When you choose Financial Care Solutions you work directly with me, Catriona Lumiste, a fully independent Financial Adviser with over 14 years’ experience supporting individuals and families through life’s key transitions.  I own my business, and am not tied to any bank, investment company or large national firm, which means all recommendations are made solely in your best interests. 

I understand that financial decisions can feel overwhelming, especially during times of change or vulnerability.  That’s why I take the time to listen, and offer advice that is not only technically robust, but also thoughtful, clear, and tailored to you.

I have completed the Certificate in Consumer Vulnerability in Later Life and The STEP Advanced Certificate in Advising Vulnerable Clients and regularly work with clients who are navigating difficult or sensitive circumstances.  I am also committed to the Financial Vulnerability Taskforce Charter, an independent initiative that promotes greater awareness, good practice and ethical standards when supporting those in vulnerable situations.

As a fully accredited member of the Society of Later Life Advisers (SOLLA), audited and endorsed by the Government-backed Financial Skills Partnership, I specialise in retirement planning, care funding and estate preservation.   I also collaborate with legal and care professionals to ensure clients receive well-rounded, joined up advice when it matters most.

I’m proud to be a member of the Chartered Institute for Securities & Investments I and follow strict codes of conduct to ensure high standards of integrity and professionalism.