Independent Financial Advisers in Lincoln
The River Witham at sunrise, Lincoln by Mark Mulhern
We’re financial advisers in Lincoln, Lincolnshire, offering independent financial advice and investment management from our local office. Since 1976, we’ve been helping individuals and families take control of their financial future – with advice built around your goals, your life, and your values.
At Amber River, we believe financial advice should be as personal as your goals.
That’s why we focus on long-term relationships built on trust, clarity, and shared direction – giving you the confidence to plan ahead and make informed financial decisions, whatever stage of life you’re at.
As part of the Amber River Group, we’re a team of values-driven, independent financial planners with a shared passion for helping people live life on their own terms. We start by listening to what matters most to you, then build a bespoke financial strategy around your goals, not around products.
From pensions and retirement planning to investment advice, estate planning and protection, our FCA-regulated advisers in Lincoln offer clear, tailored advice shaped around your life – not by any single provider.
Because financial planning isn’t just about wealth. It’s about freedom, peace of mind, and living the life you choose.
We’re Amber River – and we go beyond financial advice.
This is Life Landscaping®.
Book a call with one of our Lincoln specialists – at a time that suits you.
There’s no cost to you, and no obligation.
Book a free call with one of our specialists – at a time that suits you.
Choose a time that works for you and get straightforward advice with no obligation.
Why Choose Our Lincoln Financial Advisers?
Our financial advisers offer bespoke solutions to help you achieve financial security. Whether you’re looking for investment advice or expert pension planning, we provide trusted, professional support.
- FCA-Regulated & Independent – Professional, impartial advice with your interests at the core
- Rooted in Lincoln Since 1976 – A trusted local team with decades of experience
- Personalised, Long-Term Approach – Advice that evolves with you over time
- Local Accessibility – Lincoln-based and UK-wide advisers offering in-person or virtual support
- Complete Financial Planning – Pensions, investments, inheritance planning, and more
- Free Initial Consultation – No-pressure first meeting to explore your goals
- Ongoing Support – A financial partner for every stage of your life journey
Meet Our Lincoln Financial Advisers
Here are just some of the faces and stories behind our Lincoln financial advisers.
Independent Financial Planner
Director, Chartered Financial Planner
Director, Financial Planner
Financial Planner
Financial Planner
Financial Planner
Independent Financial Planner
Chartered Financial Planner
Financial Planner
Financial Planner
Independent Financial Planner
Director, Financial Planner
Financial Planner
Financial Planner
Chartered Financial Planner
Mortgage Consultant
Independent Financial Planner
Independent Financial Planner
Director
Managing Director
Financial Planner
Why clients in Lincoln trust us
We’re proud of the relationships we’ve built and the trust we’ve earned – by being transparent, listening carefully, and delivering advice that’s genuinely tailored to each client.
Financial Advice We Offer
Our advisers offer personalised financial planning support, designed around your goals, values, and ambitions. Whether you’re just getting started or planning for retirement, we’ll work closely with you to build a clear, confident financial roadmap.
Pension & Retirement Planning
- Maximising pension savings
- Pension drawdown & annuity guidance
- Sustainable retirement income strategies
IHT & Estate Planning
- Inheritance tax strategies
- Trusts & long-term wealth protection
- Passing assets efficiently to the next generation
Investment & Wealth Management
- Creating tax-efficient investment portfolios
- ISAs, stocks & shares, and ethical investments
- Risk-managed investment solutions
Mortgage & Protection Advice
- Life insurance & income protection
- Equity release & later-life financial planning
- Mortgage & remortgage advice
Looking for advice today?
Take control of your financial future with guidance from our trusted Lincoln-based independent financial advisers. Whether you need pension planning, investment advice, or mortgage support, we’re here to help.
✅ Free initial consultation – no obligation
✅ Local & FCA-regulated financial experts
✅ Bespoke advice tailored to your goals
Fill out the form and one of our advisers will call you back at your preferred time.
Prefer to speak now? Call us on 01206 480380
Speak to a financial adviser in Lincoln today, simply leave your details and we’ll be in touch.
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FAQs
Got Questions About Financial Planning? We’ve Got the Answers
How much does financial advice cost?
We offer clear, transparent pricing tailored to the services you need. All fees are agreed upfront, with no hidden charges – and we only work with clients where we know we can add long-term value.
What does an independent financial adviser (IFA) do?
An IFA provides impartial advice across the whole of the market. This means the guidance you receive is shaped entirely around your needs – not limited by specific providers or products.
How do I find a reliable financial adviser in Lincoln?
Look for FCA-authorised professionals with experience in your local area. Our Lincoln advisers offer a no-obligation initial consultation, so you can get to know us before making any decisions. Use our ‘Find an Adviser’ tool to get started.
What services do your Lincoln advisers offer?
We provide tailored advice on pensions, investments, estate planning, mortgages, protection, and employee wellbeing. Our approach is always personal, evolving with your needs over time.
Can you help with investment advice in Lincoln?
Yes. Our Lincoln team offers thoughtful, risk-managed investment strategies – including ISAs, sustainable investing, and long-term portfolio planning – all designed to grow your wealth with confidence.
Are your Lincoln advisers FCA-regulated and chartered?
Yes. All our advisers are regulated by the Financial Conduct Authority (FCA), and many hold Chartered status – demonstrating the highest levels of ethics, professionalism, and technical expertise.
Do you offer free consultations in Lincoln?
Absolutely. You’re welcome to meet with us in person or connect remotely for a free initial consultation. It’s an opportunity to ask questions and see how we might support your goals.
Can I get financial advice remotely from Lincoln?
Yes. We offer flexible remote advice through secure video, phone, and online tools – ideal for clients who prefer to manage their finances from the comfort of home.
Do you serve areas outside Lincoln, like Newark or Grantham?
Yes. While Lincoln is our local base, we also work with clients across the wider region – including Newark, Nottingham, Peterborough, Northampton, Grantham, and beyond.
Amber River Group companies adhere to the FCAs principles of Treating Customers Fairly (TCF). Read more here
The information contained within this site is subject to the UK regulatory regime and is therefore targeted primarily at consumers based in the UK.
The Financial Conduct Authority does not regulate National Savings or some forms of mortgage, tax planning, taxation and trust advice, offshore investments or school fees planning.
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