ThreeBestRated.co.uk
BEST RATED ST ALBANS, UK FINANCIAL SERVICES

3 Best Financial Services in St Albans, UK

Expert-recommended Top 3 Financial Services in St Albans, UK. All of our financial services actually undergo a rigorous 50-Point Inspection, which includes local reviews, history, business standards, ratings, satisfaction, trust, price and their trading excellence. You deserve only the best!

KDW Financial Planning
KDW Financial Planning
St Albans financial services KDW Financial Planning video
5+ YEARS IN TBR
CALL CONTACT

KDW FINANCIAL PLANNING

(4.8 Score)
2nd Floor, Centurion House, 136-142 London Road, St Albans AL1 1PQ, UK Directions

Since 1978

Speciality:

✓ Pensions ✓ Workplace Pensions (Auto-Enrolment) ✓ Personal Pensions ✓ Stakeholder Pensions ✓ Small Self-Administered Schemes (SSAS) ✓ Self-Invested Personal Pensions (SIPP) ✓ Executive Pension Plans ✓ Occupational Pensions and Final Salary Analysis ✓ Annuities ✓ Investments ✓ National Savings ✓ Deposit Accounts ✓ Fixed Interest ✓ Insurance Bonds ✓ Property ✓ ISAs ✓ Endowments ✓ Open-Ended Investment Company (OEIC) ✓ Unit Trusts ✓ Investment Trusts ✓ Enterprise Investment Schemes (EIS) ✓ Venture Capital Trust (VCT) ✓ Business Property Relief (BPR) ✓ Mortgages ✓ Equity Release ✓ Assurance ✓ Commercial ✓ Tax Planning

“KDW Financial Planning provides a simple approach to financial planning that you can trust. They are here to help with every step of your financial journey, from mortgage advice to retirement planning. Alongside their head office in St. Albans, Hertfordshire, they also have offices in Hemel Hempstead and on the South Coast. KDW Financial Planning provides independent financial advice with a practical, straightforward approach. Since then, they have evolved into a team of professionals who are experts in their fields, ranging from investments, pensions, mortgages, and trusts to tax and estate planning. Their people are at the heart of their business, driven to provide their clients with the best possible results to suit their current financial situation and reach their goals. They work with hundreds of individuals and businesses with varying needs, from mortgage advice to complex investment strategies. For every financial requirement, they have a solution that will work for you.

2025 Update: They have been building long-term relationships with their clients and key business partners for nearly 40 years. They have proven themselves as trusted experts in the field of financial advice. Their advisers tailor bespoke solutions that truly work for their clients by gaining a thorough understanding of their financial goals.”

Reviews | Play Video | Write a Review
Registration 3909177

Contact:

01727 852299

Mon-Fri: 9am - 5:30pm
Sat & Sun: Closed

TBR® Inspection Report:

Aqua Wealth Management
Aqua Wealth Management
Aqua Wealth Management
5+ YEARS IN TBR
CALL CONTACT

AQUA WEALTH MANAGEMENT

(4.8 Score)
Heath House, 156A Sandridge Road, St Albans AL1 4AP, UK
Directions

Since 2012

Speciality:

✓ Financial Planning ✓ Pensions ✓ Mortgages ✓ Equity Release ✓ Investments ✓ Protection ✓ Long-Term Care ✓ Inheritance Tax ✓ Divorce ✓ Lasting Power of Attorney ✓ Corporate ✓ Auto Enrolment

“Aqua Wealth Management is dedicated to bringing clarity and transparency to your financial matters. Thirteen years ago, when they established Aqua Wealth Management, they wanted everything to be clear and straightforward. There is no jargon, nothing hidden, just sensible, professional advice to make your finances go further and give you the security you and your family deserve. At Aqua Wealth Management, the team is always happy to chat about each of these as part of a general financial review or any particular issue you might have. The Aqua team is also able to offer meetings in a second language.

2025 Update: Dominic Basilea and Chris Pearce are the directors of the firm. The firm is authorised and regulated by the Financial Conduct Authority.”

Reviews   |   Write a Review

Contact:

01727 899244

Mon-Fri: 9am-5pm
Sat & Sun: Closed

TBR® Inspection Report:

Lumin Wealth
Lumin Wealth
Lumin Wealth
3+ YEARS IN TBR
CALL CONTACT

LUMIN WEALTH

(4.8 Score)
Number 5, Sandridge Park, Porters Wood, St Albans AL3 6PH, UK Directions

Since 2010

Speciality:

✓ Pensions and Retirement ✓ Inheritance ✓ Investments ✓ Protecting Family and Business ✓ Comprehensive Financial Planning ✓ Mortgages ✓ Equity Release

“Lumin Wealth is a modern financial advice and investment firm with a competitive cost structure. After 15 years of uninterrupted growth, the business has more than 90 employees, with offices in St Albans, central London, Bishop’s Stortford, and Beaconsfield. Lumin is a chartered firm that has been consistently ranked among the top advisers in the UK. They provide personable financial advice alongside investment management services. Over 3,500 families trust them with their wealth management needs, and they manage over £1bn in assets. Their mission is to help families be better prepared for their retirement journey in order to achieve greater long-term financial security and peace of mind. Lumin has been part of VZ Group, Switzerland’s leading independent financial services firm, since May 2021.

2025 Update: They offer a free Initial meeting and ongoing support. They provide independent advice and will always do what’s best for their clients. The firm has offices in St Albans, central London, Bishop’s Stortford, and Beaconsfield. You can get a £150 Amazon gift card reward for referring friends, family or colleagues.”

Reviews   |   Write a Review
Registration 03381115

Contact:

01727 893 333 03300 564 446

Mon-Fri: 8:30am - 5:30pm
Sat & Sun: Closed

TBR® Inspection Report:

Video

Write a Review for Lumin Wealth

Our Review Process:

  • All reviews matter:We publish both positive and negative reviews to provide a balanced perspective.
  • No censorship: Businesses cannot pay to remove or modify negative reviews.
  • Verification process: All reviews are checked for authenticity and compliance with our community guidelines before publication.
  • Fair representation: We display reviews of all ratings (1–5 stars) to help users make informed decisions.
  • Independence: We are not affiliated with the businesses we review and receive no compensation for favorable ratings.

Your honest opinion helps others make better choices. Whether your experience was excellent, average, or disappointing, we want to hear from you. For more details, check Community Guideliness

Contact Business

KDW FINANCIAL PLANNING REVIEWS

I am writing to express my sincere gratitude for the outstanding service provided by Callum, my mortgage advisor at KDW Financial Planning. Callum's professionalism, expertise, and dedication were evident from the start. His clear explanations and timely updates made the entire mortgage process smooth and stress-free. Callum took the time to understand my financial situation and goals, providing tailored advice that led to securing a favorable mortgage. His friendly and approachable demeanor made the experience a pleasure. I highly recommend Callum to anyone in need of a knowledgeable and dedicated mortgage advisor. Thank you, Callum, for your exceptional service and support.

I couldn’t thank Callum Drummond at KDW Independent Financial Planning enough. Callum was extremely helpful, professional and responsive. He gave us excellent advice and quickly secured a great mortgage rate for us when purchasing our first house. He made the process easy and stress-free. I will be recommending Callum to anyone looking for a reliable and efficient mortgage advisor. Thank you Callum and KDW.

We have used KDW for 3 years to manage our savings and investments. Our advisor David is always well informed and gives tailored advice after listening to our current and future needs. He is backed by an efficient and responsive team and I can't recommend them any more highly. In fact, other friends have engaged with them after our recommendation and have been equally impressed.

These reviews are provided for information purposes and to help you make informed decisions.

To share your experience, click here or send it to reviews@threebestrated.co.uk.

We will display both positive and negative reviews. All submitted reviews are published after verification for authenticity and compliance with our Terms and Conditions, Privacy Policy, and Community Review Guidelines.

AQUA WEALTH MANAGEMENT REVIEWS

I would like to share a review of the people I have encountered at Aqua Wealth Management, who have all been patient, kind and ready to take the time to explain the financial things that I found it hard to get a grip on. In particular, I want to thank Luisa Gill for going beyond the call of duty in her helpfulness and kindness. I don't want to wish a lot of other financial numpties on this company, but they provide a reassuring bridge to the mystifying world of finance. Their recommendations have been invaluable.

We had the pleasure of using Theo at Aqua Wealth Management for our mortgage application. Theo broke down complex details and allowed us to select the best option for us with ease. I couldn’t recommend Theo and Aqua Wealth highly enough. Mr & Mrs Evans

Theo at Aqua Wealth Management has been brilliant throughout the entire process of purchasing our first property and organising our pensions. He's very responsive, detailed and put us at ease. Theo's extremely knowledgeable and we would highly recommend him to anyone who's seeking expert advice and support.

LUMIN WEALTH REVIEWS

The team at Lumin have been wonderful as they have listened to my requirements, explained everything clearly and presented written reports for me to consider. I am delighted that I am now a client of Lumin. Apart from the professional advice I really appreciate the personal service. I have peace of mind knowing I have a great team looking after my finances and that I can talk to them.

Lumin wealth have managed mine and my wife's wealth platform for a number of years. In this sometimes confusing world you need someone who not only knows what they are doing, but can explain in jargon free plain English. Will Harris our platform manager is one such person, we feel very much skilled by his predecessor Jon Hussy - we trust that our relationship will be for many more years to come.

Switched to Lumin Wealth from my previous Financial Management provider at the start of this year as they were providing poor growth and support. Lumin have been excellent so far with much improved funds growth and support has been far superior, especially from James Corcoran. It has proved to be one of my best decisions.

TBR® Inspection Score Report

KDW FINANCIAL PLANNING Total Inspection Points: 116/120
Business Images: 8
Business Hours: 9
Complete Info: 9
Acknowledgements: 10
Exact Services: 10
Experience: 10
Legitimate Ratings: 10
Location Proximity: 10
Service Diversification: 10
Social Media: 10
Website Source: 10
Website Standard: 10

TBR® Inspection Score Report

AQUA WEALTH MANAGEMENT Total Inspection Points: 115/120
Experience: 8
Business Hours: 9
Complete Info: 9
Social Media: 9
Acknowledgements: 10
Business Images: 10
Exact Services: 10
Legitimate Ratings: 10
Location Proximity: 10
Service Diversification: 10
Website Source: 10
Website Standard: 10

TBR® Inspection Score Report

LUMIN WEALTH Total Inspection Points: 114/120
Experience: 8
Business Hours: 9
Complete Info: 9
Social Media: 9
Website Standard: 9
Acknowledgements: 10
Business Images: 10
Exact Services: 10
Legitimate Ratings: 10
Location Proximity: 10
Service Diversification: 10
Website Source: 10
We use cookies to improve your experience. By continuing, you agree to our Privacy Policy.