Advice Service

Lane Financial Management Ltd are a Chartered Financial Planning Firm that offer independent financial advice. This means that we are not restricted to any providers offerings and that we can research the whole of the market in order to advise you on a solution that best facilitates your objectives.

Our holistic financial planning service involves analysing your current position from all angles so that we can make recommendations that take you from your current position to your desired position.

We offer independent financial advice in the following areas:

  • Savings & Investment planning
  • Retirement planning
  • Tax planning
  • Estate planning (including trusts)
  • Long term care planning
  • Mortgage Planning
  • Protection planning

Investment planning forms the cornerstone of a strong financial plan. It’s not just about chasing short-term gains; it’s about aligning your investments with your unique goals and risk tolerance. Whether you’re aiming for a comfortable retirement, funding your child’s education, purchasing a home, or simply achieving financial security, our tailored investment strategies are designed to make your aspirations a reality.

We understand that investment decisions can sometimes be overwhelming. That’s why we’re committed to transparency and education. Our advisers will walk you through the investment options available, explaining the rationale behind each recommendation. We want you to feel confident and empowered in your choices, knowing that you have a dedicated team supporting you every step of the way.

Investment planning is not a one-time event, it’s an ongoing process. Our team continuously monitors your portfolio’s performance and the broader economic landscape. If adjustments are needed to keep your investments aligned with your goals and risk tolerance, we will make recommendations and execute changes accordingly.

Retirement Planning

Retirement planning is more than just saving money for the future; it’s about designing a roadmap that aligns your financial resources with your post-work aspirations. Whether you dream of traveling the world, pursuing hobbies, spending time with loved ones, or simply enjoying a stress-free retirement, our comprehensive retirement planning services are tailored to make your dreams a reality.

We recognise that each individual’s retirement goals are unique, and a one-size-fits-all approach simply won’t suffice. Our team of experts will collaborate closely with you to create a tailored retirement strategy that considers factors such as your retirement age, desired standard of living, healthcare needs, and potential sources of income. This customised approach ensures that your retirement plan aligns perfectly with your aspirations.

Retirement planning is an ongoing process, not a one-time event. Our commitment to your financial well-being extends beyond the initial strategy implementation. We conduct regular reviews of your retirement plan, adjusting it as necessary based on changes in your life, market conditions, and evolving goals. This proactive approach ensures that your retirement plan remains on track, even as circumstances change.

Tax Planning

At Lane Financial Management Ltd, we believe that tax planning should be an integral part of your overall financial strategy. Our process begins with a thorough assessment of your financial situation, goals, and potential tax obligations. By understanding your unique circumstances, we create a tailored financial plan that positions you for financial success while staying compliant with tax laws.

Our goal is to help you legally minimize your tax liability and maximise your net investment returns, without compromising your financial goals. We’ll analyse your income sources and investments to devise a plan that reduces your tax burden. Whether it’s optimizing tax efficient accounts, managing capital gains, or strategically timing transactions, we’ll implement strategies that work in your favour.

Estate Planning

Estate planning is a critical step in securing your family’s future and preserving your hard-earned assets. It’s about more than just distributing wealth, it’s about ensuring your wishes are honoured, minimizing inheritance tax, and providing for your loved ones even after you’re gone. Whether you have a large estate or modest assets, our estate planning strategies are tailored to meet your unique needs.

Inheritance tax can significantly impact the wealth you are able to pass on to your heirs. Our advisers are well-versed in strategies to minimise inheritance tax and maximise the value of your estate for your beneficiaries. From gifting strategies to establishing trusts, we’ll help you implement measures that help reduce potential tax liabilities.

Long Term Care Planning

We understand that long-term care encompasses a wide range of possibilities, from in-home assistance to assisted living or nursing home care. Our advisers will work closely with you to design a care plan that reflects your preferences and provides for your needs. Whether it involves utilising insurance solutions, setting aside dedicated savings, or incorporating other financial tools, our goal is to ensure you have the resources necessary to maintain your quality of life.

The costs associated with long-term care can be significant and can quickly deplete your savings. Our long-term care planning strategies aim to mitigate the financial impact by identifying potential funding sources, such as long-term care insurance or personal savings. We’ll work with you to find solutions that align with your financial goals and provide you with the necessary protection.

Mortgage Planning

A mortgage is a substantial financial commitment that requires careful consideration. Whether you’re a first-time homebuyer or looking to remortgage, effective mortgage planning can make a considerable difference in your financial well-being. Our comprehensive mortgage planning strategies are designed to help you navigate the mortgage landscape with confidence.

Choosing the right mortgage terms can impact your monthly payments, total interest paid over the life of the loan, and your overall financial stability. Our advisers will guide you in evaluating factors such as the repayment method, mortgage term, fixed vs. variable rates etc. By optimizing these terms, we aim to help you secure a mortgage that aligns with your short- and long-term financial goals.

Protection Planning

Protection planning is about preparing for the unexpected – from a sudden loss of income, disability or premature death. It’s about minimising financial vulnerabilities so that you and your family can maintain your quality of life, regardless of what challenges arise. Protection planning is designed to provide you with peace of mind and security.

No two individuals or families are alike, which is why we offer personalised protection strategies that cater to your needs. Our advisers will work closely with you to design a plan that may include life insurance, income protection and critical illness protection. This tailored approach ensures that you’re covered where it matters most.

Our Charges

At Lane Financial Management Ltd we believe in an open and transparent charging structure and as such you will always know our fees before you make a decision to proceed. We have different fees for our initial advice and the ongoing advice services that we offer, and our standard advice charges will be explored below.

Initial Advice

Our initial fees are designed to cover the research and analysis, recommendation, and implementation parts of our holistic financial planning service. We believe in a charging structure that is clear and easy to understand, and therefore our initial fee will be relevant to the amount and complexity of the work involved.

Service Fee
Initial Meeting At our expense
Holistic Financial Planning 2% of the value of the assets being reviewed or invested capped at £10,000.

For example, the initial fee for an investment of £100,000 would be £2,000 (£100,000 x 2% = £2,000).

Ongoing Advice

We provide a holistic ongoing financial planning service which is designed to keep you on track to reach your objectives. This ongoing service involves annually assessing your objectives, risk profile and portfolio performance to ensure that you remain on track to achieve your objectives. It is important to review your position at least annually as financial planning rarely stays still and often legislation, macroeconomic conditions and objectives change. Our ongoing financial planning service ensures that your portfolio is best positioned to facilitate your goals and objectives. We will contact you annually to arrange your review meeting.

Service Fee
Ongoing Advice Service 1% per annum – based upon the value of your assets under management (capped at £10,000)

As our ongoing adviser charge is based on the value of your assets, our fees will fluctuate up and down in line with the performance of your investments. This means that the amount we receive will vary as your fund value varies. An increase in your fund value will mean an increase in the cash amount we receive. A decrease in your fund value will mean a decrease in the cash amount we receive.

Examples of our typical ongoing fees are shown below:

  • For a portfolio valued at £50,000, the annual cost of our ongoing management would be £500 a year (1% x £50,000).
  • For a portfolio valued at £100,000 the annual cost of our ongoing management would be £1,000 a year (1% x £100,000).
  • For a portfolio valued at £250,000 the annual cost of our ongoing management would be £2,500 a year (1% x £250,000).
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Lane Financial Management Ltd is authorised and regulated by the Financial Conduct Authority - Registration No. 438355