Business Details
Your Trusted Independent Financial Advisers in Lytham St. Annes
Windmill Financial Services is a firm of Independent Financial Advisers (IFAs) dedicated to providing bespoke, professional financial advice to individuals and businesses across the North West of England. Established with a commitment to personalized solutions, we specialise in Investment & Savings Advice, Pension Planning, Retirement Options, IHT Planning, and Protection Advice. Our team, led by Director Stephen Beverley with qualifications including the Diploma in Financial Planning and specialist certifications in pensions and equity release, prioritises client needs through a fair and transparent approach.Authorised by the Financial Conduct Authority, we combine regulatory compliance with local expertise to deliver cost-effective strategies aligned with clients' financial goals. Our services extend beyond face-to-face consultations to digital channels, ensuring flexibility in client interaction. With a registered office in Lytham St. Annes, we serve areas including Blackpool, Preston, and Blackburn, maintaining a focus on building long-term client relationships through integrity and tailored guidance.
Services
Investment Advice
Pension Planning
Protection Advice
Retirement Options
IHT Planning
Highlights and features
- We are authorised and regulated by the Financial Conduct Authority for compliance and client protection.
- Our director holds advanced qualifications including the Diploma in Financial Planning and specialist pensions certifications.
- We provide tailored financial strategies addressing individual client circumstances and goals.
- Free initial consultation available to discuss your specific financial requirements.
- Local expertise serving communities across the North West of England.
Associations and certifications
- Financial Conduct Authority
Services
Pension Planning
We provide comprehensive pension planning services to help clients prepare for their retirement years. Our FCA-authorised advisers assess individual circumstances to recommend suitable pension schemes, including workplace pensions, personal pensions, and self-invested personal pensions (SIPPs). With specialist qualifications in advanced pension planning, we help clients optimise their retirement income while considering tax efficiency and inheritance planning.
Investment Advice
Our investment advice service focuses on creating tailored portfolios aligned with clients' financial goals and risk tolerance. We offer guidance on various investment vehicles including stocks, bonds, mutual funds, and alternative investments. Our advisers hold qualifications in financial services and pensions, ensuring recommendations meet regulatory standards while aiming to maximise returns through strategic asset allocation and regular portfolio reviews.
Protection Advice
We specialise in protection advice covering life insurance, critical illness cover, and income protection policies. Our approach considers clients' personal circumstances to recommend appropriate coverage levels that safeguard against unforeseen events. With expertise in general insurance products, we help clients protect their financial future and ensure their dependants' security through carefully selected insurance solutions.
IHT Planning
Our inheritance tax planning service helps clients structure their assets to minimise tax liabilities while ensuring smooth wealth transfer to beneficiaries. We utilise strategies such as trusts, lifetime gifts, and charitable donations to create effective estate plans. Our advisers' expertise in tax-efficient planning ensures compliance with current regulations while maximising the value passed to future generations.
Equity Release
We offer specialist equity release advice for homeowners seeking to access funds tied in their property. Our advisers hold the ER1 qualification for equity release products, ensuring clients receive appropriate recommendations about lifetime mortgages and home reversion plans. We explain the implications of releasing equity on inheritance and means-tested benefits, helping clients make informed decisions about their later life financial needs.
People
Stephen Beverley
Company Director
Stephen holds a BA (Hons) in Financial Services, the Diploma in Financial Planning (Dip PFS), and specialist qualifications including CeMAP, AF3, J04, J05, and ER1. He leads our team in delivering expert financial advice across pensions, investments, and equity release.
Questions
What areas do you cover for financial advice?
We provide financial advice across the North West of England, including Lytham St. Annes, Blackpool, Preston, Blackburn, and surrounding areas.
Are your financial advisers qualified?
Yes, our advisers hold relevant qualifications including the Diploma in Financial Planning and specialist certifications in pensions, mortgages, and equity release.
Do you offer a free initial consultation?
We provide a free no-obligation initial consultation to discuss your financial needs and explain how we can help you achieve your goals.
How are you regulated as financial advisers?
We are authorised and regulated by the Financial Conduct Authority (FCA) under reference number 462530, ensuring compliance with industry standards.
What financial services do you specialise in?
We specialise in pension planning, investment advice, protection planning, inheritance tax planning, and equity release solutions for individuals and businesses.
Can I access digital financial services?
Yes, we offer digital services allowing clients to interact through online platforms while maintaining our commitment to personalised financial advice.
