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About Us

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.

The keystone upon which Lowes and its clients have prospered is our personal approach to financial planning, enabling us to help clients with their goals to build and ultimately protect their wealth. One of our proudest achievements has been receiving the accreditation of “Chartered Financial Planners”, which is considered to be the gold standard of excellence and integrity.

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. It is a testament to our service and investment advice that over 97% of clients who recommend Lowes to a friend, relative or colleague.

Our work has been recognised not only by our clients but also in some of the most prominent finance awards. We won Best Investment Adviser at the prestigious 2018 Money Marketing Awards and have been finalist in 38 Professional awards in the last decade.

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

Structured Products began appearing in the UK retail investment market in the early 1990s, and Lowes has been reviewing them for over 20 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 warned 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 many of the worst contracts whilst our clients benefited from many of the better value investments.

Lowes 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.

Lowes now collaborates with industry providers such as Mariana Capital and Investec to develop and create new structured products. To view the latest Mariana 10:10 plan and Lowes/Investec 8:8 plan please click here.

More recently, Lowes Financial Management launched the Lowes UK Defined Strategy Fund which is an actively managed fund comprising a series of defined investment strategies. The Fund capitalises upon skills and structured investment selection success enjoyed by Lowes clients, built up over several decades. To find out more, please click here.

This website is designed to allow you to gain an overview of this market and invest directly into various plans on offer. 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.

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.

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