David Lloyd

We are WHOLE OF MARKET INDEPENDENT FINANCIAL ADVISERS. Sorry if the capitals are a bit shouty, but the importance of independence is vital and can not be highlighted enough. This means we are NOT RESTRICTED in the products we use or areas of advice we can advise on. We are passionate about whole of market advice and will never sell out to become restricted. I don't wish to be too brag too much, but I have achieved chartered status in the profession. If I didn't tell you, you wouldn't know and it is a bit of a beauty parade isn't it! (which also explains the airbrushed photo). Lloyd & Co's reason for being is to ensure our clients get the absolute maximum out of their lives so we focus on the mindset and heart as much as the money and invest as much time as the client needs. Lloyd & Co. Financial Planning is situated in Hoghton Street Southport Merseyside. Our ethos is focused firmly on our clients happiness, planning is all about making sure you live the best life you possible can. We place our client’s hopes, goals and aspirations at the heart of everything we do. We do not charge for time. We believe we need to get to know each other and place our clients in a situation where they are informed and understand all the options available. Your future is a big deal, we will take as long as it takes to get you in a position to know which way is forward. We only charge if you engage as an ongoing client, you will understand the charges and only go ahead if you can see value in partnering with us for your future. As independent financial advice is much broader than restricted advice we will spend as much time together as is needed to get you to a position of being fully informed and understanding which direction is forward. This takes time and can be a contributing factor to an independent adviser having fewer reviews in comparison to restricted advice, as restricted advice can be completed much quicker due to the restricted options and limited products the adviser can utilise. Choosing the right company to partner with for your financial future is so important. I believe clients need to compare, without comparison how will you know how good the adviser and the company are? With this in mind, I recommend you kiss at least three frogs (sit down with three advisers). Of course, they should all be independent financial advisers, and I would be happy to be one of them. We make amazing coffee too, we actually have a coffee menu called "Lloyd & Co-ffee"