Ben Mitson — Independent Financial Adviser in St Albans
About Ben Mitson
Ben Mitson is a Financial Consultant who joined Lumin Wealth in 2021 as one of the original cohorts of the Adviser Academy, where he now specialises in holistic wealth management and helping clients build clear, sustainable plans for their financial future. He takes a detailed, analytical approach to financial planning, combining cashflow modelling, investment portfolio analysis and regular reviews to ensure clients remain on track to achieve their long-term objectives. Ben's particular areas of expertise include retirement planning, tax planning and investment analysis. He works closely with clients to understand their wider financial circumstances before developing strategies designed around their individual goals. Regular reviews are an important part of his approach, allowing him to assess progress, respond to changing circumstances and ensure portfolios continue to reflect clients' needs and objectives. As a Diploma Level 4 qualified professional, Ben is currently working towards Chartered status and continues to develop his technical knowledge. He also holds qualifications in mortgage advice and equity release, giving him a broader understanding of the financial considerations clients may face at different stages of their lives. Before joining Lumin Wealth, Ben lived in Japan for two years, where he taught English. He also has a BA (Hons) in Ancient History from the University of Nottingham.
Services
- Retirement planning
- IHT planning
Specialisations
- Retirement Planning
- Protection Planning
- Inheritance Tax Planning
- Tax Planning
- Investment Management
- Pension Planning
- Holistic Financial Planning
- Mortgages
Qualifications
Level 4 Diploma in Financial Planning (DipPFS) Certificate in Mortgage Advice and Equity Release (Cert CII MP & ER)
Regulation
Ben Mitson is FCA-verified (firm: Lumin Wealth).
Frequently Asked Questions
Is Ben Mitson an FCA-regulated financial adviser?
Yes. Ben Mitson is FCA-regulated and verified by Trusted Advisor. We re-check every adviser's FCA status regularly to make sure their authorisation to give regulated advice is current.
What services does Ben Mitson offer?
Ben Mitson offers Retirement planning, IHT planning. You can see the full list of services on this profile, or book a free initial call to discuss your situation in more detail.
How much does it cost to use Ben Mitson?
Fees vary depending on the service, the complexity of your situation and the assets involved. Ben Mitson will explain all fees clearly before you commit to anything, and the initial consultation booked through Trusted Advisor is free.
What is the difference between an independent and a network financial adviser?
Ben Mitson is an independent financial adviser, which means they can recommend products from across the whole of the UK market without being tied to any single provider. This generally allows for more impartial advice.
How do I book a consultation with Ben Mitson?
Click "Book a Consultation" on this page to choose a time that suits you. The first call is free and there's no obligation. If you'd prefer, you can also message Ben Mitson directly through the contact form.
Does Ben Mitson work with clients outside St Albans?
Many of the advisers on Trusted Advisor work with UK clients remotely as well as in person. Ben Mitson is based in St Albans but you can confirm preferred meeting locations and video options when you book your initial call.