Business Details
Your Trusted Financial Advisers in St Albans
Omni Financial is a team of experienced independent financial advisers based in St Albans, dedicated to providing trustworthy and tailored financial solutions. With a focus on addressing real-life financial challenges, we support clients through key life decisions, from purchasing first homes to planning for retirement. Our services span pensions, investments, mortgages, equity release, and long-term care funding, all delivered with a commitment to transparency and client-centric advice. We operate across Hertfordshire and the wider UK, offering consultations in our offices or clients' homes. Our team combines deep industry expertise with regular reviews to ensure financial plans remain aligned with evolving client needs.As an FCA-authorised firm, we adhere to rigorous regulatory standards while maintaining flexibility to source the best market solutions. Our reputation for clear communication and proactive risk management has made us a trusted partner for individuals and families seeking financial clarity. We prioritise long-term relationships, evidenced by client testimonials highlighting satisfaction with our professional, approachable service. Regular market analysis and personalised strategy adjustments ensure clients benefit from informed decision-making. Our fee structure and commission arrangements are disclosed transparently, reinforcing our commitment to ethical financial guidance.
Services
Pensions Planning
ISA Investments
Mortgage Solutions
Equity Release
Long Term Care Funding
Highlights and features
- We offer 30+ years combined experience in financial advisory services
- Our team holds FCA-authorised status for regulatory compliance
- We provide tailored solutions across pensions, mortgages, and investments
- We guarantee transparent fee structures with no hidden charges
- Our client-centric approach prioritises long-term financial security
Associations and certifications
- Financial Conduct Authority
What people say
Professional friendly service
Excellent investment advice
Reliable mortgage solutions
Transparent fee structure
Long-term client relationships
Services
Pensions Planning
Our pensions experts help clients build sustainable retirement income through tailored investment strategies and regular portfolio reviews. We assess individual risk profiles and lifestyle goals to create customised pension solutions. With changing tax regulations, we ensure ongoing compliance while maximising retirement funds through proactive management.
ISA Investments
We design personalised investment portfolios aligned with clients' financial objectives and risk tolerance. Our proactive management approach includes regular reviews to optimise returns while maintaining appropriate risk levels. We focus on long-term growth and capital preservation through diversified investment strategies.
Mortgage Solutions
We provide independent mortgage advice covering the entire market to find suitable home loan solutions. Our whole-of-market approach ensures clients receive competitive rates matched to their financial circumstances. We consider mortgages as part of overall financial planning, including future life changes and retirement implications.
Equity Release
We explain equity release options for homeowners over 55, including lifetime mortgages and home reversion plans. Our guidance covers both benefits and risks while considering alternative funding solutions. We help clients understand the impact on inheritance and care funding requirements.
Long Term Care Funding
We advise on financial strategies for nursing home fees and care costs, exploring both state support and private funding options. Our planning considers investment bonds and asset management to cover care expenses while maintaining financial security for clients and their families.
People
Guy Swinnerton
Director
With over 25 years in financial services, Guy specialises in retirement planning and investment strategies, bringing extensive experience in navigating complex tax regulations and market changes.
Paul Hazard
Senior Adviser
Paul focuses on mortgage solutions and property investment financing, offering expert guidance on residential and buy-to-let mortgages with particular expertise in complex lending scenarios.
Philip Spratt-Callaghan
Lead Adviser
Philip provides comprehensive financial planning advice, specialising in pensions, investments, and business succession planning with a client-focused approach developed over 15+ years.
James Hartley-Swinnerton
Adviser
James supports clients with mortgage and protection needs, combining technical expertise with clear communication to help families achieve their homeownership goals.
Carly Swinnerton
Client Services Manager
Carly oversees client relations and administrative support, ensuring smooth implementation of financial plans while maintaining high standards of customer service.
Questions
What financial services does Omni Financial offer?
We specialise in pensions, investments, mortgages, equity release, and long-term care planning with tailored solutions for individual needs.
Are your financial advisers qualified?
Our team consists of FCA-authorised professionals with decades of combined experience in independent financial advisory services.
How do you charge for your services?
Mortgage advice fees start at £495, equity release at £1,495, with transparent disclosure of all charges before service commencement.
Do you operate outside St Albans?
We serve clients across Hertfordshire and throughout the UK with home visits and office consultations available.
Is your advice regulated?
As an FCA-authorised firm, our financial advisory services meet strict regulatory standards for client protection.
