My name is Simon Lowndes and I am the Principal of LAD IFC Ltd we have been trading as a directly authorised and regulated fully independent limited Company since 2005. I personally have been a Regulated Adviser for nearly 31 years - the last 20 as an ''Independent Financial Adviser'' specialising in ''pensions'' and ''investments''.
Lowndes Alexander Daniel have built an enviable reputation within the world of retirement planning by being different. We have successfully avoided a ''next sale'' culture and evidence this in the way we treat our clients. We are aware of the ever-changing developments within the financial services industry and work hard to provide the most suitable products combined with tailored advice.
Lowndes Alexander Daniel have built an enviable reputation within the world of retirement planning by being different. We have successfully avoided a ''next sale'' culture and evidence this in the way we treat our clients. We are aware of the ever-changing developments within the financial services industry and work hard to provide the most suitable products combined with tailored advice.
Services
One of the most significant areas within independent financial advice encompasses pension and retirement planning. The same disciplines and processes applied to investment planning apply equally to retirement planning. After all, a pension is an investment within a suitable wrapper or retirement plan.
Having your present pension reviewed is very likely to be the best financial decision you ever make. Often your pension is your second biggest asset after your property and for many people, it may even be their biggest. So why don't we know more about our pensions and give them a regular M.O.T in the same way we do our car?
Our starting point is that moving to an alternative arrangement from a defined benefit pension scheme won't be right for most people unless one or more of the following is an important consideration for them.
Flexibility: You want or need greater flexibility in your arrangements overall than your defined benefit pension scheme offers, for example you want to retire earlier than it will let you, or it offers benefits for a spouse or civil partner, but you are single and would like to leave benefits to another person.
Flexibility: You want or need greater flexibility in your arrangements overall than your defined benefit pension scheme offers, for example you want to retire earlier than it will let you, or it offers benefits for a spouse or civil partner, but you are single and would like to leave benefits to another person.
Initial meeting or telephone discussion without obligation; and, without direct advice as to whether you should proceed or not. Our objective is to supply as much independent information as you require and build a frame of reference for you to decide if you wish to discuss further? Full information given about time frames and our process - including full details of charges and fees involved.
Keith is 55 from Manchester. He is struggling with his health due to working for many years in manufacturing and wants to retire now. Keith also has a family history of heart disease. Keith wants the flexibility to take more now, and less in the future - something his scheme cannot offer. In also being conscious of his ill health, Keith is aware that his wife would only receive 50% of his scheme pension if he passes away.
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