Independent Financial Advisers Lancaster
If you are searching for a financial adviser in Lancaster, Acumen Financial are here to guide you.
We’ve been providing trusted financial advice to individuals, families and businesses across West Lancashire for over two decades. Whether you’re approaching retirement, planning investments, or simply want clarity about your finances, our independent advisers will help you make confident and well-informed decisions.
Why Clients Trust Acumen for Financial Advice
We know that financial planning isn’t just about numbers on a page – it’s about people, relationships and trust.
That’s why our advisers believe in the value of face-to-face meetings. We regularly meet clients in Lancaster and the wider West Lancashire area, either at our offices or in the comfort of their own homes. This personal approach means we can have open, relaxed conversations without the distractions of email chains or rushed phone calls. Our local presence also means we’re never far away when you need ongoing advice, a quick review, or reassurance during times of change.
As FCA-regulated advisers, we are not tied to any provider, which means our recommendations are completely independent, unbiased and always in your best interests. Unlike advisers who are restricted to a limited panel of products, we look across the whole market to find solutions that fit your needs.
We also believe in clear communication. Financial planning can sometimes feel overwhelming, but we take the time to explain everything in straightforward, jargon-free language. Our goal is to make sure you feel informed, empowered and fully in control of your financial future.
Get To Know Our Lancaster-Based Financial Advisers
Our team of advisers combines years of experience with a passion for helping people achieve financial peace of mind.
We believe in personal relationships, taking the time to listen to your story, your aspirations and your concerns. Many of our Lancaster clients come to us during major life changes such as retirement, moving home, or planning for their children’s future.
Our advisers combine many years of experience with a genuine passion for helping clients across West Lancashire. You’ll find a mix of local knowledge, specialist expertise and a friendly, down-to-earth approach.
- Angela Maher (Managing Director) – Angela has been leading Acumen since the very beginning. Based locally, she’s passionate about building lasting client relationships and ensuring advice is always clear, personal and easy to act on.
- Jon Landy (Director & IFA) – Jon specialises in pensions and retirement planning, with a particular focus on helping company directors. He’s known for taking the time to explain complex subjects in a way that feels simple and straightforward.
- Phil Jones (IFA & Mortgage Adviser) – Living in Formby, Phil advises on investments, protection and mortgages. Clients value his approachable style and his ability to give clear, practical advice that supports their financial journey.
- Alex Dunk (IFA) – Alex enjoys working closely with clients to understand their goals and create tailored financial plans. He lives in Churchtown and brings a young, energetic perspective to the team.
- Daniel Frampton (Chartered Wealth Manager) – Daniel combines technical expertise with a forward-looking approach, helping clients make confident long-term financial decisions.
Together, our team blends deep experience with local accessibility – ensuring clients in Lancaster and beyond always have someone they can meet face to face and rely on for trusted advice.
Our Tailored Financial Planning Services
We offer a comprehensive range of services tailored to your financial goals:
- Retirement Planning & Pensions: Planning for retirement is one of the most important financial steps you’ll ever take. We’ll review your pension pots, explain your options clearly, and help you secure the income you need for the retirement lifestyle you want.
- Investments & Savings: From ISAs to diversified investment portfolios, we’ll guide you through the best ways to make your money work harder. Our approach balances risk and reward so that you can build long-term wealth with confidence.
- Protection & Insurance: Life can be unpredictable, but you can protect what matters most. We’ll help you put in place the right life cover, income protection or critical illness insurance so your family is financially secure if the unexpected happens.
- Inheritance & Estate Planning: Passing on your wealth requires careful planning. We’ll work with you to minimise tax liabilities and ensure your assets are transferred smoothly to the next generation.
- General Financial Planning: If you’re unsure where to start, our holistic approach brings everything together. We’ll create a tailored strategy covering savings, investments, protection and retirement so that your financial journey is always moving in the right direction.
Ready to Take the Next Step?
At Acumen, we keep financial planning simple, clear and focused on your needs. Our process is designed to make you feel comfortable every step of the way:
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Initial Meeting – Free Consultation: We start with a no-obligation meeting, often face-to-face in our office or the West Lancashire area. This is your chance to share your goals and ask any questions.
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Tailored Financial Plan: Once we understand your circumstances, we create a personalised strategy covering pensions, investments, protection, mortgages or estate planning – whatever matters most to you.
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Implementation & Ongoing Support: We don’t just hand over a plan and leave you to it. Our advisers put recommendations into action, keep in touch, and schedule reviews to ensure your finances adapt as your life changes.
This simple three-step process means you always know where you stand, and you’re supported by a local, approachable adviser who understands your needs.
If you’re looking for an independent financial adviser in Lancaster, we’d love to hear from you. Whether you’re preparing for retirement, investing for the future, or simply want clarity about your options, our local team is here to help.
📞 Call us today on 0151 520 4353
✅ Or book your free consultation online