Sandy Lowth at Mitchell Company Ltd

Sandy Lowth • CFP ™, APFS, Chartered MCSI
Chartered Financial Planner and Chartered Wealth Manager
SOLLA Accredited Later Life Adviser & Care Fees Specialist

Sandy has over 25 years’ experience in the financial services industry. She is an Associate of the Personal Finance Society, a Chartered Member of CISI (Chartered Institute of Securities and Investment), and is one of an exclusive group of advisers to have been awarded both Chartered Financial Planner and Chartered Wealth Manager status.

Sandy advises on all areas of financial planning, from savings and investments to pensions and retirement planning. Working closely with local solicitors, attorneys, trustees and professional connections Sandy can also provide advice on inheritance tax planning, trustee investments, care fees planning and financial issues associated with divorce. 

Sandy is an accredited care fees specialist having attained the later life planning qualifications CF8 and G80.She is also the recipient of the Later Life Adviser Accreditation from the Society of Later Life Advisers (SOLLA). She has many years of experience in helping to support and advise families who are faced with difficult and emotional decisions when a family member or friend is faced with paying for care. She was also recently awarded the prestigious SOLLA Retirement Standard Award. These accreditations qualify her to advise and guide people in later life who are approaching retirement or concerned about the cost of care. 

She is committed to delivering a personal service and building close client relationships based on integrity and trust.

Sandy is married with 4 children and enjoys spending time with her family, travelling and learning to play golf.


  • Advanced Planning Certificate
  • AFPC G10 Taxation and Trusts
  • AFPC G20 Personal Investment Planning
  • AFPC G60 Pensions
  • AFPC G80 Long Term care and protection
  • AFPC SV1 Savings and Investments
  • JO2 Trusts
  • AF5 Financial Planning Process
  • CF8 Long Term Care Insurance
  • ER1 Equity Release
  • Financial Planning Certificate (FPC 1, 2 & 3)


  • Chartered Financial Planner
  • Chartered Wealth Manager
  • SOLLA Later Life Accredited Adviser
  • SOLLA Retirement Standard Award
  • Member of the Personal Finance Society and the Chartered Institute of securities and investments


1st testimonial

We first met Sandy in 2011 as a specialist in care annuities and later life planning. It was a very big step for my 78 year old Mum to divulge personal financial details and take advice from someone she didn’t know. She had not had an advisor before and wasn’t convinced she needed one.

The prospect of needing to pay care-home fees caused us to look at her financial situation with her and it very quickly became clear that she did. This was an especially stressful time in Mum’s life with Dad’s dementia rapidly worsening and the reality of no longer being able to care for him at home herself being difficult to accept.

Any discussion on care homes, fees and planning for living apart from him was going to be difficult and we wanted an IFA who had the financial expertise but also the inter personal skills and sensitivity to look after Mum.

Sandy has been exceptional in every way. She has a caring and kind manner which has helped us all. She has been proactive and attentive when she needed information from us in order to give mum the financial advice she required and has let us go at our own pace when we needed to. She has continued to advise mum after my dad’s death and is giving really valuable advice with flexibility and understanding of mum’s needs. She has always taken the time to make sure that mum understood and was happy with advice given and has made the process of reinvesting as easy as it probably could be. We are impressed with her recommendations and very pleased that she is looking after Mum’s finances so well.”….. Binnie

2nd testimonial

Mrs. Lowth became my financial adviser on the death of my husband just over four years ago. She has been outstanding in her comprehension of my position, (my husband was an Accountant and saw to all our financial affairs).She has taken a great deal of trouble to explain everything to me with patience and has also made it easier for me recently by coming to my house for meetings. I look on her as a friend to whom I can turn to with any problems and I strongly recommend her in every way …...Lines

3rd testimonial

Mrs Sandy Lowth was recommended to us by our solicitors as she specialised in care home fees for the elderly. We found her very approachable with an understanding of the needs of the elderly.

She listened to what we needed to ensure that our aunt was comfortable in her care home and produced a detailed report for us to consider. She offered various options to obtain the best return for our aunt’s money and to ensure sufficient funding for several years, but did not pressurise us in to any particular option.

We would definitely recommend her…… Wilson

4th testimonial

When I needed a Financial Adviser six years ago I was recommended to Sandy Lowth by my solicitor. My husband had recently died. Sandy remains my adviser, helping me to understand the intricacies of financial investment and making sure that my money continues to work for my benefit and that of my family.

I consider Sandy to be a friend and confidante, and she is very important to me. I am therefore very happy to recommend her to you….. Best

How to contact Sandy

Tele – 01737 222387

Email – sandy.lowth@mitchellcompany.co.uk

Web – www.mitchellcompany.co.uk

Full Address

Priory House.

45-51A High Street




How to contact Sandy

Tele – 01737 222387

Email – sandy.lowth@mitchellcompany.co.uk

Web – www.mitchellcompany.co.uk