Get clarity onyour retirement track.new money, safely.buying your first home.mortgage rate lock.SIPP vs ISA.freelance pensions.family protection.startup equity.leaving your legacy.your risk level.that ChatGPT answer.

Full financial advice is valuable, but it is built for larger portfolios and ongoing relationships. Most money questions are smaller than that. A mortgage decision. A pension worry. A quiet feeling that you should be doing something with your savings but you are not sure what.

Lumotalk sits in that gap. One call, a fixed price you see upfront, and an expert whose only job is to help you think clearly.

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Independently vetted expertsEvery expert is checked before they can take a call.
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No one sells you anythingExperts are paid for the call and nothing else, so there is never a pitch at the end.
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A fixed, upfront priceSessions from £28, shown before you book. Your first 10 minute call is free.
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Honest about limitsIf your situation needs regulated financial advice, your expert will say so and point you in the right direction.

Not ready to talk yet? Start with your Snapshot.

Free

The Net Worth Snapshot gives you a clear picture of where you stand in a few minutes. A useful starting point for any call.

Get my free Snapshot →

From real sessions

What people say afterwards

The session was good. The response to my query was concise and very helpful.
Verified user

The website was really easy to navigate, and everything made sense quickly.
Naveen

Even in a short session, I came away with something useful. The expert was easy to speak to.
Anurag

Common questions

Before you book

What is Lumotalk? +

Lumotalk helps you speak with vetted financial experts when you want clarity on your money questions. You can talk through your situation, understand your options, and decide what to focus on next, without sales pressure or product recommendations.

Is Lumotalk financial advice? +

Lumotalk is designed for financial guidance and coaching, not regulated financial advice. Experts can help you understand your situation, explain concepts, discuss your options, and help you think through next steps. They cannot recommend specific financial products or tell you exactly what to buy, sell, invest in, or switch.

How does the AI second opinion work? +

Paste your ChatGPT, Claude or Gemini conversation on the homepage and we match you with the expert best placed to talk it through. The conversation stays on your device until you book a session. After payment it is attached to your session preparation automatically, your expert receives a short briefing built from it, and your call starts from where the AI left off instead of from scratch.

You can also add a conversation after booking, from the session preparation steps. Either way, it is only ever shared with the expert you book.

Will experts sell me financial products? +

No. Lumotalk is designed to be a comfortable space to ask money questions without sales pressure. Experts are not allowed to sell financial products, recommend specific products, or earn referral fees from anything discussed in a session.

Is the snapshot tool free? +

Yes. The snapshot tool is free. It helps you compare your salary, savings, debt, pension, and net worth to UK averages for your age group. It is a starting point, not a judgement or a full financial plan.

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Ten free minutes could save you an expensive guess.

Bring the decision you have been sitting on, or the AI chat you have been having about it. An expert will help you see it clearly.

Book your free 10 minute call →