Business Details
25 Years
experience
Trusted 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, with a focus on building long-term relationships through transparency and integrity. Our team holds advanced qualifications including QCF Level 4 and specialist certifications in equity release and mortgage advice, supported by continuous professional development through industry seminars and memberships. We prioritise client protection through life assurance and income protection strategies, while offering comprehensive services in retirement planning, investment management, and inheritance tax mitigation.Regulated by the Financial Conduct Authority, we operate under strict compliance standards to ensure fair treatment of clients and maintain our reputation as trusted advisors. Our fee structure includes transparent direct fees and ongoing service packages, with no charges for initial consultations. We serve clients across the UK, combining local expertise with national regulatory compliance. Our commitment to community extends to charitable trustee roles and local fundraising initiatives, reinforcing our dedication to both financial excellence and social responsibility.
Services
Financial Planning
Protection Policies
Retirement Planning
Investment Management
Mortgage Advice
Equity Release
Inheritance Tax Mitigation
Care Fee Planning
Group Protection
Pension Transfers
Details
- Year established: 2001
Highlights and features
- We offer independent financial advice drawing from the whole of the market
- Our team holds advanced qualifications including QCF Level 4 certification
- We provide transparent fee structures with no charges for initial consultations
- We maintain FCA regulatory compliance for client protection and trustworthiness
- We combine 20+ years' industry experience with continuous professional development
Associations and certifications
- Financial Conduct Authority (FCA)
Services
Financial Planning
Our financial planning service creates tailored strategies for long-term wealth management. We assess current financial positions, identify risks, and implement solutions for retirement, tax efficiency, and wealth preservation. Clients benefit from regular reviews and flexible adjustments to adapt to changing life circumstances.
Protection Policies
We design protection packages including life assurance, critical illness cover, and income protection. These policies provide financial security against unexpected events, with tax-free benefits tailored to individual needs. Coverage ceases at term end if premiums lapse, ensuring clear policy terms for clients.
Retirement Planning
Specialist retirement planning covers personal pensions, SIPPs, and workplace schemes. We optimise tax-free allowances and manage investment risks to ensure financial stability in later life. Pension access remains restricted until age 55 (57 from 2028), with values subject to market fluctuations.
Equity Release
Lifetime mortgages enable homeowners aged 55+ to access property equity without relocation. Tax-free funds are available while retaining home ownership, with repayments deferred until care admission or death. We explain implications for estate value and benefit entitlements.
Investment Management
We manage investment portfolios across ISAs, bonds, and general accounts. Strategies focus on growth, income generation, and tax efficiency through EIS/VCT options. Clients receive regular performance updates while understanding market risks that may affect investment values.
People
Nick Hodgetts
Financial Adviser
With over 40 years' industry experience since 1980, Nick holds QCF Level 4 certification and manages client relationships. He combines technical expertise with charity trustee work for Autism Anglia, maintaining professional development through Personal Finance Society membership.
Michael Hodgetts
Mortgage and Equity Release Advisor
Qualified with CeMAP and CeRER certifications, Michael specialises in mortgage and equity release solutions. His client-focused approach combines market research tools with 10 years' experience in financial services since transitioning from tree surgery in 2016.
Lynn Laws
Personal Assistant
Lynn provides operational support having rejoined Nick in 2004 after running a children's clothing business. With extensive insurance industry experience since 1983, she balances administrative responsibilities with local community fundraising activities.
Questions
What financial services do you offer?
We provide financial planning, protection policies, retirement planning, investment management, mortgages, equity release, and inheritance tax mitigation services.
Are your financial advisers qualified?
Our advisers hold QCF Level 4 certification and specialist qualifications in mortgage advice and equity release, with ongoing professional development.
How are your services charged?
We charge 3% initial fee for investments, 0.5% annual for Classic service, or 0.75% for Platinum service, with transparent fee structures.
Are you regulated by financial authorities?
We are FCA-regulated as an appointed representative of Sense Network Limited, with reference number 214128 on the Financial Services register.
Can I get equity release advice?
Yes, we offer lifetime mortgages for homeowners aged 55+, explaining tax implications and estate value impacts during consultations.
Reviews (1)
Stephen Spencer
Jul 18, 2016
Report
Thanks to the great advice I received from Nick and his team I feel confident to proceede with my investements.
