Lowes Brochure

personal finances cared for personally

Fernwood House

Welcome to Lowes Financial Management Established 1971 Throughout the different stages of our lifetime, we all need financial solutions to suit our individual circumstances. This may involve savings, pensions, tax mitigation, investments or one of the many protection policies available.

of different firms to choose from. Further refining should be done by selecting only Chartered Financial Planners but beyond this, in the absence of a personal recommendation, you are left to use your best judgement in selecting a firm who will provide the service and support you require. Lowes Financial Management has been providing Independent Financial Advice for over fifty years, during which time we have received countless endorsements, dozens of awards and achieved exceptional client satisfaction. We believe that this evidences that those who used their judgement in selecting Lowes made the right choice. By becoming a client of Lowes you will be in good company. We aim to exceed your expectations.

We can attempt to choose the right solutions ourselves or seek advice. Given the complexities and pitfalls of the financial services marketplace and the myriad of possible options, most people seek advice in one form or another to help them make what they hope will be the right financial decision. Choosing the right Financial Adviser from the tens of thousands registered in the United Kingdom is not easy. However, it is fairly simple tonarrowyour search immediately. Independent Financial Advisers (IFAs) are those who can give advice covering the whole of the financial marketplace, acting as your agent, rather than representing a particular provider, or restricting their advice to a limited range of options. Yet, having narrowed your search to IFAs, that still leaves you with thousands

LOWES FINANCIAL MANAGEMENT

About Us Lowes Financial Management has been providing truly Independent Financial Advice since 1971 to a wide range of people throughout the UK.

Our unique, successful investment approach honed over five decades, coupled with our personal approach to financial planning has helped both clients and company prosper. In our 2021 client satisfaction survey more than 97% of clients stated that they would recommend us to friends and family.* It is a testament to our services that many of our clients stay with the company throughout their lifetimes and introduce us to subsequent generations. We believe that individual and dedicated client care is a central aspect of fulfilling our goal of total peace of mind for our clients. This is why we are extremely selective

about who we trust to deliver our unique service proposition as these individuals are our primary way of achieving this goal. We pride ourselves that all Lowes people are involved in ongoing training and development to help maintain the highest levels of expertise and client care. We also recognise that no individual alone could possibly manage your financial affairs and be an authority on the complicated details of every financial product and investment. It is for this reason that Lowes provides full support to our client facing advisers from individuals who have decades of experience in the world of personal finance.

“ Independent Financial Advisers are by leaps and bounds the best purveyors of personal finance advice in the country. ” John Prestridge Personal Finance Editor The Mail on Sunday

*2021 client satisfaction survey results.

We are regularly recognised for excellence in many professional awards and in particular, have been judged by respected Money Marketing magazine to be amongst the best investment advisers in the UK for 11 of the last 12 years, winning the award 3 times in recent years.

We are recognised as one of the UK’s Top 100 Independent Financial Advisers, and in 2007, Lowes became one of the first firms in the country to be accredited as Chartered Financial Planners, which is considered the ‘Gold Standard’ of excellence and integrity. Most recently and in addition to our Chartered Status, Lowes has become an “Associate” firm which demonstrates the adoption of professional standards set by the Personal Finance Society enabling us to stand tall behind a culture that places

clients and staff at its heart. As a firm we are proud to continue our efforts to demonstrate our professional standards and consistently work to ensure that the core principles of the PFS are intrinsic to our working practices.

Associate Firm Personal Finance Society

“ Whilst we are multi-award winning, Chartered Financial Planners, what means the most to us is client satisfaction. Since 1971 we have provided the highest standard of independent financial advice, resulting in a positive impact on the lives of thousands of families throughout the UK. ” Ian H Lowes MSc FPFS Managing Director, Lowes Financial Management

LOWES FINANCIAL MANAGEMENT

Our Services The cornerstone of any good company is the service it offers to its clients. Lowes’ culture revolves around the ethic that we always strive to meet and, where possible, exceed our client’s expectations.

Our objective is to build long term relationships with every client by providing sound financial advice tailored to meet each client’s individual needs. By providing a truly personal service from professionals who genuinely care, we aim to provide peace of mind to our clients. In addition to having your own dedicated contact, regular communication is a vital part of the service we provide, strengthening the basis of trust we aim to forge between ourselves and every client. Each quarter our clients receive a copy of our magazine, designed to keep them informed of topical and relevant financial issues. When it is appropriate to do so, we alsowrite to clients regarding market developments to provide a sense of perspective offering clarification and reassurance based on our many years of experience.

Portfolio valuations can be accessed at any time via our website and twice a year we post a copy to clients accompanied by our Investment Department’s market commentary. In conjunction with correspondence sent directly from the product providers, these communications help to keep clients well informed of movements in the value of their portfolio and the wider investment landscape. Furthermore, every client is contacted at least once a year and offered a financial review to ensure that their investment portfolios and any other solutions put in place, continue to match their needs.

“ I have great confidence in the integrity and competence of your company. I have been very fortunate to have discovered Lowes Financial Management. I only wish I had done so when I took voluntary redundancy in 1994. ” Mr R Cowell Client since 2000

Support

Research

Technical

Client Servicing

Compliance

Investments

Consultants

Software Development

Administration

Marketing

Advice we provide

• Holistic Financial Planning • Investment Advice • Portfolio Management • Tax Planning and Mitigation

• Pensions & Retirement Planning • Long Term Care Planning • Asset Protection • Trusts

LOWES FINANCIAL MANAGEMENT

Our Client Views Every two years we ask our clients to participate in a satisfaction survey which helps us to identify ways in which we can improve the service we provide. We believe the results and comments speak for themselves.

“ Lowes continue to impress with the professional but personalised and friendly service. I owe my early retirement to Lowes! ” Mr C Melton - Client since 1995 “ I would recommend Lowes services to all my friends. They are professional, helpful and reliable. I have been very happy with the service I have received. ” Ms D Heaney - Client since 2005

“ I would recommend Lowes wholeheartedly. Unbiased, sound sensible advice. If you need someone to look after your money properly and professionally look no further! ” Mr J Cairns - Client since 2002 “ Lowes understands our investment requirements exactly and gives clear, excellent advice. ” Mr & Mrs E Bird - Client since 2007

Average Poor Very Good Good * 2021 Client satisfaction survey results from 1391 respondees.

96.3% Quality of Contact Good or Very Good

96.5% Client Service Good or Very Good

97.9% Depth of Knowledge Good or Very Good

97.2% InvestmentAdvice Good or Very Good

97.8% Professionalism Good or Very Good

98.5% Staff Helpfulness Good or Very Good

LOWES FINANCIAL MANAGEMENT

Say hello...

Call: 0191 281 8811 Email: enquiry@Lowes.co.uk Visit: www.Lowes.co.uk

To find out more about Lowes Financial Management and to arrange a free initial no obligation consultation.

Chartered Financial Planner... the elite of the financial advice world Investors Chronicle

Lowes Financial Management Ltd Fernwood House, Clayton Road, Jesmond,

Newcastle upon Tyne, NE2 1TL 0191 281 8811 | Lowes.co.uk

Lowes Financial Management Ltd is authorised and regulated by the Financial Conduct Authority