Who We Are
Lower My Charges provides high quality advice at a low affordable cost helping you to secure a better financial future.
Our founders are experienced financial services professionals. After years in the industry, they have recognised that financial advice isn’t always easy to access, isn’t easy to understand and the costs can be confusing, unclear and hard to compare.
Lower My Charges aims to help you understand what happens to your money when you receive financial advice, or when fees are deducted from the financial products recommended. Knowing the impact of your decisions now can have a significant impact on the performance of your products in the future, as well as on your financial and personal wellbeing.
Learn more about how charges can affect your wealth
Our Values
Independent
We are an independent business, not owned by any large financial services business. We only have your interests at heart.
Impartial
We are completely impartial and have no vested interests in any recommendations we make. We will not sell you anything.
Informative
We are fully transparent, providing information on our charges and the impact they have on your fund performance and financial goals.
Intelligence
Our service uses a combination of digital technology and efficiency, together with human experience and insight, to provide intelligent financial planning.
Integrity
We always act with integrity and treat all our clients exactly the same. It doesn’t matter how much or how little you have to invest. All our clients benefit from the same low charges.
Meet the team

Ian Brewer – CEO & Founder
Ian is a multiple award winning, creative and innovative financial advice distribution expert. He has hands on experience in on-line distribution and is a pioneer in remote financial advice distribution.

Peter Deane – Chief Operating Officer & Co-Founder
Peter is an award winning Financial Services Marketer who has worked on some of the most famous brands in the sector.

Ian Brewer – CEO & Founder
Ian is a multiple award winning, creative and innovative financial advice distribution expert. He has hands on experience in on-line distribution and is a pioneer in remote financial advice distribution.

Peter Deane – Chief Operating Officer & Co-Founder
Peter is an award winning Financial Services Marketer who has worked on some of the most famous brands in the sector.


Gerald Evans – DipCII – CeMAP – Financial Adviser
Gerald joined Lower My Charges at inception on January 2019 as a Financial Planner bringing with him over 30 years experience in Financial Planning within both the Bank assurance and independent world.


Dylan Roberts – DipFA – CeMAP – MLIBF – Financial Adviser
Dylan is an experienced financial services professional, with a background of providing compliance services to banks and large financial organisations on a consultancy basis.

Rachael Jenkins – LLB – Financial Administrator
Rachael is our Financial Services Administrator, her background is from High Court Enforcement and RTA claims management within the legal and financial sector and also from compliance management.
Interested in working at Lower My Charges?
Good location
We are based at Caerphilly Business park, only 5 minutes from Caerphilly town centre and 30 minutes from Cardiff.
Competitive Salary
We offer our employees the chance to do great work, with great rewards.
Plenty of Benefits
We offer a full range of employee benefits, including discounts on holidays, travel, lifestyle, grocery shopping and gym memberships.
Bonus Scheme
Employees can benefit from our Lower My Charges bonus scheme that we judge based on customer satisfaction.
Current job opportunities
Para-planner
We do not have any vacancies at the moment but are always looking for people who are interested in sharing our vision.
Please get in touch using the enquiry form below
Investor Relations
We have received a six figure Angel Investment from the Investors behind the Havisham Group and are using this to develop our proposition and a Beta version of our technology.
Identified as a business with high potential we have been accepted onto the Welsh Ice 50 Accelerator and the Business Programme backed by the Welsh Government. We are currently applying for further Grants from the Welsh Government for technology support and job creation.
We will be looking to raise further investment in the near future, which has certified EIS status and would be delighted to hear from potential Investors interested in helping us achieve our vision to help millions of people save thousands of pounds.
To find out more about helping us achieve this vision please get in touch using the enquiry from below.