Jonathan Lumb

• CII - Award in Financial Planning

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• Middle East
• Africa
• Far East

Jonathan qualified to advise in all areas of personal financial planning including:

• Retirement Planning – I create tailored strategies to ensure clients can retire comfortably, with sustainable and tax-efficient income streams.
• Lifestyle Financial Planning – I align financial plans with clients’ personal ambitions, helping them live the lifestyle they want now and in the future.
• Income & Cashflow Planning – I design structured income and cashflow strategies that provide clarity, stability, and financial peace of mind.
• Repatriation Advice – I guide clients through the financial, tax, and investment considerations of returning home after working abroad.
• Domestic & International Investments – I help clients access well-researched investment opportunities both locally and globally to maximise long-term growth.
• Regular and Lump Sum Savings – I structure efficient savings plans that turn regular contributions or lump sums into long-term wealth.
• Risk Reduction – I protect clients’ wealth through diversification, robust structuring, and careful risk management.
• Situs Asset Transfers – I provide expert guidance on moving and structuring cross-border assets to ensure efficiency and compliance.
• Education Fee Planning – I help parents and guardians prepare early to fund children’s education without disrupting other financial goals.
• Critical Illness Cover – I secure financial protection for clients and their families against the impact of serious illness.
• Asset and Insurance Protection – I safeguard wealth and assets through tailored protection solutions, ensuring long-term financial security.
• Life Insurance Cover – I provide bespoke life insurance strategies that protect loved ones and preserve legacies.
• Inheritance Tax Planning – I design estate planning strategies to reduce inheritance tax and ensure wealth passes smoothly to future generations.
• Property Investing – I advise on property acquisitions and structures to generate income and long-term capital growth.
• Pension Transfers/Consolidation – I help clients consolidate and transfer pensions into flexible structures, optimising growth and retirement access.