Pensions
Retirement planning, pension reviews and consolidation, and drawing your pension in the way that suits your life.
Independent financial advice for life in Luton and the South East
Pensions, investments, mortgages, protection, tax planning and estate planning from a local, FCA-regulated family firm advising across Bedfordshire, Hertfordshire and Buckinghamshire since 2003.
FCA regulated
Since 2003
First consultation free
Start a conversation
Tell us what you need help with
Whether it's retiring well, moving home or protecting your family, the first step is a relaxed conversation, and the first consultation is usually free.
No pressure, no obligation, plain English
Advice given on a clear fee basis
Mortgage enquiries: call our dedicated line, 01582 414636
Request a call back
We'll come back to you within one working day.
What we advise on
Financial advice for every stage of life
Independent advice, tailored to you, from first mortgage to retirement and everything in between.
Investments
Investing for capital growth or income, built around your goals, timescale and appetite for risk.
Mortgages
Residential and buy-to-let mortgages, with a dedicated mortgage line and CeMap-qualified advisers.
Protection
Life cover, critical illness, income protection and private medical insurance, so a setback never becomes a crisis.
Wills & Estate Planning
Wills, trusts, inheritance planning and long-term care, keeping more of what you've built in the family.
Tax Planning
Sensible, compliant planning to reduce unnecessary tax and make allowances work harder for you.
Client testimonials
Trusted by families across three counties
“Excellent service from Steve, already recommended to friends and family.”Jay & Tracy Jeffcoate
“Your whole team is professional and extremely helpful.”Marie Dunn
“Thorough, comprehensive and most importantly, not pressurised.”Richard & Lita Waddington
Three of the 22 named client testimonials on our testimonials page. [Google review rating to be added]
How we work
A clear six-step process, starting with a free first meeting
1
A free first meeting
We get to know you, your circumstances and what you want your money to do. No charge, no obligation.
2
Understanding your goals
A full picture of where you are now: income, assets, commitments and the things that matter most.
3
Research and analysis
Our paraplanning team researches the whole of the market behind every recommendation we make.
4
Our recommendation
A clear, plain-English recommendation, with the costs and the reasoning set out openly.
5
Putting it in place
We handle the paperwork and the providers, and keep you informed at every step.
6
Ongoing annual reviews
Life changes, so plans should too. We review your plan with you on a forward-planned annual basis.
Meet your advisers
A local team you'll know by name
MP
Martin Pitkeathly
Director
Co-founder of the firm, advising local families since 2003.
[adviser photo to be added]
PG
Paul Gregory
Director
Level 4 Diploma in Regulated Financial Planning.
[adviser photo to be added]
SC
Steven Coote
Financial Adviser
Level 4 Diploma in Regulated Financial Planning.
[adviser photo to be added]
MC
Millie Cox
Mortgage Adviser
CeMap qualified.
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Every recommendation is backed by our in-house paraplanning team.
Where we work
17 Manor Road, Caddington,
Luton, Bedfordshire LU1 4EE
Local to Luton, at home across three counties
Our office is in the village of Caddington, just outside Luton. We advise clients across Bedfordshire, Hertfordshire and Buckinghamshire, and we're easily reachable from London and the wider South East.
Capital Manor Financial Advisors17 Manor Road, Caddington,
Luton, Bedfordshire LU1 4EE
Caddington office
Luton
Bedfordshire
Hertfordshire
Buckinghamshire
Reachable from London
Common questions
Straight answers before you get in touch
Do you charge for a first meeting?
No. Your first consultation is usually free and comes with no obligation. If we go on to advise you, our advice is given on a clear fee basis agreed with you up front.
Are you independent?
Yes. We are an independent financial adviser (IFA), and an Appointed Representative of Lyncombe Consultants Ltd, which is authorised and regulated by the Financial Conduct Authority (FCA reference 223967).
What areas do you cover?
We advise clients across Luton, Bedfordshire, Hertfordshire and Buckinghamshire from our office in Caddington, and we're reachable from London and the South East.
What do you advise on?
Pensions and retirement planning, investments, mortgages, protection and insurance, tax planning, and wills, estate and inheritance planning. We also advise businesses on corporate and employee benefits.
Ready to talk it through?
Book your free first consultation, or pick up the phone. We've been advising families here since 2003, and we'd be glad to help yours.