Business Details
Trusted Financial Advisers for Your Wealth Management Needs
Lumin Wealth is an award-winning financial advice firm dedicated to helping families achieve long-term financial security and peace of mind. With over 3,500 families trusting us for wealth management, we combine personable financial advice with professional investment management. Our in-house investment team employs a disciplined, long-term strategy with discretionary portfolio management, ensuring timely decisions and detailed quarterly reporting. Clients benefit from personalized financial planning tailored to individual goals, supported by ongoing advice and regular communication.Our mission prioritizes clients' best interests, emphasizing transparency, expertise, and exceptional service. Founded on referrals from satisfied clients, our team of Chartered Financial Planners and industry-qualified professionals brings decades of combined experience. We specialize in pensions, inheritance tax planning, mortgages, and equity release, offering holistic solutions to complex financial challenges. Our commitment to excellence is reflected in our regulatory compliance with the Financial Conduct Authority and continuous focus on client-centric outcomes.
Services
Financial Planning
Investment Management
Pension Consolidation
Inheritance Tax Planning
Equity Release
Mortgage Advice
Retirement Planning
Highlights and features
- Award-winning financial advisory firm with 30+ years of combined expertise
- In-house investment management with transparent, cost-effective strategies
- Personalized financial planning tailored to individual retirement goals
- Ongoing client support with regular financial health check-ups
- Specialized knowledge in pension consolidation and inheritance tax mitigation
Associations and certifications
- Financial Conduct Authority (FCA)
Services
Financial Planning
Our comprehensive financial planning service creates tailored strategies for retirement, tax efficiency, and wealth preservation. We analyze your complete financial picture to develop coordinated plans addressing pensions, investments, and estate planning. With ongoing reviews and adjustments, we ensure your strategy evolves alongside changing circumstances and market conditions.
Investment Management
We offer discretionary investment management with a focus on long-term growth and risk-appropriate strategies. Our team constructs diversified portfolios using ETFs and other instruments, actively monitoring performance against benchmarks. Quarterly investment reviews provide transparency and opportunities for strategic adjustments to optimize returns.
Pension Consolidation
This service specializes in consolidating multiple pension pots into efficient structures. We evaluate existing arrangements to identify cost savings, improve diversification, and align with retirement goals. Our experts ensure compliance with tax regulations while maximizing potential benefits through strategic pension reorganization.
Inheritance Tax Planning
Our inheritance tax specialists develop strategies to minimize liabilities while preserving wealth for beneficiaries. Services include will reviews, trust structures, and gifting strategies. We help clients navigate complex tax rules, including residence nil-rate bands and pension inheritance regulations, to maximize tax-efficient transfers.
Equity Release
We provide regulated equity release solutions for homeowners aged 55+. Our advisers assess suitability for lifetime mortgages, explaining interest roll-up mechanisms and inheritance implications. We help clients access tax-free cash while maintaining property ownership, with options for flexible drawdowns and partial repayments.
People
Martin Cotter
Managing Director / Chartered Financial Planner
With over 30 years' experience, Martin founded Lumin through client referrals. A Chartered Financial Planner and Fellow of the Personal Finance Society, he specializes in retirement planning and wealth management strategies.
Jason Coppard
Financial Planning Manager / Chartered Financial Planner
Jason brings 25+ years of expertise in complex financial planning. Previously heading a boutique IFA practice, he focuses on retirement solutions and cashflow planning while maintaining Chartered status with multiple professional bodies.
James Corcoran
Chartered Financial Planner
Specializing in retirement and wealth management, James holds advanced diplomas and appears regularly in financial media. He hosts Lumin's investment podcast and develops strategic planning methodologies.
Graham Connor
Financial Planning Manager / Chartered Financial Planner
With advanced qualifications in tax and trust planning, Graham addresses complex financial needs. His expertise covers pension transfers, business planning, and retirement strategies for high-net-worth clients.
Joe Fisher
Financial Planning Manager / Chartered Financial Planner
Joe leads the St Albans team with capital markets experience. A Chartered Financial Planner, he develops holistic strategies combining investment management with comprehensive financial planning frameworks.
Questions
What financial planning services do you offer?
We provide comprehensive financial planning covering pensions, investments, inheritance tax mitigation, mortgages, and retirement strategies. Our holistic approach coordinates all aspects of wealth management.
Are you regulated by the FCA?
Yes, Lumin Wealth Limited is authorized and regulated by the Financial Conduct Authority (FCA) under reference number 775068.
How do you charge for your services?
Our fees vary by service type - some are fee-based while others operate on commission structures. We provide full transparency about costs during initial consultations.
Can you help with pension consolidation?
Yes, we specialize in consolidating multiple pensions into efficient structures, helping clients reduce fees and improve investment diversification while aligning with retirement goals.
Do you offer investment management?
We provide discretionary portfolio management with regular performance reviews. Our strategies focus on long-term growth through diversified ETF-based investments.
What areas do you cover?
We serve clients across St Albans, London, Beaconsfield, Bishops Stortford, and Reading through our regional offices.
