Steven Minnikin

As one of the largest privately owned Chartered Independent Financial Advisers in the UK, we have been building successful long-term relationships with clients for 50 years. The keystone upon which Lowes clients have prospered is our personal approach to financial planning, enabling us to help with their goals to build and ultimately protect their wealth. Lowes has almost 1bn assets under management and 95% of clients rate our investment advice as 'Good'​ or 'Very Good'​. Over 80 people work for the firm in some capacity. As well as providing investment management, Lowes can advise on Inheritance Tax planning, pensions, long term care and other general financial planning issues. A combined wealth of experience and industry knowledge ensures clients receive financial advice that is tailored to their personal needs and expectations. Lowes provides a bespoke and model investment portfolio service and we pride ourselves on being an 'Independent'​ Financial Adviser. This means we look across the whole investment space into alternatives, alongside traditional investments, to deliver attractive returns for clients, taking the appropriate level of risk. The investment process is not driven by external set asset allocation, but by the investment team's own fund selection and asset parameters. Our long history in investments means that we have experienced different economic styles and recognise the importance of protecting client's money. We are also a renowned expert in the field of structured products and run CompareStructuredProducts.com. Our expertise in the field of financial planning has led to being acknowledged in industry awards over the years, something which we are justly proud of. Lowes Financial Management is Authorised and Regulated by the Financial Conduct Authority.