About us

We are Luma, a face-to-face financial planning service based on the south coast. Clear advice, built around your life and goals.

About

About Luma

How we work

Meet the wider team

Financial advisers

Steve Davies Celeste Harris Michael Triggs Hannah Gardener Jake Reynolds Adam James Andy Oliver Lisa Rolfe Steve Blinman Michael Hayward Michael Hayward

Mortgage advisers

Hayley Tutton Julie Taylor-Kreft Matt Gibson Rachel Cumming Tracy Thompson

Services

Whether you’re saving for the future or already retired, we can help you grow, manage and protect your wealth with confidence.

Retirement planning

A solid plan for your golden years

Investing

Investing to grow and protect your wealth

Family financial planning

Building financial security for every generation

Financial planning for business

Translating business success into personal wealth

Tax efficiency

Keeping more of what you've worked for

Estate and inheritance planning

Protect your legacy with careful planning

Protection

Protect yourself against life's unexpected turns

Equity release

Unlocking cash from your home safely

Mortgage advice

Help with buying, remortgaging or moving home

Remortgaging

Let's explore your options

First time buyers

Support for your first home

Specialist Property Finance

Short-term access to funds

Who we help

Whoever you are, and wherever you’re starting from, we can help. Our advice is built around your life stage, your goals, and your future.

Young professionals

Build strong financial foundations early in life

Growing families

Build security for those you love most

Business owners

Align business success with your personal financial goals

High-Net-Worth individuals

Simplify complexity, save tax and protect your lifestyle

Professional athletes

Turn a short career into lasting wealth

Sole traders

Straight-talking financial advice, so you can get on with life

Established families

A financial plan for your family's next chapter

Nearing retirement

Making the most of the decade before retirement

Retired people

A solid plan for your golden years

High earners

It’s not just what you earn, it’s what you keep that counts

Milestone planning

Life is full of big moments, from buying your first home to retiring early. Your financial plan will be centred around your goals, so you can use money as a tool to help you live the life you want.

Saving for a wedding

Budget wisely for your big day

Having a baby

Protect and provide for your baby from day one

Life-changing pay rise

Turn a pay rise into lasting financial security

Retiring early

Your plan to quit the rat race

Giving my kids a leg-up

Help them onto the property ladder or beyond

Making that bucket list purchase

Balance life’s big dreams with lasting security

Selling my business

Maximise value and minimise tax on exit

Leaving a legacy for my family

Pass on more to the people you love

Getting on the ladder

Plan and save for your first property purchase

Client area

Let's get started

Michael Hayward

Financial Adviser

Swipe me

About Services Who we help Milestones planning Client area Let's get started

Simple plan, Bright Future

Privacy policy Terms & conditions Site disclaimer Website by Think Creative

The Partner Practice is an Appointed Representative of and represents only St. James's Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority) for the purpose of advising solely on the Group’s wealth management products and services, more details of which are set out on the Group’s website www.sjp.co.uk/products. The ‘St. James's Place Partnership’ and the titles ‘Partner’ and ‘Partner Practice’ are marketing terms used to describe St. James's Place representatives.

Luma Financial Planning is a trading name of Firmitas Financial Services Ltd. Firmitas Financial Services Ltd is registered in England and Wales, Number 09525692. Registered Office: 3 Acorn Business Centre, Northarbour Road, Cosham, Portsmouth, Hampshire, PO6 3TH.

SJP approved 12/09/2025