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Financial advice from Lighthouse

Lighthouse Financial Advice Limited (Lighthouse) is the appointed provider of financial advice for UCU members.

Financial peace of mind - make it happen!

Doing nothing is why many people struggle to make ends meet. Granted, dealing with financial issues can be challenging. For instance, do you know if your pension will give you enough income when you retire? Or whether you could afford to retire early? Or if your savings could be more tax-efficient? Or how you could help your children or grandchildren financially? But these things have to be faced.

Talking them through face-to-face with one of our professional financial advisers will set your mind at ease.

UCU has appointed us to provide financial advice to members on account of our specialist knowledge of public sector pension schemes and other financial issues affecting people working in adult education. The advice we provide is practical, affordable and professional. It is specific to you and could improve your financial situation.

Complimentary financial check-up

As a member of UCU you are entitled to a no obligation, complimentary consultation with one of our professional advisers. They will explain how you could benefit from advice and how much it will cost. You can then decide whether to go ahead. We have around 140 advisers in the UK, so there should be one near you.

We can explain how you may be able to:

  • build up a nest-egg tax-efficiently, for yourself or for your children or grandchildren
  • boost your pension provision, so you will be able to enjoy a comfortable retirement
  • protect your family's income, so you and they will have enough money if the worst happens
  • take your pension and get the best possible income
  • pay for long-term care
  • pass on your wealth to your loved ones in a tax-efficient way.

Call 08000 85 85 90 or email appointments@lighthousefa.co.uk to arrange a complimentary, no obligation, appointment with one of our professional financial advisers.

Thinking about accessing your pension? Talk to us before you do anything

Deciding how to secure the income you need for the rest of your life is one of the biggest decisions you will ever have to make. Once you have made your decision it may well be impractical to revise your choices.  While the "pension freedom" changes are, on the whole, for the better, they make drawing your pension more complicated and wrong decisions could have costly and far-reaching consequences.

The government is offering free guidance to help you understand your options. However this won't provide you with comprehensive advice that takes into account your particular situation and needs. For that you should talk to us, UCU's preferred provider of financial advice to members. The advice and recommendations we provide are specific to you.

Find out more about your options for taking your pension - download our Pension Options flier from the Downloads links at the bottom of this page.

Call 08000 85 85 90 or email appointments@lighthousefa.co.uk to arrange a complimentary, no obligation, appointment with one of our professional financial advisers.

Independent mortgage advice at preferential rates

Your mortgage is likely to be your biggest financial commitment and your home may well become your biggest financial asset. It therefore pays (quite literally) to get it right.

As a member of UCU, you have access to independent mortgage advice for a preferential fee from our specialist mortgage advisers. Their job is to find you the right mortgage whatever your situation:

  • moving home
  • first-time buyers
  • raising capital
  • buy-to-let
  • right to buy
  • buying a second home.

Our independent mortgage specialists will explain the various types of mortgages and recommend the most appropriate for your circumstances. They will then search the market to find a suitable deal for you and guide you through the application process, ensuring that, as an UCU member, you secure the mortgage you need at a competitive rate. Importantly, they will also recommend ways of protecting your mortgage payments against the unexpected.

We are offering this service to UCU members at the preferential rate of £249 per mortgage, payable when you have received a suitable mortgage offer. This fee may be offset against our fee for any additional advice about insurance and protection policies that you take out through Lighthouse  when taking out your mortgage. You are also likely to have other costs to pay, for instance legal and lender fees.

Book an appointment with your local Lighthouse Financial Advice mortgage specialist now on 08000 858590 or email enquiries@lighthousefa.co.uk and find out if you could save £££s on your mortgage.

Your home may be repossessed if you do not keep up repayments on a mortgage or other loans secured on it. Business buy to let mortgages are not regulated by the Financial Conduct Authority.

Seminars on topical financial planning issues

We organise seminars in universities and colleges on a wide range of financial planning topics. The seminars, which are free of charge, have a relaxed, informal atmosphere. Topics can include:

  • planning for redundancy
  • income and wealth preservation
  • savings and investments
  • planning for retirement
  • drawing your pension.

Alternatively, we can run a surgery, where members book 30-minute, individual, confidential consultations with one of our experienced financial advisers.

To discuss holding a seminar or surgery in your university or college please email events@lighthousefa.co.uk.

To find out more about how we can help you go to our website.

The value of your investments can go down as well as up, so you could get back less than you invested. Tax advice which contains no investment element is not regulated by the Financial Conduct Authority.

Lighthouse Financial Advice Limited. Registered in England No. 04795080. Registered Office: 26 Throgmorton Street, London, EC2N 2AN. Lighthouse Financial Advice Limited is an appointed representative of Lighthouse Advisory Services Limited, which is authorised and regulated by the Financial Conduct Authority.

2017-10-31  17.3217  exp22/11/18