Novus

Restricted - Whole of Market  2 Sceptre House, York, North yorkshire, YO1 9QD
First meeting at adviser's own cost
We are Financial Advisers based in Harrogate, helping people to plan successfully for retirement and invest their wealth wisely.
We can advise you on
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Annuity purchase
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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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SIPPs
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Stakeholder
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Wealth management
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ISA / Unit Trusts / OEICs
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Investing for income
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OEICs
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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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Group critical illness
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Group income protection
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Group life insurance
Response rating
10/10
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FCA authorised
Last authorised 10th February 2020
Meet our advisers
Scott Palmer MA APFS
Chartered Financial Planner

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

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

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

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

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.

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.

This qualification assesses a knowledge and understanding of recent pension reforms and how the changes impact at-retirement advice.

This exam accesses understanding of the financial services industry including regulation and legislation.

This exam accesses understanding of the financial services industry, and its regulation, products and processes.

This qualification accesses the specialist knowledge and skills needed for advising on the transfer of safeguarded benefits

Accreditations
Chartered Financial Planner
What our clients say
“We have been clients of Novus Financial Services for many years. Throughout that time, we have been very satisfied with the services provided by Neil, Jon and their excellent administration team. We would recommend them wholeheartedly to anyone looking for friendly and efficient personalised investment, pension and financial planning.”
Mr and Mrs Brian Leach, Thornton
“The Novus Financial Services team provide us with a truly bespoke financial advice service, constantly seeking to understand our current situation and future plans (including hopes and dreams!). The team have successfully delivered above market average performance on our investments to date, with a great emphasis placed on optimising portfolio growth aligned to our attitude to risk. As circumstances change and we move towards a new life stage, Novus is a very important ‘partner’ in our decision making; providing relevant illustrations on future retirement possibilities based on our own objectives and assumptions. On a personal level, our Novus financial advisor is exceptional, always available to give advice and very willing to work around our busy diaries.”
Mr and Mrs J McAulay, Bishop Monkton
"I have been with Novus since it started and find the company very easy to deal with when ringing up for advice or arranging an appointment to discuss my financial affairs. Having Novus means that I can get on with my job and not have to worry about my pension or the best way to invest money as they do all the hard work for me."
Fiona, Lockerbie
“Chris has been dealing with my financial affairs since the early '90s and Claire since 2014. I have always found them both extremely efficient and easy to deal with. I have no qualms about recommending them to anyone who is looking for a reliable company that is still small enough to offer a personal service.”
James Proctor, Menston
“Novus has provided financial advice to my wife and myself for over 15 years. Their service has always been tailored to meet our needs at the time be it advice on pensions, savings or long-term portfolio planning. The annual review they undertake and consideration to risk in the management of financial matters is something that has helped us to sensibly evaluate the financial arrangements we make. We have always found their service friendly, professional and responsive to our needs.”
Mr A P Sturdy, Harrogate
About us

We are a team of Financial Advisers and dedicated support staff, based in Harrogate.

We have tailored our service for people with specific needs:

• Planning for retirement

We will help you understand how much income you will need in retirement to live your chosen lifestyle.

• Retiring soon

We will help you to structure your pensions, savings and investments so your income is taken as tax-efficiently as possible, and leave the financial legacy behind that you want to when you're gone.

• Already retired

We will help you carefully manage your pensions, savings and investments so they provide the income you need for the rest of your life.

• Inheriting wealth

We will help you ensure that your new-found wealth is used wisely, to help you achieve your short, medium and long-term financial goals.

• Investing for the future

We will help you to understand your current investments, make sensible decisions and invest tax-efficiently, in line with your risk tolerance.

Our services

There are many things which separate us from others, including:

Our experience: Our team has over 100 years' collective experience; we’ve helped clients steer through the good and the bad times.

Our dedicated support team: Our advisers are assisted by a knowledgeable support team, who are always available on the end of a phone.

Our approach to client relationships: The long-term relationships we build with our clients mean we truly understand what’s important to you.

Our local presence: We're proudly based in Harrogate, working with clients in Yorkshire and throughout the UK.

Where to find us

2 Sceptre House, Hornbeam Square North, Harrogate, Yorkshire, HG2 8PB

Preferred clients
Minimum wealth (income/assets)
£50,000
Minimum pension value
£50,000
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
10/10
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FCA authorised
Last authorised 10th February 2020

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