Business Details
Trusted Financial Advisers in London
At Lemonade Reward, we are dedicated to transforming financial clarity into prosperity for both businesses and individuals. With a team of seasoned professionals, we specialise in employee benefits consultancy and personalised financial planning, ensuring our clients achieve their long-term goals. Our approach combines innovative technology with empathetic expertise, delivering tailored solutions that align with each client's unique needs.As an FCA-authorised firm, we prioritise transparency, regulatory compliance, and client-centric service, fostering trust through decades of combined industry experience. From designing sustainable employee benefits packages to crafting bespoke retirement strategies, we empower our clients to navigate financial complexities with confidence, knowing their futures are secured through our meticulous planning and ongoing support.
Services
Employee Benefits Consulting
Financial Planning
Retirement Planning
Pension Schemes
Estate Planning
Highlights and features
- We offer over 25 years of combined experience in financial and employee benefits consultancy.
- Our FCA-authorised status ensures regulatory compliance and client protection.
- We provide tailored solutions for SMEs and individuals, not one-size-fits-all packages.
- Our transparent fee structure includes fixed pricing for financial planning and implementation.
- We combine technology with human expertise for accessible, jargon-free advice.
Associations and certifications
- Financial Conduct Authority
What people say
Exceptional service
Clear communication
Tailored solutions
Long-term trust
Expert advice
Services
Employee Benefits Consulting
We design custom employee benefits packages to enhance workplace wellbeing and retention. Our solutions include pension schemes, flexible benefits, and wellbeing initiatives tailored to SMEs. By aligning benefits with business goals, we help employers attract talent while controlling costs through strategic planning and ongoing support.
Financial Planning
Our financial planning service creates bespoke strategies for individuals, covering retirement, investments, and estate planning. We conduct detailed assessments of clients' financial situations, develop tailored plans, and provide ongoing monitoring. Transparent fees and a focus on long-term growth ensure clients achieve their financial aspirations with confidence and security.
Retirement Planning
We specialise in retirement planning, optimising pension entitlements and investment portfolios. Our three-step process includes discovery, plan creation, and implementation with regular reviews. Clients receive guidance on tax-efficient withdrawals, risk management, and lifestyle adjustments to ensure a secure and comfortable retirement aligned with their personal goals.
Estate Planning
Our estate planning service protects clients' legacies through wills, trusts, and tax-efficient strategies. We address inheritance tax, asset distribution, and guardianship arrangements. By combining legal expertise with financial planning, we ensure clients' wishes are preserved while minimising liabilities for future generations through personalised, compliant solutions.
Pension Schemes
We advise businesses on implementing and managing defined contribution pension schemes. Services include scheme selection, employee communications, and compliance with auto-enrolment regulations. Our focus is on cost-effective, scalable solutions that meet employer obligations while maximising retirement outcomes for employees through expert guidance and ongoing administration support.
People
David Pugh
Managing Partner
Architect of innovative employee benefit packages, David leads Lemonade Reward's strategic direction. With industry-leading expertise, he ensures solutions drive business growth and client satisfaction through regulatory-compliant, forward-thinking financial strategies.
Natasha Newby
Employee Benefits Director
With 25 years' experience, Natasha specialises in creating tailored employee benefits solutions. Her client-focused approach combines regulatory knowledge with creative problem-solving to develop packages that enhance workplace engagement and retention for SMEs.
Ben Trillow
Director of Client Services
Ben oversees client service operations, ensuring seamless implementation of financial strategies. His project management expertise maintains operational efficiency, delivering timely, coordinated support across pension, retirement, and wealth management services.
Louise Kingston
Group Pension Senior Consultant
Louise provides technical expertise in pension scheme design and compliance. Her attention to detail ensures accurate, client-specific solutions for workplace pensions, combining regulatory knowledge with practical implementation support for businesses and employees.
Dan Mills
Creative Director
Dan simplifies complex financial concepts into clear visual communications. His creative strategies enhance client understanding of benefits and planning options, making financial information accessible and engaging through innovative design and presentation techniques.
Questions
What employee benefits services do you offer?
We provide tailored employee benefits consultancy, including pension schemes, flexible benefits, wellbeing initiatives, and compliance support for SMEs.
How do your financial planning fees work?
Our fees include £1,200 for initial planning, £750 per product implementation, and 0.75% annual ongoing advice, all inclusive of VAT.
Are you regulated by the FCA?
Yes, ilumiti LLP is authorised and regulated by the Financial Conduct Authority under number 608554.
Do you work with individual clients?
Yes, we offer personal financial planning for retirement, investments, and estate planning alongside our business services.
What areas do you cover?
We operate nationwide across the UK, with our London office serving as the primary contact point for clients.
How do you handle client complaints?
We take complaints seriously and aim to resolve them promptly. If unresolved, clients may refer issues to the Financial Ombudsman Service.
Reviews (2)
Leigh Anne Wilson
Jan 24, 2022
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Lemonade staff are very friendly, accommodating, knowledgable and turn around time is awesome. They are very customer focused and are always trying to think of ways to make their clients lives easier. They are always willing to help, nothing is ever a mission or problem for the team at Lemonade Reward.
Sarah Stewart
Jan 22, 2022
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We have been working with Lemonade and our Client Relationship Manager Steve McCarthy for many years now. Steve is always there to help when ever we need it and is friendly, efficient and has exceptional knowledge with regards to all things Pension. He is an absolute pleasure to work with and I hope our working relationship continues for many years to come.
