Business Details
39 Years
experience
Your Trusted Financial Planning Partner in Cumbria
At Financial Management Bureau, we pride ourselves on delivering tailored financial planning solutions that address the unique needs of our clients. With a team of highly qualified professionals, we specialise in wealth management, retirement planning, estate planning, and responsible investing. Our collaborative approach ensures that each client receives comprehensive advice grounded in extensive industry expertise. We are committed to maintaining the highest standards of professionalism, as evidenced by our authorisation and regulation by the Financial Conduct Authority. Our dedication to excellence has earned us recognition as a Certified B Corporation and a top financial advisory firm.We prioritise long-term client relationships, offering ongoing support to navigate life's financial milestones. Our team's continuous professional development ensures we remain at the forefront of industry innovations. We actively engage in community initiatives, reflecting our commitment to social responsibility. Transparency and integrity underpin all our services, ensuring clients receive clear, unbiased advice. Our goal is to empower clients to achieve financial security and peace of mind through meticulous planning and expert guidance.
Services
Wealth Management
Retirement Planning
Estate Planning
Pension Transfers
Tax Planning
Equity Release
Investment Planning
Long Term Care Planning
Mortgage Advice
Financial Protection
Details
- Year established: 1987
Highlights and features
- We offer 35+ years of combined experience in financial planning
- Our team includes Chartered Financial Planners and Certified Financial Planners
- We implement a collaborative team approach to complex financial challenges
- We maintain transparent fee structures with no hidden charges
- We provide ongoing client education through regular financial workshops
Associations and certifications
- Financial Conduct Authority
- Certified B Corporation
What people say
Peace of mind
Expert guidance
Long-term security
Personalised approach
Professional expertise
Services
Wealth Management
Our wealth management service provides comprehensive strategies to grow and preserve your assets through diversified investment portfolios tailored to your risk profile and financial goals. We combine market expertise with personalised guidance to optimise returns while maintaining appropriate risk levels. The service includes regular portfolio reviews and performance reporting to ensure alignment with evolving objectives.
Retirement Planning
Specialised retirement planning solutions help clients achieve their desired lifestyle post-retirement through strategic pension contributions and tax-efficient withdrawal strategies. We assess current pension provisions, recommend appropriate investment vehicles, and create phased retirement income plans. Our approach considers state pension entitlements and lifetime allowance implications to maximise retirement income.
Estate Planning
Comprehensive estate planning services focus on minimising inheritance tax liabilities while ensuring smooth wealth transfer to beneficiaries. We employ legal instruments like trusts and lifetime gifts alongside insurance solutions to protect family assets. The service includes regular reviews to adapt to changing legislation and family circumstances.
Pension Transfers
Expert pension transfer advice helps clients consolidate multiple pension pots into tax-efficient arrangements. We conduct detailed cashflow analysis and benefit comparisons to determine if transfers represent suitable options. The service includes assessing safeguarded benefits and guarantee implications before recommending any course of action.
Equity Release
Tailored equity release solutions enable homeowners to access tax-free capital from their property while maintaining residency. We offer impartial advice on lifetime mortgages and home reversion plans, considering alternative funding sources and long-term care implications. The service includes detailed illustrations of compounding interest effects over time.
People
Liz Beavis
Managing Director
With over two decades of leadership experience, Liz Beavis has guided the company's strategic direction since 2008. Her career progression from Marketing Assistant to MD demonstrates deep institutional knowledge. She maintains active involvement in client relationships while overseeing operational excellence.
Roger Jackson
Director of Financial Planning
Chartered Financial Planner Roger Jackson leads the advisory team with 17 years of service. Recognised in industry awards, he combines technical expertise with community engagement through multiple trustee roles. His specialisation in complex financial arrangements enhances client service delivery.
Ruth Power
Operations Director
Ruth Power oversees operational infrastructure and technology systems with a decade of management experience. Her background in marketing and financial services regulation ensures compliance with industry standards. She maintains active professional development through teaching engagements.
Natalie Lockley
Financial Planner
With 20+ years in financial services, Natalie Lockley specialises in client-centric investment solutions. Her approach focuses on long-term relationship building through regular portfolio reviews. She maintains professional qualifications while balancing community involvement through local sports support.
David Edwards
Financial Planner
David Edwards brings 25 years of industry experience to his advisory role, specialising in estate planning and intergenerational wealth transfer. His background with national wealth management firms enhances strategic perspective. He maintains active client engagement through regular educational workshops.
Questions
What areas do you cover?
We primarily serve Cumbria and surrounding areas including Kendal, Cockermouth, and the Lake District region.
Are you regulated by financial authorities?
Yes, we are authorised and regulated by the Financial Conduct Authority (FCA).
What qualifications do your advisers hold?
Our team includes Chartered Financial Planners, Certified Financial Planners, and members of the Personal Finance Society.
How are your fees structured?
We offer transparent fee structures with options for fixed fees, hourly rates, or percentage-based charges depending on service complexity.
Do you offer one-time consultations?
While we focus on long-term relationships, we provide initial consultations to assess suitability and discuss financial objectives.
How often do you review financial plans?
We recommend annual reviews with additional check-ins for significant life events or market changes.
Reviews (5)
Sian E. Evans
Aug 28, 2021
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Positive:Professionalism,Quality,Responsiveness
I've had great service from David and the team since moving into the area a couple of years ago and looking for a good local company. My options have always been clearly explained and i have very much valued the advice i've received. Thanks FMB.
I've had great service from David and the team since moving into the area a couple of years ago and looking for a good local company. My options have always been clearly explained and i have very much valued the advice i've received. Thanks FMB.
Tony Lewin
Aug 25, 2021
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Positive:Professionalism,Quality,Responsiveness,Value
I have been dealing with FMB for more than twenty years and have been more than happy with service and advice i have received.David Edwards is always there to help and advise.
I have been dealing with FMB for more than twenty years and have been more than happy with service and advice i have received.David Edwards is always there to help and advise.
Neil Graham
Aug 19, 2021
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Positive:Professionalism,Quality,Responsiveness
FMB are the main advisors that we us for our Accountancy practice - both personally and for Clients who need the expertise that FMB provide. We have always found them to be knowledgeable, helpful dependable and friendly. We have NO hesitation in giving them the highest endorsement possible.
FMB are the main advisors that we us for our Accountancy practice - both personally and for Clients who need the expertise that FMB provide. We have always found them to be knowledgeable, helpful dependable and friendly. We have NO hesitation in giving them the highest endorsement possible.
Mike King
Aug 17, 2021
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Positive:Professionalism,Responsiveness
Since investing with FMB our dealings with David Edwards have been nothing but extremely helpful and professional. A highly organised and efficient team support this focussed business.
Since investing with FMB our dealings with David Edwards have been nothing but extremely helpful and professional. A highly organised and efficient team support this focussed business.
Phil Shepherd
Aug 16, 2021
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Positive:Professionalism,Responsiveness,Value
I have been with FMB for over 2 years and they have always provided a first class service, I would recommend them as they are professional but approachable and also friendly.
I have been with FMB for over 2 years and they have always provided a first class service, I would recommend them as they are professional but approachable and also friendly.
