Lowndes Halsden is a fast growing wealth advice business with principal offices in Cardiff. Lowndes Halsden offers 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.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 website or book for a free appointment.
Served areas
- South Wales & Surrounding Areas
Services
Life Insurance
Report
The aim of life insurance cover is to provide money for people who financially depend on you. Whilst we hope to live a long health life, it may be prudent to plan for the worst.
If there is no one who will be financially distressed by your death, life assurance is probably not essential, though there are other reasons why it would be useful.
One simple question: “if you were in a fatal traffic accident tomorrow, would anyone else be left in the financial mire? ”
If the answer is “yes”, then we should discuss your insurance needs, in order to ensure that you and your dependents needs are properly catered for.
There are lots of different types of insurance available and it can be confusing. Our advisers will explain the difference between life insurance and assurance plus any other options that might be in your best interests
If there is no one who will be financially distressed by your death, life assurance is probably not essential, though there are other reasons why it would be useful.
One simple question: “if you were in a fatal traffic accident tomorrow, would anyone else be left in the financial mire? ”
If the answer is “yes”, then we should discuss your insurance needs, in order to ensure that you and your dependents needs are properly catered for.
There are lots of different types of insurance available and it can be confusing. Our advisers will explain the difference between life insurance and assurance plus any other options that might be in your best interests
Mortgages
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The mortgage market is a complex area. At any one time there may be over 3000 different mortgage options, only some of which will meet your needs. Lowndes Halsden is impartial and we have no allegiance to an estate agent or a vendor you are buying through or from. All of our expert mortgage advisers have vast product knowledge.
Buying a Property? – we can find the most suitable mortgage for you, be it fixed, variable or discounted.
Clearing Debts? – if you have accumulated large overdrafts or credit card bills, and are finding it hard to reduce the outstanding balances, then a Remortgage can be used to reduce your monthly payments, especially if you bought your existing property a few years ago.
Starting a Business? – a remortgage can be a very effective way of raising the capital you need.
For many buying a house can be an exciting but also daunting prospect. Having an experienced independent mortgage broker to help you through the process can save you stress, time and money.
Buying a Property? – we can find the most suitable mortgage for you, be it fixed, variable or discounted.
Clearing Debts? – if you have accumulated large overdrafts or credit card bills, and are finding it hard to reduce the outstanding balances, then a Remortgage can be used to reduce your monthly payments, especially if you bought your existing property a few years ago.
Starting a Business? – a remortgage can be a very effective way of raising the capital you need.
For many buying a house can be an exciting but also daunting prospect. Having an experienced independent mortgage broker to help you through the process can save you stress, time and money.
Pensions
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Pensions are financial tools whose purpose is the provision of money in later life. Because it is considered good public policy to try and get people to save for their own retirement (rather than rely on the State) pension funds are given special tax treatment.
Over the years, however, governments have changed the system so much that it is all highly complex (much more complex than it should be) .
The good news is that we are living longer. So, very often, we are living beyond retirement for longer. The not so good news is that in the future it is unlikely that the state will be able to fully support a far higher proportion of the population as pensioners.
The answer is good pension planning for everyone and it’s more important than ever.
Over the years, however, governments have changed the system so much that it is all highly complex (much more complex than it should be) .
The good news is that we are living longer. So, very often, we are living beyond retirement for longer. The not so good news is that in the future it is unlikely that the state will be able to fully support a far higher proportion of the population as pensioners.
The answer is good pension planning for everyone and it’s more important than ever.
Investments
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It is our role as an IFA to help you choose the right investments in order to help you meet your objectives. What you need to give some thought to is what those objectives are. This is an area in which compromise and self-understanding are essential.
Broadly speaking everyone wants investments which are safe, in the sense that they cannot fall, and which offer high returns. This ideal combination is not available. Beware anyone who claims otherwise.
Sensible investment planning revolves around understanding what your investment aims are. The longer that your investment is to be left alone, (e. g. for retirement) , the higher level of short-term risk that is acceptable. If however the money is needed in full in the near future (e. g. for a house deposit) then short-term safety is essential.
In short, we will help you determine an investment strategy appropriate for your needs, and using the investments best suited to your investment attitude and tax position.
Broadly speaking everyone wants investments which are safe, in the sense that they cannot fall, and which offer high returns. This ideal combination is not available. Beware anyone who claims otherwise.
Sensible investment planning revolves around understanding what your investment aims are. The longer that your investment is to be left alone, (e. g. for retirement) , the higher level of short-term risk that is acceptable. If however the money is needed in full in the near future (e. g. for a house deposit) then short-term safety is essential.
In short, we will help you determine an investment strategy appropriate for your needs, and using the investments best suited to your investment attitude and tax position.
Reviews (15)
Sophie Edwards
Jun 17, 2022
David Gully
Apr 03, 2021
Absolutely Brilliant! Our friends recommended Lowndes Halsden to us. We were so excited as first time buyers to get on the property ladder and we hadn't seen a Financial Adviser before. They provided us with clear and sensible advice. This firm helped us every step of the way since we didn't have a clue. We have had a few annual reviews since then and now understand the importance of regularly checking our finances to ensure we are continually getting value for money.
I feel I am in control of finances since the providers out there have a habit of creeping up their costs each year hoping the average person won't notice and accept the increases. We don't accept these increases and Lowndes Halsden helps us shop around for either the best prices or products or both. We also took out some stock market investments that we pay a fee to have managed.
These have already performed well and hope these will increase our nest egg for our future. I would definitely recommend Lowndes Halsden to my friends and family. Thank You. David Gully
I feel I am in control of finances since the providers out there have a habit of creeping up their costs each year hoping the average person won't notice and accept the increases. We don't accept these increases and Lowndes Halsden helps us shop around for either the best prices or products or both. We also took out some stock market investments that we pay a fee to have managed.
These have already performed well and hope these will increase our nest egg for our future. I would definitely recommend Lowndes Halsden to my friends and family. Thank You. David Gully
David Gully
Jul 07, 2020
Absolutely Brilliant! Our friends recommended Lowndes Halsden to us. We were so excited as first time buyers to get on the property ladder and we hadn’t seen a Financial Adviser before. They provided us with clear and sensible advice. This firm helped us every step of the way since we didn’t have a clue. We have had a few annual reviews since then and now understand the importance of regularly checking our finances to ensure we are continually getting value for money.
I feel I am in control of finances since the providers out there have a habit of creeping up their costs each year hoping the average person won’t notice and accept the increases. We don’t accept these increases and Lowndes Halsden helps us shop around for either the best prices or products or both. We also took out some stock market investments that we pay a fee to have managed. These have already performed well and hope these will increase our nest egg for our future. I would definitely recommend Lowndes Halsden to my friends and family.
I feel I am in control of finances since the providers out there have a habit of creeping up their costs each year hoping the average person won’t notice and accept the increases. We don’t accept these increases and Lowndes Halsden helps us shop around for either the best prices or products or both. We also took out some stock market investments that we pay a fee to have managed. These have already performed well and hope these will increase our nest egg for our future. I would definitely recommend Lowndes Halsden to my friends and family.
Claire J.
Jun 25, 2020
I live local and past the offices of Lowndes Halsden most weeks but I never knew what they did. They came highly recommended, by a couple of colleagues of mine, a few years ago and I decided to try them as the first appointment was free and with no obligation. The staff have always been friendly and professional which makes me feel confident and at ease.
They explain everything very well and in a manner I understand. I can easily say that this is the best financial service I have ever received and I’ve tried a few in the past. I have now recently had my third annual review and I can actually say I do enjoy seeing my financial adviser since he puts my finances in the best place and I have been happy with everything he has recommended to me.
In the recent uncertain times they have kept me on track which has given me peace of mind. I would without hesitation recommend Lowndes Halden to my friends and family. Many thanks. See you next year.
They explain everything very well and in a manner I understand. I can easily say that this is the best financial service I have ever received and I’ve tried a few in the past. I have now recently had my third annual review and I can actually say I do enjoy seeing my financial adviser since he puts my finances in the best place and I have been happy with everything he has recommended to me.
In the recent uncertain times they have kept me on track which has given me peace of mind. I would without hesitation recommend Lowndes Halden to my friends and family. Many thanks. See you next year.
Thomas Espley
Jun 21, 2020
Absolute pirates. We were young and naive so thought going to a financial advisor before we set out on our first mortgage would be sensible. We got signed up for house insurance on our home purchase that was overpriced by about 800. We also got signed up for a private pension with an initial charge of 4% and an ongoing charge of 1.5% every year, despite no ongoing service from LH.
This is in addition to the fund charge of 0.35% from Aviva. It is only now, years later, that I am financially literate enough to realise what an utterly despicable service this truly was. The fees are beyond extortionate, and LH clearly just saw us as ignorant paychecks to be abused. I wouldn't recommend these lot to my worst enemy.
This is in addition to the fund charge of 0.35% from Aviva. It is only now, years later, that I am financially literate enough to realise what an utterly despicable service this truly was. The fees are beyond extortionate, and LH clearly just saw us as ignorant paychecks to be abused. I wouldn't recommend these lot to my worst enemy.
Claire J.
Jun 14, 2020
I live local and past the offices of Lowndes Halsden most weeks but I never knew what they did. They came highly recommended, by a couple of colleagues of mine, a few years ago and I decided to try them as the first appointment was free and with no obligation. The staff have always been friendly and professional which makes me feel confident and at ease.
They explain everything very well and in a manner I understand. I can easily say that this is the best financial service I have ever received and I've tried a few in the past. I have now recently had my third annual review and I can actually say I do enjoy seeing my financial adviser since he puts my finances in the best place and I have been happy with everything he has recommended to me.
In the recent uncertain times they have kept me on track which has given me peace of mind. I would without hesitation recommend Lowndes Halden to my friends and family. Many thanks. See you next year.
They explain everything very well and in a manner I understand. I can easily say that this is the best financial service I have ever received and I've tried a few in the past. I have now recently had my third annual review and I can actually say I do enjoy seeing my financial adviser since he puts my finances in the best place and I have been happy with everything he has recommended to me.
In the recent uncertain times they have kept me on track which has given me peace of mind. I would without hesitation recommend Lowndes Halden to my friends and family. Many thanks. See you next year.
David J.
Feb 02, 2020
Tony Cardiff
Jan 01, 2018
Nicola Drew
Dec 31, 2012
I was personally recommended to go to Lowndes and I found it a breath of fresh air. They spoke to me 'normal' and did not use jargon that just made feel stupid or uncomfortable. They have no sales pressure tactics and allow you go away and think about everything that was discussed. My first meeting was free and my second follow up meeting was too. I wish I had been recommended to Lowndes years ago.
Sam H.
Nov 27, 2012
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.
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.
Sam Smart
Nov 25, 2012
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 saved me nearly a hundred pounds a year and I had to do very little to get this saving. Thanks
Lisa Williams
Nicola Drew
I was personally recommended to go to Lowndes and I found it a breath of fresh air. They spoke to me 'normal' and did not use jargon that just made feel stupid or uncomfortable. They have no sales pressure tactics and allow you go away and think about everything that was discussed. My first meeting was free and my second follow up meeting was too. I wish I had been recommended to Lowndes years ago.
Sam H.
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.
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.
Tony Cardiff