Business Details
50+ Years
experience
Your Trusted Chartered Financial Planners in Huddersfield
Established in 1969, we are a family-run firm of Chartered Financial Planners based in Huddersfield. Our third-generation team provides bespoke financial solutions rooted in decades of experience and a commitment to maintaining the highest professional standards. As Chartered status holders, we demonstrate rigorous technical competence and ethical practice, ensuring clients receive impartial, tailored advice. Our reputation across Yorkshire reflects our dedication to understanding individual client needs and delivering long-term financial security. We specialise in pensions, investments, protection, and inheritance tax planning, supported by in-house model portfolios and ongoing portfolio reviews. Our team combines generational expertise with modern financial strategies, maintaining a personal approach that values client relationships over transactional interactions.With a history of adapting to regulatory changes while preserving traditional service values, we continue to serve multiple generations of families. Our office relocation to Park Valley Mills in 2020 demonstrates our commitment to providing a professional environment for client consultations. We maintain transparency in all communications and operations, ensuring clients understand the risks and benefits associated with their financial arrangements. Our ongoing professional development ensures we remain at the forefront of financial planning expertise.
Services
Pensions
Investments
Protection
Inheritance Tax Planning
Model Portfolios
Details
- Year established: 1969
Highlights and features
- We offer 55 years of continuous financial planning expertise since 1969
- Our team includes Chartered Financial Planners with rigorous professional standards
- Third-generation family business providing intergenerational financial continuity
- We maintain in-house model portfolios with active risk and performance monitoring
- Personalised approach prioritising client relationships over transactional interactions
Associations and certifications
- Chartered Financial Planners
Services
Pensions
We provide comprehensive pension planning services tailored to individual retirement goals. Our Chartered Financial Planners help clients navigate personal pensions, SIPPs and SSASs at all stages. From accumulation to decumulation, we offer tax-efficient solutions for phased retirement and income optimisation.
Investments
Our investment services combine over 50 years of experience with active portfolio management. We offer ISAs, investment accounts and bonds alongside proprietary model portfolios across risk spectrums. Regular reviews ensure alignment with clients' financial objectives and market conditions.
Protection
We design protection strategies to safeguard clients against financial risks from unexpected events. Our services include income protection, mortgage cover and business protection solutions. These plans help maintain financial stability during challenging life circumstances while minimising tax implications.
Inheritance Tax Planning
Our tax-efficient inheritance planning services help reduce estate liabilities. We implement strategies to minimise IHT exposure while ensuring smooth asset transfer to beneficiaries. Our approach considers both immediate tax savings and long-term family financial security.
Model Portfolios
We maintain in-house model portfolios tailored to different risk profiles and financial goals. These portfolios undergo regular performance monitoring and adjustment based on market conditions. Our investment team conducts ongoing fund manager reviews to ensure optimal asset allocation and diversification.
People
Michael R. Lumley
Senior Partner & Chartered Financial Planner
With 40 years in financial services, Michael is a Chartered Financial Planner committed to independent advice. He combines professional expertise with personal client relationships, maintaining industry leadership through continuous development.
Richard S. Baxter
Partner & Chartered Financial Planner
A Chartered Financial Planner with three decades of experience, Richard co-founded the LLP in 2008. He maintains strong client relationships while balancing active involvement in local sports and vintage car preservation.
Oliver M. Lumley
Partner, Chartered Financial Planner & Investment Analyst
Joining in 2021, Oliver brings City experience as an Investment Analyst. He combines Chartered status with practical investment management, maintaining strong connections to Yorkshire's financial community.
Adele Bestwick
Chartered Financial Planner
With over 25 years' experience, Adele became a Fellow of the Personal Financial Society in 2012. She specialises in complex financial planning cases, bringing additional expertise to our client services since 2016.
Molly A. Lumley
Paraplanner & Investment Analyst
Returning to Yorkshire from the City, Molly is progressing towards Chartered status. She combines technical analysis with client support, following family tradition in financial services while developing her own expertise.
Questions
What financial services do you specialise in?
We specialise in pensions, investments, protection and inheritance tax planning, offering tailored solutions through our Chartered Financial Planners.
Are you regulated by any official body?
We are Chartered Financial Planners, meeting rigorous professional standards set by the Personal Financial Society and Financial Conduct Authority regulation.
How long have you been in business?
Our firm has been providing financial advice since 1969, making us one of the longest-established independent practices in Yorkshire.
Do you serve clients outside Huddersfield?
While based in Huddersfield, we serve clients across Yorkshire and can provide remote advisory services to clients elsewhere in the UK.
How do you approach investment management?
We use in-house model portfolios across risk spectrums, combining active fund manager engagement with regular portfolio reviews to optimise client investments.
Can you help with retirement planning?
Yes, our pension specialists assist with all retirement planning aspects, from accumulation to decumulation strategies tailored to individual circumstances.
