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Rachael Lynch

Financial Planning Consultant DipFA,CeMAP® in Maghull

A little bit about Rachael

As a qualified Financial Planning Consultant, I help clients understand how to create effective investment and pension strategies, grow their short, medium and long-term wealth and achieve financial freedom.

Find out more about me below.

Start the conversation

Your money won’t reach its goal unless it has a direction. But with a plan, it can work towards something better. I can help.
Contact me today

An adviser’s insight

Money needs a plan. Here’s where to start

Money doesn’t make decisions on its own. Left sitting in cash, it quietly loses value. That’s why having a plan matters. It’s not about being wealthy or knowing all the answers – it’s about giving your money direction. And in the UK, many people miss out simply because they don’t take that first step.

  • Most people in the UK save sporadically or leave money sitting in cash – missing out on growth.
  • Planning gives peace of mind. It turns uncertainty into clarity.
  • The earlier you start, the more powerful the impact – but it’s never too late.
  • Quilter’s purpose is to help build brighter financial futures. That starts with a plan.
  • Investing always carries risk. The value of investments can go up and down and you may get back less than you invested.

Making your money work for you

Why investing matters

  • Lazy money loses value over time – inflation chips away at it.
  • Investing little and often helps your money grow without needing to be an expert.
  • A plan helps you stay focused and avoid reactive decisions.

Inflation and ‘lazy money’

  • Inflation quietly erodes the value of your savings.
  • £10,000 in cash today could be worth significantly less in 10 years.
  • Investing helps protect your money from inflation and grow it over time.
Ready to build your plan? Contact me using the details above.

Services

Business Services & Protection

Commercial mortgages/remortgages, workplace pension and employee benefits. Commercial mortgages are by referral only.

General Insurance

Home contents insurance, buildings insurance.

Holistic planning

Establishing and reviewing trusts, complete personal risk management planning, short- and long-term savings and investments.

Income Protection

Permanent health insurance to provide a regular income should you be unable to work due to illness or injury.

Investments

Wealth management advice to make your money work as hard as it can for you, including making the most of any tax breaks available.

Pensions

Expert advice to help provide comfort in your retirement.

Protection

Whole of life and term assurance protection, private medical arrangements, critical illness insurance.

Dental & Medical

Financial planning for dental and medical professionals, in-depth knowledge of NHS pensions and needs of hospital doctors, GPs, dentists and locums.

Qualifications

Diploma for Financial Advisers

  • The Diploma for Financial Advisers from the London Institute of Banking and Finance is the primary award for financial planners that develops core technical understanding across a broad range of key financial planning areas.

CeMAP Diploma - Level 4

  • The CeMAP Diploma elevates expertise and knowledge in mortgage advice.

Location

Rachael's location

Maghull
Merseyside
L31
United Kingdom

Rachael is located in Maghull and offers expert financial advice to suit your needs.

I also offer services in the following areas:

I also offer services in the following areas:

  • Aughton
  • Ormskirk
  • Formby
  • Southport
  • Liverpool
  • Merseyside
  • Lancashire
  • Rufford
  • Parbold
  • Mawdesley
  • Burscough
  • Southport
  • Lancaster
  • Kendal
  • Ambleside
  • Windermere
  • Grasmere
  • Lake District
  • Carnforth

More about me

I am a financial planner with a specialist interest in making financial services more accessible to investors of all ages.

I want more people to feel empowered by their finances, rather than confused by them. I believe strongly that a well-structured financial plan can support wider lifetime goals and ambitions, and I spend time getting to know clients before making any recommendations, in order to understand their aims and objectives.

With a strong focus on financial advice for women, I understand the financial gaps and life events that disproportionately affect women - from career breaks and caring responsibilities to juggling multiple roles and longer life expectancy. My advice is tailored to real life, not just spreadsheets.

I am also known for debunking financial myths and making complex topics easier to understand. Clients say they appreciate my ability to explain pensions, ISAs, investment portfolios, and protection planning in clear, simple language.

Away from my desk, I love spending time with my (rapidly growing) children and husband, writing fiction, and making endless attempts to return to running.

The Financial Conduct Authority does not regulate some employee benefits, tax planning, inheritance tax planning, estate planning, succession planning, trusts or some buy-to-let mortgages.

The guidance and/or information contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.

Registered Office: Quilter Financial Advisers, Senator House, 85 Queen Victoria Street, London, EC4V 4AB. Tel: 0207 562 5856. Registered in England and Wales. Registered number: 05693185. Lighthouse Financial Advice Limited, Senator House, 85 Queen Victoria Street, London, EC4V 4AB. Tel: 0207 562 5856. Registered in England and Wales. Registered number: 04795080.

Quilter Financial Planning Network only: This financial promotion was approved by Quilter Wealth Ltd, Quilter Financial Services Ltd, Quilter Mortgage Planning Ltd, Quilter Financial Ltd, Quilter Financial Planning Solutions Ltd & Lighthouse Advisory Services Limited on 01 August 2022.