Financial planning.

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Life is not always plain sailing and at any time your financial and personal circumstances may unexpectedly change. PEMCarrwood, a joint venture between PEM and Lighthouse Carrwood, is our independent financial advisory service that provides wealth management advice to individuals and their businesses.

We believe that, whatever your age and circumstances, you are more likely to achieve your personal and business financial goals if you use an independent financial adviser (IFA). Your PEMCarrwood IFA will help you to establish your financial objectives and, working closely with your usual PEM contact, suggest a comprehensive wealth management strategy tailored to your specific needs and objectives.

PEMCarrwood is a trading style of LighthouseCarrwood, an appointed representative of Lighthouse Advisory Services which is authorised and regulated by the Financial Conduct Authority. They are independent from PEM and the advice they provide, and the satisfactory delivery of this service is the responsibility of Lighthouse Carrwood. Any activities with PEM Carrwood will be carried out under separate Terms of Business.

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