Business Details
25 Years
experience
Independent Financial Advisers in Ipswich
Established in 2001, Lighthouse Platinum Wealth Management is a family-owned financial advisory firm based in Ipswich, Suffolk. We specialise in providing independent, whole-of-market financial advice tailored to individual client needs. Our approach prioritises long-term client relationships through transparent communication, rigorous professional standards, and continuous development. With expertise in protection policies, retirement planning, investment strategies, and tax-efficient solutions, we serve individuals and businesses seeking financial security.Our team holds advanced qualifications including QCF Level 4 and CeMAP certifications, ensuring technical excellence. We maintain memberships with the Personal Finance Society and Equity Release Council, reinforcing our commitment to industry best practices. Client feedback directly informs our service improvements, and we operate under strict regulatory compliance with the Financial Conduct Authority.
Services
Financial Planning
Investment Advice
Mortgage Brokering
Equity Release
Inheritance Tax Mitigation
Protection Policies
Retirement Planning
Details
- Year established: 2001
Highlights and features
- We are an FCA-authorised appointed representative with 20+ years' experience
- Our advisers hold QCF Level 4 and CeMAP professional qualifications
- We offer whole-of-market mortgage and investment solutions
- We provide transparent fee structures with no hidden charges
- We maintain ongoing client relationships through regular portfolio reviews
Services
Financial Planning
Our financial planning service creates tailored strategies for retirement, tax efficiency, and wealth preservation. We assess current financial positions, risk tolerance, and long-term goals to develop comprehensive plans. Clients receive ongoing support through regular reviews and market research updates.
Investment Advice
We provide investment solutions across ISAs, bonds, and tax-efficient schemes like EIS and VCT. Our advice considers risk profiles and financial objectives while maintaining liquidity. We monitor market conditions to optimise portfolio performance and tax efficiency.
Equity Release
Specialist advice for homeowners aged 55+ seeking to access property wealth without relocation. We explain lifetime mortgage options, tax implications, and estate planning considerations. Our guidance ensures clients understand the long-term impacts on inheritance and benefits.
Protection Policies
We arrange life assurance, critical illness cover, and income protection tailored to personal circumstances. Our analysis identifies appropriate coverage levels for families and businesses while explaining policy terms and premium commitments.
Mortgage Brokering
Whole-of-market mortgage advice for residential properties, including new purchases and remortgaging. We compare competitive rates and terms across lenders, considering individual financial situations to find suitable financing solutions.
People
Nick Hodgetts
Financial Adviser
Certified PFS member with QCF Level 4 qualification. 40+ years' industry experience including 20 years at a major Canadian insurer. Specialises in comprehensive financial planning and client relationship management.
Michael Hodgetts
Mortgage and Equity Release Adviser
Holds CeMAP and CeRER qualifications. Former business owner with expertise in mortgage advice and equity release solutions. Focuses on understanding client needs to provide tailored property finance strategies.
Lynn Laws
Office Manager
Joined the company in 2004 after successful children's clothing business experience. Manages day-to-day operations while supporting client administration. Active in local community fundraising initiatives.
Questions
What financial services do you offer?
We provide financial planning, investment advice, mortgage brokering, equity release, protection policies, and inheritance tax mitigation strategies tailored to individual client needs.
Are you regulated by the FCA?
Yes, we are an appointed representative of Sense Network Limited, authorised and regulated by the Financial Conduct Authority under reference number 214128.
How do you charge for your services?
We use direct fees, product-based fees, or commissions clearly disclosed in advance. Initial investment advice costs 3%, with ongoing services at 0.5-0.75% annually.
Do you offer free initial consultations?
Yes, we provide no-obligation initial consultations where we explain potential fees and service options before proceeding with any financial planning.
What qualifications do your advisers hold?
Our advisers hold QCF Level 4, CeMAP, and CeRER qualifications, with ongoing professional development through industry seminars and regulatory training programs.
Can you help with retirement planning?
Yes, we specialise in pension planning, including personal/company pensions, SIPP arrangements, and retirement income strategies to ensure financial stability during retirement years.
