Lowes Brochure

personal finances cared for personally

Welcome to Lowes Financial Management

Established 1971

Navigating life’s financial milestones, whether planning for retirement , safeguarding growing your wealth , or protecting your loved ones , requires informed decisions tailored to your unique circumstances. The choices you make today will shape your financial wellbeing tomorrow. Having the right guidance can make all the difference. In today’s complex financial landscape, making the best decisions can be challenging. Seeking professional advice is essential to ensure that your financial choices align with your goals and aspirations . With tens of thousands of advisers across the UK, finding the right one may seem overwhelming, but it can be made easier with the right approach. Choosing an Independent Financial Adviser (IFA) is a critical step in securing the best financial advice. Unlike advisers restricted to specific providers, IFAs offer a broad view of the entire financial marketplace. They work as your advocate, providing unbiased advice that meets your individual needs, rather than promoting a limited selection of products. The Value of Independent Financial Advice

Even after deciding to work with an IFA, the challenge of selecting the right firm remains. With thousands of firms available and no personal recommendation to guide you, determining which one will best serve your needs can be challenging. This is where careful judgment is required.

Why Choose Lowes Financial Management?

For over fifty years, Lowes Financial Management has built a reputation as a trusted provider of Independent Financial Advice. Throughout this time, we have consistently delivered exceptional service , earning numerous endorsements, awards, and most importantly, outstanding client satisfaction. Thousands who sought the best advice and support chose Lowes. This decision continues to provide them with confidence and peace of mind. Our long-standing reputation and commitment to exceeding client expectations ensure that when you choose Lowes, you are making a sound decision for your financial future. We invite you to explore how Lowes Financial Management can help you achieve your financial goals and objectives. With personalised, expert advice delivered by people who genuinely care, we are committed to guiding you toward a secure financial future .

About Us

Lowes Financial Management: A Legacy of Excellence in Independent Financial Advice.

Since 1971, Lowes Financial Management has proudly provided truly Independent Financial Advice to individuals, businesses and families across the UK. Our unique investment approach, honed over five decades, combined with our personalised financial planning services, has enabled both our clients and our company to thrive. In our 2023 client satisfaction survey, over 97% of our clients stated they would recommend us to their friends and family. The loyalty of our clients speaks volumes about the quality of our services. Many choose to stay with Lowes throughout their lives, entrusting us with the financial wellbeing of future generations. This enduring trust is a testament to our commitment to delivering exceptional client care. At Lowes, we believe that dedicated, personalised service is key to providing our clients with complete peace of mind . This is why we are extremely selective in choosing the individuals who represent our firm.

Each member of our team plays a crucial role in delivering the high standards that define our unique service proposition. We take great pride in ensuring that all Lowes team members are engaged in ongoing training and development. This commitment helps us maintain the highest levels of expertise and client care. Our team includes some of the first individuals in the UK to be accredited as Chartered Financial Planners , and many others have followed in their footsteps. We are proud to count among us some of the most highly qualified professionals in the country. We also understand that no single adviser can be an expert in every aspect of personal finance. That’s why at Lowes, our advisers are supported by a team of specialists with decades of experience in financial products and investments . This collaborative approach ensures that our clients receive comprehensive, informed advice tailored to their specific needs.

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

Whilst we are multi-award winning Independent Financial Advisers, what means the most to us is client satisfaction . Since 1971 we have provided the highest standard of financial

Lowes Financial Management consistently earns recognition for excellence in the financial profession. We have been distinguished as one of the top Investment Advisers in the UK by the respected Money Marketing magazine in thirteen out of the last fourteen years. Additionally, we were honoured as Investment Adviser of the Year at the 2023 Investment Life & Pensions Moneyfacts Awards. Our commitment extends beyond exceptional financial advice. At Lowes, we understand our responsibility to both our clients and the wider community. For over five decades, we have actively supported a range of charitable causes , from homeless shelters and mental health services to international disease research. Our Charity Committee, which includes representatives from various business departments, meets quarterly to oversee and plan fundraising efforts and allocate resources to registered charities. This deep-rooted commitment to making a tangible difference reflects our core values and our pledge to impact lives positively within our community and beyond .

advice to our clients, 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

Our Services The foundation of any successful company lies in the quality of service it provides to its clients. At Lowes, our culture is built on the principle of not only meeting but striving to exceed our clients’ expectations.

Our goal is to establish long-term relationships by delivering tailored financial advice that addresses each client’s unique needs. Through personalised service from dedicated professionals who genuinely care , we aim to provide our clients with peace of mind. We ensure regular communication as a core aspect of our service, fostering trust and transparency. Clients receive a quarterly magazine with updates on relevant financial topics. Additionally, when appropriate we send updates on market developments to offer perspective and reassurance based on our extensive experience.

Clients can access portfolio valuations online, and we provide a semi-annual report with market commentary from our Investment Department. These updates, along with direct correspondence from product providers, keep clients informed about their portfolio’s performance and broader market trends. We conduct annual reviews with each client to ensure that their investment portfolios and financial solutions continue to align with their evolving needs . Most importantly, we are there at times when clients need us.

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, Lancashire Client since 2000

Holistic Financial Planning

Asset Protection

Tax Planning and Mitigation

Advice we provide

Investment Advice

Trusts

Long Term Care Planning

Portfolio Management

Pensions & Retirement Planning

Client Servicing

Consultants

Development Administration

Research

Technical

Investments

Support

Software

Marketing

Compliance

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 .

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I have been using Lowes for nearly ten years now, and have always found their advice to be helpful, professional and profitable!

For over 30 years we have had excellent customer service and valuable advice.

I have no hesitation in recommending Lowes!

Anonymous, Yorkshire Client since 1993

Mr D Watson, Northumberland Client since 2015

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Lowes continue to impress with the professional but personalised and friendly service. I owe my early retirement to Lowes! Mr C Melton, East Sussex 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, Tyne & Wear Client since 2005 “

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96.34% Good or very good

92.76% Good or very good

Client Services

Quality of Contact

97.79% Good or very good

95.85% Good or very good

Depth of Knowledge

Investment Advice

98.26% Good or very good

98.54% Good or very good

Our Professionalism

Staff Helpfulness

Very Good Good Average Poor

2023 Biennial Client Satisfaction Survey

Say Hello...

To find out more about how we can help you, please get in touch with us to arrange an initial, no obligation consultation at our cost.

Lowes.co.uk 0191 281 8811 enquiry@Lowes.co.uk

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

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