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About Us

Originally established in 1971, Lowes Financial Management has a distinguished history of giving independent financial advice to a wide range of people throughout the United Kingdom.

Over the years our personal approach to financial planning has helped our clients to prosper and Lowes is now recognised as one of the UK’s top 100 Independent Financial Advisers. We were one of the first firms to achieve the accreditation of "Chartered Financial Planners", a status we share with only a handful of other firms in the United Kingdom.

We strive to maintain the highest standards in both the quality of advice that we give and our relationship with our clients; the results of our latest client survey can be read here.

Our work has been recognised not only by our clients but also in some of the most prominent finance awards. Most recently, Lowes won the 'Best Tax and Estate Planner' award at the prestigious 'Good Advice' awards 2009, the 'Best IFA website' at the Professional Adviser Awards 2010, and was 'Highly Commended' for the 'Education' category at the same Award ceremony. In September 2010, Lowes was also awarded 'Best Invesment Adviser' at the 'Good Advice Awards'.

It is a testament to our services that many of our clients have been with us since inception. Each client not only has the benefit of a dedicated personal consultant but also the backup of our highly qualified Technical Department who help the consultant ensure that the advice is current and suitable to their ongoing needs. Lowes advises clients on a wide range of financial aspects, such as investments, inheritance tax planning, pensions and long term care. A combined wealth of experience and industry knowledge ensures our clients receive financial advice that is tailored to their personal needs and expectations. To read more about Lowes Financial Management and see what we can do for you, click here.

Our History in this Market

These investments began appearing in the UK retail investment market in the early 1990s, and Lowes has been reviewing them for over 17 years. The number of contracts available was initially very small but by the end of the decade they were being released at the rate of three or four a month.

As the supply of contracts increased, we began to identify an alarming number that we felt were potentially misleading and providing arguably insufficient reward in return for the risk to which the capital was being exposed. As a result, we published a leaflet entitled "The Truth Behind Those High Yield Stockmarket Bonds". The first article warning of the dangers of what later became known as "precipice bonds" was published in October 2000 and was as a direct result of the Lowes leaflet.

Our review service helped many IFAs and investors to avoid similar looking, but very different plans, like the Keydata Secure Income Bond. Equally as important, the service identified some of the better value investments, such as Keydata's FTSE Growthbuilder Plan, Nvesta's Quad Tracker and the Woolwich Accelerated Growth plans, which have done very well for our clients.

Lowes now contributes frequently to the media and we are often the first point of contact for the press looking for unbiased and objective comment on matters relating to structured products.

This website is designed to allow you to gain an overview of this market and invest directly into the plans. There are some products that we have chosen to exclude from our website. This is on the grounds that they are from, or connected to organisations with which we have unsatisfied, ongoing enquiries into client and sector impacting matters. We have an extremely competitive fee structure that allows you to invest in structured products through us without receiving financial advice. Our usual fee is 1.65% of the amount invested. We would, of course, encourage anyone with any doubts about the suitability of the investment for them to Contact Us.

When you have used the service, which is entirely free, we would welcome your views. Please Contact Us to let us know what you think.

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Lowes Financial Management is Authorised and Regulated by the Financial Conduct Authority. For further information please visit

Lowes Financial Management

Lowes have been Independent Financial Advisers since 1971. We are active reviewers of structured products, and we have used them in portfolios since the early nineties. We were also one of the country's first adviser firms to achieve the accreditation "Chartered Financial Planners".


When you have used the service, which is entirely free, we would welcome your views. Please contact us to let us know what you think.


If you like this site then please tell a friend.


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This is not compulsory, but we'd like to send you an email once a fortnight with links to new 'Preferred' plans launched in the last two weeks. Also receive a free guide to Structured Products.

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