Business Details
20 Years
experience
Your Trusted Financial Advisers in Lancashire
Welcome to Acumen Financial, where we are dedicated to redefining financial planning through integrity, expertise, and client-centric service. Founded in 2006 by Managing Director Angela Maher, our firm has grown into a respected team of 21 professionals managing over 420 million in assets. We prioritise transparent, fee-only advice, ensuring recommendations align solely with client needs rather than commission-driven incentives. Our open-door policy guarantees accessible support via phone, email, or face-to-face consultations. With over 180 years of combined experience, we specialise in tailored financial strategies, including retirement planning, investment management, and estate planning.Our commitment to ethical practices and rigorous research ensures clients receive unbiased, comprehensive solutions. We measure success by the trust clients place in us, reflected in our 98% client retention rate. By collaborating with top-tier investment partners, we deliver holistic financial planning without conflicts of interest. Our mission remains steadfast: to empower clients to achieve financial security and generational wealth transfer through clarity and common-sense advice.
Services
Financial Planning
Retirement Planning
Equity Release Advice
Investment Planning
Life Insurance Advice
Estate Planning
Pension Advice
Wealth Management
Tax Planning
Cashflow Planning
Details
- Year established: 2006
Highlights and features
- We offer over 180 years of combined experience in financial advisory services
- Our fee-only structure ensures unbiased, transparent financial planning
- We provide tailored advice aligned with individual client goals and circumstances
- Our team includes 10 highly experienced financial planners with industry certifications
- We maintain a 98% client retention rate through consistent, reliable service delivery
Associations and certifications
- Financial Conduct Authority
What people say
Exceptional service quality
Transparent fee structure
Personalised financial strategies
Highly knowledgeable team
Excellent client communication
Services
Financial Planning
Our financial planning services create bespoke strategies for long-term security. We analyse individual circumstances to develop comprehensive roadmaps covering pensions, investments, and wealth transfer. With a focus on tax efficiency and risk management, our planners help clients achieve both immediate and generational financial goals through regular portfolio reviews and adaptive strategies.
Retirement Planning
Specialised retirement planning ensures optimal pension utilisation and income sustainability. We assess current provisions, identify gaps, and implement solutions like SIPP arrangements or drawdown strategies. Our advice considers healthcare costs, inheritance objectives, and lifestyle requirements to create realistic, achievable retirement scenarios tailored to individual needs.
Equity Release Advice
We provide impartial equity release guidance for homeowners aged 55+. Our advisers explain lifetime mortgage options and home reversion plans, ensuring clients understand implications for inheritance tax and means-tested benefits. We partner with multiple lenders to secure competitive rates while prioritising clients' long-term financial wellbeing and family considerations.
Investment Planning
Our investment planning combines risk profiling with market analysis to build diversified portfolios. We access leading fund platforms and direct equities, applying strategic asset allocation principles. Regular performance reviews and rebalancing ensure investments remain aligned with evolving goals, market conditions, and clients' changing circumstances across market cycles.
Life Insurance Advice
We design life insurance solutions to safeguard dependants and business interests. Our advice covers term assurance, whole-of-life policies, and critical illness cover. We evaluate coverage requirements against existing commitments, ensuring appropriate sums assured while considering tax-efficient policy structures and premium affordability over the policy term.
People
Angela Maher
Managing Director
Angela founded Acumen Financial in 2006 with a vision for ethical financial advice. Holding a BA DipPFS qualification, she oversees strategic direction and maintains client relationships. Her leadership has grown the firm to manage 420m+ in assets while preserving its core values of transparency and client-first service.
Jon Landy
Director
Jon joined Acumen in 2008 and became a Director in 2012. He specialises in complex financial planning cases and investment strategy. With extensive experience in regulatory compliance, Jon ensures all advice meets FCA standards while delivering practical solutions for high-net-worth clients.
Questions
What financial planning services do you offer?
We provide comprehensive services including retirement planning, investment advice, equity release guidance, life insurance solutions, and estate planning tailored to individual circumstances.
How are your fees structured?
We operate a transparent fee-only model with no commission-based incentives, ensuring recommendations prioritise client needs over product provider payments.
Do you work with clients outside Lancashire?
While based in Lancashire, we serve clients nationwide through virtual consultations and maintain strong relationships with professionals across the UK.
How do you ensure investment safety?
We implement diversified portfolios aligned with risk profiles, regularly review performance, and partner with top-tier investment platforms regulated by the FCA.
What qualifications do your advisers hold?
Our team includes Chartered Financial Planners and Advanced Diploma holders, with average experience exceeding 18 years in financial advisory services.
How often are financial plans reviewed?
We conduct annual reviews as standard, with additional check-ins available for significant life changes or market developments affecting investment strategies.
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