HOW WE CAN HELP YOUR FINANCES GROW!

Transcription

1 HOW WE CAN HELP YOUR FINANCES GROW!

2 A FRESH APPROCH TO FINANCIAL ADVICE Like many other people, you may decide it s time to take stock of your life and your finances. After all, your financial well-being plays a part in nearly everything you do, or look forward to doing in the future. Whether you re looking for the best pension plan, mortgage, investment t: e: info@norfolkfs.co.uk scheme or life assurance policy, the most suitable product for you is almost certainly out there. Norfolk Financial Services is an appointed representative of Virtual Net (Europe) Plc which is authorised and regulated by the Financial Services Authority.

3 Finding the right IFA There are many ways to select an IFA. For example, you may select an IFA by something as simple as their location or you may require an IFA that specialises in a subject such as investments, healthcare or even ethical issues. If you re looking for an IFA to deal with a specific issue, then the criteria you use to select your IFA is even more important. Since your IFA will be working on your behalf, it s important that you establish a good working relationship from the outset. There s no reason why you have to really like your adviser, but you shouldn t feel uncomfortable with someone to whom you will probably have to reveal an amount of personal information. So your first meeting will be quite informal, giving you the perfect opportunity to get to know one another and to establish the basis of what should grow into a long-term association. t: PAGE 3

4 TIED & INDEPENDENT FINANCIAL ADVICE Tied advice Independent financial advice People who represent a single One way to make sure you receive outlook. When financial products organisation, such as many banks and building societies, are called tied advisers or company representatives. They are only able to offer advice on a limited selection of products. Therefore, they cannot advise you on whether these products are more suitable for you than those available elsewhere. unbiased advice on the full spectrum of financial products and providers is to contact an independent financial advisor (IFA). In one respect IFAs are tied, but not to the products of a single company. Rather, they are bound to their regulator s rules, which obliges them to provide advice most suited to your personal requirements and your risk are recommended they must take into account the benefits provided, charges, flexibility, service and financial strength. So you can be sure, whether you decide to act on their advice or not, an IFA will approach the financial market from a unique perspective. Yours. PAGE 4

5 ABOUT US Mark Shubrook is the Director and Senior Independent Financial Adviser at Norfolk Financial Services Ltd. His career in Financial Services advice commenced in 1992 with the Prudential before moving to Norwich Union. Mark has now been an Independent Financial Adviser for 3 years and has achieved all of the qualifications and experience to ensure that the advice you receive is best for you and your family. t: PAGE 5

6 THE AREAS WE OFFER ADVICE ON INCLUDE: Pensions Do you fancy the idea of living on about 100 per week when you retire? Life Assurance If your partner died, what would be the financial implications for your family? That s pretty much the prospect unless you make additional pension How much would it cost to protect your loved ones? arrangements either by setting up a Personal Pension or being part of a company scheme. A 30 year old non smoker could get 150,000 of life cover for 15 years for 8.21 per month as at 21 May PAGE 6

7 Savings & Investments (including stocks & shares and ISA S) We have access to the best ISA and Investment Bond Funds available. If you are unhappy with the performance of your current investment we can advise you on the way forward. Other Areas Of Advice: Mortgages Health insurance Keyman insurance and share protection Wills Income Protection / Critical illness cover t: PAGE 7

8 Inheritance Tax Planning With the recent increase in house prices more and more people are likely to pay tax on their estates. Other concerns for many include the Equity Release If you are interested or considering releasing equity from your property you need professional advice that you can trust. We are able to give you the details that you really need to know, choosing the most suitable product from all of the providers out there. effect of a partner going into care and the fees coming out of the estate. One thing is sure with all forms of tax; if you do nothing the government will use its considerable powers to make sure a share of your hard earned wealth ends up in their coffers PAGE 8

9 FREQUENTLY ASKED QUESTIONS How Do You Charge? An initial consultation is free of charge. We offer fee or commission based payments for our services, or indeed a combination of both. Will We See You Again? We are in the position where we can offer yearly reviews to ensure that your financial I Already Have A Pension/Savings Is It Any Good? Most of the people we deal with already have plans in place. We are able to review these to ensure that you are getting the best returns and value for money. If no one has reviewed your plans for several years, we strongly recommend a review now. objectives are on track. t: PAGE 9

10 SO WHAT HAPPENS NEXT? If you would like to sit down and discuss your financial situation our contact details are as follows: Tel: Web: An initial call will probably take 1 1½ hours and then another appointment if required will be arranged for me to offer my recommendations. We do believe that you will find this an enjoyable and informative experience and we look forward to meeting you soon. PAGE 10

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12 t: e: Norfolk Financial Services is an appointed representative of Virtual Net (Europe) Plc which is authorised and regulated by the Financial Services Authority.