
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.
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An adviser’s insight
If it’s time for financial advice, I can help you
Coming into a sum of money can be exciting and overwhelming at the same time, especially if it’s sudden or unexpected. And while you’re trying to process all the emotions involved, you’ll probably have to make some important financial decisions as well.
Whether you’ve received an inheritance, a windfall, or a lump sum from work, having an adviser to help guide you and make a sensible plan can take away some of the stress and worry so you can focus on the benefits.
I can help you understand all the different options available to you, taking advantage of any allowances so your money works as tax-efficiently as possible.
I can also help you adjust your financial plans or make completely new ones by showing you how the choices you make today could impact your future.
Together, we can put your money to work in a way that helps you feel confident about the future.
Tax treatment varies according to individual circumstances and is subject to change.
Approver Quilter Financial Services Limited & Quilter Mortgage Planning Limited. May 2025.
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.