Joe Fisher

What is your average day like:‍

No two days are ever the same. I enjoy being part of my clients’ futures and helping to shape their arrangements to give them financial freedom and navigating life events such as a new job, (early) retirement, or the sale of a business or property. It involves discussing my clients’ financial goals, analysing investment options, and creating tailored financial plans to help them best meet their financial goals. It’s incredibly rewarding to help clients overcome adversity and improving the financial outlook through sensible and robust planning, for instance in a redundancy or divorce situation. I find leading the St Albans Financial Planning team, which I find energising, helping a less experienced adviser prepare for an upcoming exam and developing the personal skills required to accompany clients on their ongoing financial planning journey. In recent years, I’ve spent hundreds of study hours on achieving Chartered Financial Planner status, which elevated my knowledge of complex tax laws and financial products. I enjoy being active, and you might see me in the gym, cycling, on the golf course or football pitch.

What do you like most about your job?

Without a doubt helping a client achieve their financial or lifestyle goals. Often the two go hand in hand. This might manifest itself in a client achieving an early retirement off the back of a robust financial plan, or helping a family pass wealth down to the next generation and save on inheritance tax. I see myself as a financial planning partner; guiding my clients through the often-complicated financial planning questions, scenarios and obstacles that occur naturally over the course of our advice relationship.

How long have you worked in Financial Services

I’ve been in financial services since 2014. Before joining Lumin as a financial advisor in 2018, I worked as a capital markets analyst and reporting manager.

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What Joe's Clients Have to Say

Tom

Lumin Wealth makes complex advice feel simple. Joe and Ellie are brilliant throughout.

Mark

Joe and his team are friendly, helpful, and clear. Advice is easy to understand, and I feel in safe hands.

Sarah

Professional, approachable, and knowledgeable—Joe makes financial planning simple and stress-free

Emma

Fantastic service from Joe and the team. The whole process was smooth, easy, and reassuring.

Chris

Joe combines expert advice with a personal touch. I trust him completely with my financial planning.

These testimonials are from current clients of advisors in the Trusted Advisor Network. No compensation (non-cash or otherwise) was provided in exchange for these testimonials. Trusted Advisor does not have any material conflict of interest with the persons giving these testimonials.

Joe Fisher is a Chartered Financial Planner and Financial Planning Manager at Lumin Wealth, where he leads the St Albans team. Since entering the financial services industry in 2014, Joe has built a reputation for providing clear, practical, and highly personalised financial advice, helping clients navigate major life events such as early retirement, business sales, and inheritance planning.

Known for his calm, approachable manner and deep technical knowledge, Joe focuses on creating robust financial plans that give clients confidence and clarity. He is passionate about mentoring less experienced advisers and takes pride in simplifying complex topics like tax and investment strategy.

Before joining Lumin in 2018, Joe held roles in capital markets and business performance analysis, adding valuable depth to his advisory work. Outside of the office, he enjoys staying active—whether at the gym, cycling, or playing golf or football. Just don’t offer him fruit—he’s not a fan of the texture!

Meet With Joe Fisher

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