Our Financial Consultants / Paraplanners
Harvey Armstrong
Senior Financial Consultant / Chartered Financial Planner
Harvey is a Chartered Financial Planner who joined Lumin in January 2021 after graduating from university. He works with a wide range of clients and specialises in retirement planning, tax and Inheritance Tax planning, financial protection, cashflow modelling, and investment planning. Harvey takes a holistic approach, creating bespoke financial plans that reflect each client’s priorities, lifestyle, and long-term objectives, using regular reviews to ensure plans evolve as circumstances change.
Qualifications
Politics (BA Hons). University of Exeter, Chartered Financial Planner, APFS
Expertise
Insights by Harvey Armstrong
Can an annuity help fund life insurance for an Inheritance Tax bill?
With Defined Contribution pensions coming into the estate on death from April 2027, the old method of preserving pensions for Inheritance Tax efficiency will soon become an outdated strategy. So, what’s the alternative?
Is your “safe” cash quietly losing you thousands?
People are increasingly parking large sums of money in cash, unaware that a combination of inflation and tax slowly take it away from you. There is therefore one truth that cannot be overlooked – cash is not king.
Should I consider Relevant Life Insurance?
Looking for a simple, tax-efficient way to provide life cover for company directors and employees? Relevant Life Insurance (RLI) could be the optimal solution.
