Norfolk & Suffolk Financial Services Ltd

Independent Financial Adviser  3 Quay View Business Park, LOWESTOFT, 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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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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Critical illness
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Income protection insurance
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Life 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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Corporate pension
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Employee benefits
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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
9.7/10
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FCA authorised
Last authorised 20th June 2022
Meet our advisers
Mr 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

Mr Chad Morris BSc (hons) APFS
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 - individual adviser accreditation
Mr Phil Ball BSc. (Hons) ACIB APFS
Chartered Financial Planner and Director

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.

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.

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.

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.

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.

Accreditations
Chartered financial planner - individual adviser accreditation
Miss Jodie Ward BSc (Hons) DipPFS
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.

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

This examination assesses a knowledge and understanding of the different types of equity release products, risks to the consumer associated with equity release and application of suitable equity release solutions according to the circumstances of different customers.

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 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.

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

What our clients say
My husband reached retiring age and we needed help with sorting out pensions and plans for the future. The main thing for us was Chad listened to what our needs were, sorted out all the pension forms, taking out all the worry for us. We trusted Chad from the start and had great confidence in him, even though we had never met, but it was obvious he was going to work everything out for us and made the plans needed for our future. We have and will continue to recommend Chad and will certainly go back to him if necessary at anytime.
LF, Norfolk
We had a sum of Money to set aside to back-up any possible future care needs and also for a longer-term investment and needed advice to make sensible and safe choices. We were both relaxed with Phil and felt confident in his advice. He assessed our attitude to risk and recommended a plan to cover our requirements. Phil was patient and thorough, explaining all possible options.
DG & GG, Suffolk
I was made redundant and I had many different pensions, Jodie was able to contact every company and pull together all the options. Jodie put them into a very useful summary and she explained it so well which made my choice to retire very easy, and allowed me to relax knowing that my income was sufficient for my needs up until my state retirement kicks and beyond and good enough for my wife after I am no longer here. She was superb, precisely what I was looking for.
TE, Suffolk
I already had some financial planning in place when I was unexpectedly made redundant which necessitated these to be reviewed and updated. Phil took over from my previous Financial Adviser smoothly and without any issues. I was delighted to find him friendly and approachable with the ability to explain complex financial issues simply and clearly whilst ensuring I understood what he was saying. Phil explored all my financial options, explained them thoroughly and made clear, concise recommendations which I was happy to accept and follow. Extremely pleased with the management of my finances and excellent advice I have received from Phil.
AT, Norfolk
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
I approached Jodie seeking advice covering retirement, savings and pension provision. I have been concerned about advice previously received, performance and charges. A thorough review of my current arrangements was carried out - also a full and thorough cashflow going forward was also completed. Alternative options were put forward to compare charges and performance. I was also made aware of the charges etc for this advice from the outset. I was impressed with the advice I was receiving from a "local company".
DF, Suffolk
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, NR32 2HD
Preferred clients
Minimum wealth (income/assets)
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Minimum pension value
£51,000
Minimum mortgage value
£0
Advice methods
  • phoneButton
    Telephone
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    Online (Live chat, video, email)
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    Face to face
Response rating
9.7/10
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FCA authorised
Last authorised 20th June 2022

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