Independent Financial Advice

Established in 1975, FH Manning Financial Services Ltd based in Horncastle, Lincolnshire provide independent financial advice to individuals, corporate clients and trustees. We are authorised and regulated by the Financial Conduct Authority.

With a track record of over 40 years we believe in offering individuals and business owners the opportunity to work with a local company who understands the challenges facing us all.

Our commitment to you is to listen to your story and use your current position as a base for developing your future, to be your partner in building a lifestyle plan.

A long term relationship with our team is based on mutual trust and openness and will allow you to explore new ideas, prioritise goals and make the right financial decision for you and your family.

We believe creating a financial plan allows us to help you map out your future, providing peace of mind and helping you understand how decisions made now will impact your lifestyle throughout retirement.  It will also provide clarity in the event that the unexpected happens.

Financial planning is not just about pensions, investments and tax.  These are the tools we use to help you achieve your goals.  Financial planning is about ensuring you achieve the life you want for as long as you live and knowing there will always be someone there who will listen.

Would you like to retire five year’s early?

Well the first step is to find out where you are on that path.  We all need a plan and making sure the right things are in place will help you have the lifestyle you want in retirement. If you would like an insight in to whether you are ready why not complete the FH Manning Readiness for Retirement Scorecard by clicking this link: ARE YOU READY?


FH Manning Financial Services Ltd has been providing independent advice to satisfied clients for many years. Our highly qualified staff are fully conversant with all matters relating to finance, investment and taxation.This enables us to formulate tailor made financial packages that suit your particular circumstances.

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Mr H Had been a client for many years and on the sale of his business had an Estate which exceeded the Inheritance Tax nil rate band. We used a number of different strategies, including making a gift to his son, to ensure that by the time he was 70 his Estate would not be paying any Inheritance tax. His son is now also a client and we are working on a plan to enable him to stop work at age 55 and play more golf.

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Mr Z approached us wanting to extract the full value from his pension policy to provide him and his disabled wife with access to capital. Having explained the impact this would have in terms of tax and loss of State benefits, we developed a Plan to provide him with access to some capital whilst retaining benefits and ensuring his wife would be financially secure should anything happen to him.

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Lifestyle Planning

In 1998 a couple came to us, at the age of 38, from a referral from a family member. At the time they had just started working in a family business, had a small mortgage and investments they had done themselves over the years valued at £80,000. The goal was to accumulate £1,000,000 by the age of 60, to be able to retire if they wanted, knowing that they had sufficient capital to maintain their lifestyle. With careful planning, consistent returns from a diversified portfolio, designed in house and the use of tax efficient savings plans we helped them achieve their goals 3 years early. Now their children are joining the family business and we are looking forward to working with them to achieve their goals as well.

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Family planning

We are happy to advise on appropriate insurance policies that are designed to support you when things don't go quite according to plan.

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We are signatories to the Chartered Insurance Institute's Consumer Confidence Campaign, demonstrating our commitment and pride in the industry.

More details can be found here +


If you’ve received unsolicited contact about an investment or pension opportunity Check the FCA Warning list and find more information here +