If your RSUs are vesting this year,
you need a plan now.
Plain-English RSU advice for UK employees who want clarity on tax, vesting, and concentration risk.
We can help you if...
- You have RSUs vesting and are unsure when or how to sell
- You are worried about UK Income Tax and NIC at vesting
- A large part of your net worth sits in one employer’s shares
- You want to make decisions based on numbers, not opinions
- You would rather get this right once than undo mistakes later
Real RSU Cases We've Worked On
Everyone we help at Lumos Financial has different goals and ambitions, which is why every financial plan we create is tailor-made. Our client success stories demonstrate our long-held, genuine desire to make a difference to people’s futures.
How we helped two business owners discover how their business could help them achieve financial independence, find a way to purchase their commercial premises, and put plans in place to protect their young family.
How we helped a professional couple to simplify their investments, and provided reassurance that their ambitions to financially assist their children and live an enjoyable retirement were on track.
Please take the time to visit our profile and read our reviews on Google.
Why RSU Holders Work With Us
UK-specific RSU understanding
Advice built around HMRC rules, Income Tax, NIC, and real vesting events.
Plain-English, numbers-first guidance
No jargon, no scare tactics, just clear scenarios and trade-offs.
Focused on decisions, not products
The goal is to help you make the right RSU decisions, not sell you something.
Meet Shabbar
Having been in Financial Services since 2005, and with over 15 years experience in advising clients, I decided to set up Lumos Financial in late 2020.
A Financial Planner and Equity Release specialist, I’m passionate about helping my clients to have absolute clarity and peace of mind when it comes to their financial future. I believe one of the best ways to achieve this is by being financially organised.
Financial Times Top Rated
It can be easy to get clients to leave glowing testimonials about the service they have received. These can be cherry picked to reflect the best side of an adviser. But how about when those who write in the financial press comment on the professionalism, knowledge and competence of an adviser?
Read an article in leading Financial Times publication FTAdviser, which tells the story of when a mystery shopper contacted Shabbar…
FAQs
Financial planning is all about getting to know your situation as it is now and discovering your future ambitions, then working out what your ideal lifestyle would cost.
Financial planning entails exploring your assets and income, and ascertaining whether it’s possible to achieve what you want, with what you currently have. If it is, then we can create a plan to keep you on track, allowing for any bumps along the way that might threaten to derail your plans. If it isn’t, then we’ll come up with a solution to get you to where you want to be.
Financial advice is more to do with pairing you with the right products to support your journey towards your financial and lifestyle goals. It calls for expertise and knowledge to ensure the right products are selected in line with your attitude to risk, that they will deliver the desired results, and that they are the most tax efficient choices.
Yes, we are regulated to provide pension and investment advice. We help many clients by reviewing their current pension situation, providing clarity on what it is likely to deliver, and whether it will be sufficient to meet particular lifestyle ambitions in retirement.
We can also provide advice on consolidating pensions, and on helping you get on track with your pension so that it has the best chance of meeting your future goals.
Independent financial advice is essential if you want to be sure that you are receiving impartial guidance and product recommendations from the whole of the market.
Independent financial advisers work independently for their clients, rather than representing a single insurer or product provider, or only having access to a limited panel of providers.
Taking independent advice really is the only way to be sure you are receiving recommendations that are in your best interests.
Yes, you are welcome to book a free Discovery Call by telephone or video call so that we can get to know each other and make sure we have the expertise to help you. The call is free of charge, and carries no obligation.
We are qualified and regulated to offer a full range of services, including independent financial advice, financial planning, retirement planning, pension advice, equity release advice, investment advice and management, estate planning, and wealth management.
