Before investing, it’s usually a good idea to have sorted out your debts, made sure you’ve looked at protecting yourself against unforeseen events, built up some savings, and arranged your pension (your pension is also an investment). Once you start investing, it’s highly advisable to spread your risk.

This may be an ideal opportunity for us to review your circumstances. It may be that your portfolio is aligned correctly and that no further action need be taken at this point or alternatively it may be possible to save you money on your existing policies, limit your investment risk and gear your assets for future appreciation whilst reducing your tax liabilities.

The key to any successful financial strategy is not only the initial implementation of a financial plan, but regularly reassessing your personal circumstances and objectives to guarantee that it performs to the optimum and remains relevant to your individual requirements.

It is our role as an adviser to help you meet your objectives. You need to give some thought to what those objectives and timescales are. For example, are you saving for a particular purpose, or do you require a regular income from your investments?

We will advise you and recommend an investment strategy appropriate for your needs and best suited to your attitude to investment risk and tax position.

We also offer an ongoing service in order to enable you to keep track of your investments and make sure they remain in line with your objectives.

We believe that advice is important as circumstances and legislation can change over time, which may mean that your existing investments are no longer appropriate.

Things to think about before investing
  • How much can you afford to invest?
  • How long can you afford to be without the money (most investments should be held for at least five years)
  • What do you want your investment to provide – capital growth (your investment to increase), income or both?
  • How much risk and what sort of risk are you prepared to take?
  • What are the tax benefit implications – what tax will you pay, and can you reduce it?
  • Planning for Long Term Care
Retirement Planning

Your retirement is important, planning your retirement is crucial.

A big part of planning the financial side of your future is to ask yourself the right questions.

Will I want to take it easy or have the time of my life?

What if I live to be 101?

Just how flexible can my income be?

At Lane Financial Management Ltd we will help you understand pensions, how to approach them, and what are the important questions you need to ask to help make your long term future more secure.

The key to this is in the pre-retirement planning. The options are extensive and as life changes between now and your retirement, these options may change.

Lane Financial Management Ltd will help you make appropriate choices and, with no-nonsense advice and ongoing reviews, we will involve ourselves in the risk management to keep you on track.

When you reach retirement you will make decisions on how best to draw on your investments. As your life changes the questions may well have changed too, but the answers will have a more direct impact on your standard of living.

Our goal is to help you achieve your goals, through greater understanding, regular reviews, and experienced, professional management.

Flexible income, tax-free cash, cash flow modelling, ongoing investments and tax planning are just a few of the things Lane Financial Management Ltd will advise you on, helping you whatever the future may hold.

As a Gold Standard Pension Transfer Specialist Company, Lane Financial Management are well versed and qualified to assist you in both the retirement fund accumulation stage and to advise upon the most appropriate exit strategy in taking your pension benefits.

Estate Planning

It can seem a little unsettling to plan for your own death but when you have assets, you want to decide what happens to them after you have passed away.  If you want to leave property, money or other assets for your family or loved ones, you can lay this all out in a will and with estate planning.  However, anything that people own, money they inherit or even trusts, or gifts received can be taxed.

This is known as inheritance tax and there is a threshold before this comes into play.  Once the value of the estate passes this amount, your loved ones could face a tax bill on the inheritance they receive.  But there are ways to legitimately avoid or reduce this with the right measures put in place.

We take our client’s individual circumstances and objectives into account before working with them in order to develop a bespoke plan for their estate.

We develop long-term established relationships with our clients, their children and grandchildren. It is essential to have succession plans in place for the continuity of advice, allowing us to maintain the Lane Financial Management Ltd service and quality.

The estate plans we put in place with our clients are designed to be flexible and we always work with them over the long-term with a view to changing and redesigning their financial plans if their circumstances and objectives change.

Our company is built on the strength of our client relationships and we look to build long-term, ongoing relationships with all of our clients. We are an owner-managed firm and as such our clients can be confident that they will be working with the same financial advisor over the long-term. Often we service multiple generations of the same family and come to know our clients personally.

By ensuring you have the correct provisions in place we can help you avoid leaving your loved ones a substantial Inheritance Tax liability that substantially diminishes the value of your estate.

Wealth management

Wealth management is more than just investment advice, as it can encompass all parts of a person’s financial life.

The idea is that rather than trying to integrate pieces of advice and various products from a series of professionals, clients benefit from a holistic approach in which a single manager coordinates all the services needed to manage their money and plan for their own or their family’s current and future needs.

A wealth manager is able to provide services in any aspect of the financial field, in order to maximise returns and minimise investment risk.

In certain instances, a wealth management advisor may have to coordinate input from outside financial experts as well as the client’s own agents (Solicitors, accountants, etc.) to craft out the optimal strategy to benefit the client.

  • Wealth management is an investment advisory service that combines other financial services to address the needs of affluent clients.
  • A wealth management advisor is a high-level professional who manages an affluent client’s wealth.
  • Affluent clients benefit from a holistic approach in which a single manager coordinates all the services needed to manage their money and plan for their own or their family’s current and future needs.
  • This service is usually appropriate for wealthy individuals with a broad array of diverse needs.

Instead of leaving all your money in bank accounts that pay little or no interest, you can invest in products, which give your money real potential to grow. You can also use your capital to invest in products, which can provide you with additional income.

We will carry out a detailed assessment of your savings needs and your risk profile and can recommend the most suitable course of action from the many options available.

Products you may have heard of include:

  • Individual Savings Accounts (ISAs)
  • Unit trusts & OEICS
  • Investment bonds

What exactly do these products entail, are they tax efficient and are they appropriate for you?

We all have different attitudes to risk and a different tolerance of capacity for loss, which has an impact as to how you may wish to invest and save your money.

You can choose to keep all your capital in a simple bank account, or you can choose to purchase shares of companies operating in risky areas. In between these two extremes, there are many, many options available for you to make the most of your capital.

Lane Financial Management Ltd are well placed to guide you through the options available and are able to recommend a tailored investment solution that meets your objectives, attitude to risk and capacity for loss.


Equity Release

If you are over 55 and own your home, you may be able to use equity release to generate tax-free capital.

There are many reasons why people choose to release equity from their home:

  • You might wish to pay off loans or debts
  • You might not want to move and would instead like some extra capital to make home improvements
  • You might want more capital available to help your family, whether that’s through financial gifts or helping children or grandchildren get onto the property ladder
  • You might wish to supplement your income should you not have sufficient funds to live your desired retirement lifestyle
  • You might want to generate more income to put towards life’s luxuries, for example a new car or the cost of holidays

Equity release can help you enjoy a more fulfilling and enjoyable retirement. However, there are potential consequences to consider.

It is therefore important, if you are considering releasing equity from your home, to seek the help of a professional and experienced adviser.

Here’s what we do:

  • We determine whether equity release is the right choice for you. We will give you clear, realistic advice about what will best suit your circumstances, highlighting the risks and costs involved
  • If you do decide equity release is the best option, we help you establish whether it should take the form of a lump sum or regular income instalments
  • We also establish whether a lifetime mortgage or a home reversion plan is the best choice for you
  • We thoroughly explain the implications for your family after your death
  • If equity release is not the best option for you, we will help you find alternative solutions

Working with us will give you the confidence to make an informed decision as you explore the possibility of equity release. With our help, you can rest assured you’re making the most of your capital during retirement and remain on track to achieving your most essential aspirations.

Lifetime Mortgage/Equity Release

  • Release cash tax free
  • No monthly payments
  • No negative equity guarantee
  • SHIP and FCA regulated
  • No credit scoring required

Whether you are a first time buyer, experienced homeowner, property landlord or simply looking to release some equity from your current home, our experienced team at Lane Financial Management Ltd will be able to assist you.

Purchasing or remortgaging a property can be a stressful time. There are a number of factors to take into consideration including; products, valuations and legal costs to name a few. As part of our relationship service at Lane Financial Management Ltd, we want to actively identify the best possible options, tailored to your individual circumstances.


  • Residential or commercial property purchases
  • Help with buy to let properties
  • Repayment or interest only mortgage options
  • Special packages for first time buyers
  • Home mover or remortgage help available

If you need advice or assistance with protecting your wealth and income, we can help.

We are all familiar with insuring our home or car, but have you considered how your family will manage financially if the unexpected happens?

What if you were to suffer a serious illness, or worse?

If you own a business, what would happen on the loss of a Key Person or the death of a business partner?

You may decide not to put plans in place to deal with these uncertainties, but does it not make sense to know the risks to your Financial wellbeing and consider possible solutions?

Our experienced Advisers can help you make the right decisions about the protection products most suitable for you and your circumstances. We have years of experience in assisting individuals from a variety of backgrounds, and can help you achieve the Financial security you and your family need.

Types of Protection

  • Life Cover (term based)
  • Critical Illness Cover
  • Income Protection
  • Whole of Life Insurance
  • Optimising tax using trusts

There are many different protection providers and policies and our job as Independent Financial advisers in this area is to help you find the right one.

We establish your specific needs and personal situation, identify the kind of cover you want and source the market to provide the most competitive solution.

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Lane Financial Management Ltd is authorised and regulated by the Financial Conduct Authority - Registration No. 438355