NBS Financial Planning Ltd

Independent Financial Adviser  NBS Financial Planning, Shipley, West yorkshire, BD18 3LQ
First meeting at adviser's own cost
Award-winning pension specialists, here to help you to move forward with confidence and peace of mind.
We can advise you on
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Annuity purchase
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Auto enrolment
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Pension consolidation
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Pension drawdown
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Pensions & divorce
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Pensions & retirement planning
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Pensions review
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Pensions transfer
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SIPPs
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Stakeholder
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Wealth management
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Ethical investments
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ISA / Unit Trusts / OEICs
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Investing for income
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Investment trusts
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OEICs
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Offshore investments
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Socially responsible investments
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Traded endowment policies
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Unit trusts
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Lump sum
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National savings
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Regular savings
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Savings for children
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School fees planning
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Accident & sickness
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Critical illness
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Healthcare
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Income protection insurance
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Life insurance
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Payment protection insurance
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Capital gains tax
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Estate planning
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Income tax
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Taxation planning
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Long term care
Response rating
7.0/10
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FCA authorised
Last authorised 17th February 2020
Meet our advisers
Sophie Marfell
Chartered Financial Planner

This examination assesses a knowledge and understanding of the various pension products, the pension tax regime and retirement needs.

This qualification helps advisers develop and demonstrate their financial planning capabilities. 

To achieve the Associateship grade, individuals would be required to have 6 AFPC (Diploma) units or equivalent. This shows a commitment to continuous professional development.

Having achieved the APFS designation, advisers can go onto to achieve this recognisable benchmark of quality and ethical practice for financial services professionals, elevating financial planning and advice in the public eye to the same standing as other Chartered professions. The holder must demonstrate a combination of experience, financial qualifications, ongoing educational activity (continuous professional development) and ethical behaviour.

This examination assesses the candidate to develop in depth financial planning skills related to personal and corporate pensions.

To achieve DipPFS individuals must achieve 140 credits. At least 80 credits must be at Diploma or AFPC level.

This examination assesses the candidate to develop an understanding of the financial planning process when giving advice to clients.

This examination assesses the candidate to develop in depth financial planning skills related to investments and the management of investment portfolios.

This examination assesses the candidate to develop in depth financial planning skills related to personal tax and trusts.

At the end of this unit, candidates should be able to demonstrate an understanding of the: process of decumulating pension funds and the main issues for clients and advisers; main choices facing members of pensions schemes during decumulation; features, risks and tax treatment of the secured pension option; features, risks and tax treatment of the unsecured pension option; features, risks and tax treatment of phased retirement; features, risks and tax treatment of the alternatively secured pension option.

This examination assesses a knowledge and understanding of financial protection plans.

This examination assesses a knowledge and understanding of investment products and the risks involved.

At the end of this unit, candidates should be able to demonstrate an understanding of: the basic structure of the tax system and self-assessment; the main taxes on income and capital that may be charged on individuals, the self-assessment system and how tax liabilities are computed; impact of residence and domicile on an individuals liability to UK tax.

At the end of this unit, candidates should be able to demonstrate an understanding of the: legal principles associated with the creation and management of a trust; main types of trusts that are common in the UK; taxation considerations relevant to trusts.

This qualification enables professional advisers to develop specialist planning capabilities, covers topics like: personal tax and trust, business financial, pension and investment planning.

To achieve the CertPFS (DM) and individual needs to pass 2 diploma units in Regulation and ethics and Discretionary Investment Management

Accreditations
Chartered Financial Planner
What our clients say
I felt that Sophie really understood and cared about what I wanted to achieve, and it made such a difference to have someone then show me clearly and explain simply how to make it happen. I've been raving about her to everyone.
J Robinson, Silsden
After our first meeting I felt like a cloud had been lifted and I wouldn't hesitate to recommend Sophie to anyone. NBS helped me to focus on my priorities for the future. Money is not everything, but it is needed to achieve things and it's good to know we now have a clear vision of what we are able to achieve and when. We feel confident that we can enjoy life a bit more and still provide for the family.
S Cave, Leeds
My wife and I were taken on a journey of discovery as Sophie took the time to listen. The true discovery for us was the fact that we have the ability to live our dreams without compromising our investments. The finances have not changed in monetary terms, but they now have a purpose and are being put to good use in helping us fulfil our dreams. Having the money is one thing, having the desire and the courage to use it in a structured and managed way is the real benefit. Sophie created this new opportunity for us.
D Fox, Shipley
The NBS service provided a lot more detail and clarity on my personal finances. Prior to this it was all guesswork and assumptions that everything would be ok in the short and long term. I am more assured that I can see and understand my current and future position.
R Kearsley, Leeds
About us

NBS is an award-winning firm of Independent Financial Advisers, leading the way within the profession with growing numbers of delighted clients.

At NBS we understand that you probably have a pretty good idea of what you'd like to do, but like many of our clients you may be unsure about how to go about it, and whether you'll definitely have "enough" to do things in the way you'd like to, at the time that you'd like to, without causing any problems further down the line.

Perhaps you're considering reducing time spent at work, retiring completely, having more holidays or time with family. We use our knowledge and expertise to help you get to the point of knowing what needs to be done, when, and how, so that you can move forward with confidence.

We don't just help you make more money, we'll help you maintain security for you and your family while surprising you with what's really possible.

You don't have to just take our word for it - do read our client testimonials and browse our website for more information.

We look forward to hearing from you and supporting you on your journey.

Our services

As you would hope, we are highly qualified and knowledgeable in the technical aspects of financial advice (including Pension Transfer Specialist qualifications), but primarily we will take the time to listen. We help people in their 50s make life-changing decisions with confidence, so they can sleep easier at night, be happier during the day, and not miss any more opportunities. Our clients tell us they feel liberated afterwards, and that the process was much more enjoyable than they expected!

"NBS enabled us to not only create a vision of the future, but to actually live it."

Where to find us

NBS Financial Planning, 22 Victoria Road, Saltaire, Shipley, West Yorkshire, BD18 3LQ

Preferred clients
Minimum wealth (income/assets)
£100,000
Minimum pension value
£100,000
Minimum mortgage value
£0
Advice methods
  • phoneButton
    Telephone
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    Face to face
Response rating
7.0/10
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FCA authorised
Last authorised 17th February 2020

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