Norfolk & Suffolk Financial Services Ltd

Independent Financial Adviser  3 Quay View Business Park, Lowestoft, Suffolk, NR32 2HD
First meeting at adviser's own cost
We are Chartered Financial Planners, providing a professional, comprehensive service, with competetive charges.
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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Buy my next home
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Equity release
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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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Commercial mortgages
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Corporate pension
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Employee benefits
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Group ISA
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Group Pension/Stakeholder
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Group Protection/Life Insurance
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Group critical illness
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Group income protection
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Group life insurance
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Group private medical insurance
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Group risk
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Long term care
Response rating
10/10
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FCA authorised
Last authorised 6th July 2020
Meet our advisers
Mike Davies
Managing Director

The Diploma enhances knowledge in core areas such as regulation, investment principles, risk, taxation and personal financial planning using real-life scenarios to develop the essential skills to apply this technical knowledge in practice

Chad Morris
Chartered Financial Planner and Director

This qualification assessed the knowledge and understanding of the UK regulation environment in the financial services industry together with types of mortgage products and repayment options and the giving of mortgage advice.

This examination assesses a knowledge and understanding of the Government’s simplified pension taxation regime which came into full effect on 6 April 2006 (A-Day). Eight tax regimes for pensions were reduced to one, radically affecting planning and transactions.

In order to have completed this qualification, individuals were required to obtain three units. These could have been selected from any combination of the available units at that time but must have included the compulsory G10 unit - Taxation and Trusts.

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 assessed a knowledge and understanding of the UK tax system, the law and practice of trusts, but also an ability to advise individual clients on the tax treatment of their investments and the use of trusts to meet their current and foreseeable future needs.

This examination enhanced general pension knowledge, particularly in pension transfers and opt-out business.

This qualification assesses a knowledge and understanding of the UK regulation environment in the financial services industry, lifetime mortgage products, repayment options and the giving of mortgage advice.

This qualification assessed a knowledge and understanding of portfolio investment management.

This examination assessed a knowledge and understanding of investments and an ability to advise individual clients on the construction of investment portfolios to meet both their current and foreseeable future needs.

This examination assessed knowledge and understanding of income generating options and applying the knowledge to retirement planning situations.

This examination assessed knowledge and understanding of the range of investments available for planning of pensions and to be able to apply the construction of a pension portfolio management for a client.

This examination assessed the knowledge and understanding of economic factors that affect risk from different investments, product features and regulatory framework of retail investments, taxation liabilities and portfolio planning.

This examination assesses a knowledge and understanding of the legislative and regulatory position of home reversion plans and their place in the advice process.

This qualification assesses a knowledge and understanding of the UK regulation environment in the financial services industry, long term care insurance products and the giving of long term care insurance advice.

Accreditations
Chartered Financial Planner
Phil Ball
Independent Financial Planner

This qualification assesses a knowledge and understanding of investment products and the application of the investment advice process.

This qualification assesses the understanding of the commercial and regulatory financial services environment, the role and legal obligations of regulated advisers and key concepts of risk and ethics.

This qualification assesses a knowledge and understanding of the UK taxation system, and the ability to analyse the taxation treatment of individuals and trusts during the investment advice process.

This unit concentrates on products, services and legislation that inform the financial planning and advice process.

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 qualification assesses a knowledge and understanding of an ability to analyse pension and retirement planning issues.

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 qualification assessed the knowledge and skills to enhance the career and promotion prospects of those aspiring to middle and senior management positions.

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.

The Diploma enhances knowledge in core areas such as regulation, investment principles, risk, taxation and personal financial planning using real-life scenarios to develop the essential skills to apply this technical knowledge in practice

This qualification assesses a knowledge and understanding of the UK regulation environment in the financial services industry, long term care insurance products and the giving of long term care insurance advice.

At the end of this unit candidates should be able to analyse and apply financial information and portfolio management skills

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

This exam accesses understanding of key retail financial products such as savings, investments and tax wrappers.

Jodie Ward
Independent Financial Planner

This qualification assesses a knowledge and understanding of investment products and the application of the investment advice process.

This qualification assesses a knowledge and understanding of an ability to analyse financial protection planning issues.

This qualification assesses a knowledge and understanding of the UK taxation system, and the ability to analyse the taxation treatment of individuals and trusts during the investment advice process.

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

This qualification assesses a knowledge and understanding of the financial services industry, including regulation, legislation and the Code of Ethics.

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

This qualification assesses a knowledge and understanding of an ability to analyse pension and retirement planning issues.

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.

What our clients say
Chad helped me by setting up my pension so that it would fit in with my lifestyle. The outcome is more than I could have hoped for from the beginning. There is nothing he could have done better, I was very nervous at meeting him, worried that I might not understand some of the things he would be telling me about pensions but he put me at ease immediately by explaining things in a straight forward easy to understand way.
JM, Suffolk
Phil looked at all of our pensions and asked us what we wanted from them when we retired. After listening to us he then explained the best way to invest what we had to give us a comfortable retirement. He explained everything clearly and in a way so that we understood everything. He looked at our financial position and has come up with an excellent plan which is affordable for us and should give us an adequate income when we retire. Phil was patient with us as we did have to ask him to explain some things a few times to ensure that we understood everything. For us personally, I don't think Phil could have done any better. He certainly has put our minds to rest.
MF & JF, Suffolk
Chad reviewed my circumstances thoroughly before discussing all my options. He explained the products available to me in detail and made sure I understood all the pros and cons of equity release before I made my decision I found him to be impartial and felt that he was committed to finding the option that would best suit my needs. I am very pleased with the outcome which was more than I was hoping for. There is nothing Chad could have done better, I would recommend him and use his services again if needed
BS, Suffolk
Phil is always friendly and approachable. He explains things to us in a very customer-orientated way, using language we understand. He is happy to answer any questions we have in a straightforward way. We have always found him to be very knowledgeable and the advice he has given us has been invaluable. We have been very satisfied with his advice and, with retirement around the corner, we are happy with the way the investments are progressing and the savings are in hand for this next stage of our lives.
SM, Norfolk
About us

Norfolk & Suffolk is an independent company, directly authorised and regulated by the Financial Conduct Authority. Founded in 1974, we provide independent financial advice to people, businesses, charities and trusts. We employ four advisers who are “general practitioners”, but also specialise in areas including taxation, corporate planning, investments and long term care planning.

Our services

We are chartered financial planners, established in 1974, offering a comprehensive financial planning service. Chartered status is an exclusive title which is only awarded to firms which meet rigorous criteria relating to their professionalism and capability. We provide independent, whole of market advice, on all areas of financial planning to individuals, trusts, charities and companies.

Where to find us
Head office address: 3 Quay View Business Park, Barnards Way, Lowestoft, LOWESTOFT, Suffolk, NR32 2HD
Preferred clients
Minimum wealth (income/assets)
£0
Minimum pension value
£50,000
Minimum mortgage value
£0
Advice methods
  • icons
    Face to face
Response rating
10/10
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FCA authorised
Last authorised 6th July 2020

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