happy with the visit to the office.

C&M.B

Stuart made me feel at ease right from the start. He explained things in a clear manner which even I was able to understand. It has been the best service I have ever received. I have recommended him to friends.

C.C

Very good information, review and response – Thank you.

A.H

Ian was very approachable, professional and reassuring. The other staff I have been in contact with when phoning were caring and have been really helpful and warm.

M.B

Easily Recommended Financial Adviser. After having my free meeting with their very knowledgeable adviser I found myself at ease and I understood everything, for once. He explained all my affairs in a way I could understand and never rushed me. Surprisingly, they covered all my financial affairs and even helped in areas I never thought an IFA would since I know they wouldn’t get paid for doing this work. My first meeting was followed up with another free meeting to make sure I was happy and that I understood everything. Friendly, trustworthy and amazing is how I would state Lowndes Halsden and I would recommend them to anyone. Well, I have already and my friend was very impressed also. What have you got to lose!

G.U

Excellent, very professional and have always sorted everything out for us.

L.W

Popped into Lowndes Halsden Cardiff office in Birchgrove (after reading several good reviews online) and one of the nice ladies booked me in for an appointment. I haven’t got much money and I just wanted to make sure what I had was safe and in the best places. In addition, they actually gave me very good advice on most of my monthly outgoing costs like utilities etc and they have and I had to do very little to get this saving. Thanks

S.S

In the 10 years or more that Lowndes Halsden has been my Financial Advisers; I have been impressed and delighted by their sound judgement and by the quality of the advice. It’s no coincidence that both my mother and my wife are also clients of Lowndes Halsden, as they feel the same as I do. Without Lowndes Halsden on our side none of us would have profited as much as we have done while investment conditions have been favourable, and I know that all of our portfolios would have been far more vulnerable in these less than favourable times. In addition to this, they are trustworthy, reliable and are true professionals and I would have no hesitation in recommending Lowndes Halsden to friends or family – as mentioned above. As the previous review states – you have nothing to lose but a small amount of your time since the first meeting is free and I assure you – you will learn something new.

S.H

I have used Lowndes Halsden for over 20 years and I cannot rate their service highly enough, always there when you need them.

S.D

d2eak Solutions Ltd

The initial meeting is without charge or commitment

P.G

In these challenging financial times, it can be difficult to find a firm to trust, which is why Lowndes Halsden come highly recommended to you

D.P

If you like a straight talking, common sense approach to independent financial planning, you’ll like Lowndes Halsden

R.P

Absolutely amazed by the thoroughness and range of advice given to me. At last, I feel in control of my finances – with their help of course. Look forward to the next annual review. Thanks.

P.H

Needed advice regarding charity stuff – They had an in-house Chartered Accountant who could help me understand the technical stuff and allowed me to focus on the advisers recommendations. – made life very easy for me.

S.P

Excellent advice & service – simple and clear – like me! Thanks

T.D

Recommended by a family member. Sounded too good to be true. I had a standard full review and this covered everything and more! Simple and well worth it and as stated on their website I did understand everything by the end of the first meeting. Next annual review in 12 months.

N.D

Full Review which incorporated five times as much as I thought we would cover. He even covered bank accounts, credit cards and my utilities! Many Thanks.

W.B

My investments have been looked after over the last 15 years and the returns are better than I expected. Kind and very helpful.

H.R

Took advice and proceeded with all recommendations – Very happy with service and I was charged very little fees compared to the amount of work Lowndes Halsden performed. Thank you and see you soon.

G.S

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Why Use An Independent Financial Adviser

Choosing an adviser might seem daunting but if you need help with a financial decision it’s worth persevering. A good adviser can save you money and a lot of worry.

An IFA will spot the areas in your personal finances where improvements could be made in order to help you reach where you want to be financially in the future.

They do this by looking at your financial circumstances and building up a picture of what you want your finances to look like in the future.

In the process they will take into account your pension plans, savings, investments, insurance cover, loans, and mortgage, as well looking at how you can make your finances more tax-efficient.

This is achieved by helping you find the right financial products from the whole market, not just one or a few providers. When they do find a product they will make sure it is in your best interests.

IFA’s are regulated by the Financial Conduct Authority (FCA).

How To Choose The Right Independent Financial Adviser

The key to finding the right financial adviser is working out what type of advice you need.

For example, are you looking for help with investing into your pension or a stocks and shares ISA? Are you coming up to retirement? Are you looking for a mortgage or perhaps life insurance? Do you need a full review covering all areas of your finances?

There are lots of reasons why people need advice from an Independent Financial Adviser but there are also lots of different types of speciality, so it pays to know who to go to and when.

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Why Use Lowndes Halsden

All advisers at Lowndes Halsden are Independent and have at least a 'Level 4' professional qualification as recognised by the FCA.

The service offered is a bespoke lifetime financial plan which encompasses all aspects of capital and income management up to and into retirement, protection, tax-efficient investment and estate planning and preservation.

Besides general financial planning, we have an in-house pension specialist and permissions from the FCA to conduct Discretionary Fund Management.

Discretionary fund management is where buy and sell decisions are made for you in line with an agreed investment plan. Spreading funds across different investment types and sectors will help smooth out the returns while still achieving growth, and reduce the overall risk.

Lowndes Halsden is one of only 2% of IFAs in the UK currently authorised to carry out such services and it’s this level of expertise that differentiates us from the other 98%.

We believe it's the responsibly managed nature of our organisation which permits us to manage monies in an environment which maximises returns without taking unnecessary risks.

Managing client funds in excess of £120million, we care and take a pride in what we do. It’s these simple but all important qualities together with our knowledge and expertise which is the basis of our success.

Apart from this website we do not advertise and rely solely on new clients via word of mouth. We believe that a good personal recommendation from someone you know who has used us previously is invaluable, as it will speak volumes about our character and ability. This model is only achievable by maintaining our very high standards of service.

Our initial consultations, which may involve up to two meetings, are without charge or commitment. As a result of preparing our report we will have a much better understanding of what work is required and what the cost is likely to be.