Pensions & Investments

Helping you plan and protect your financial future

Helping you plan and protect your financial future

Our professional and experienced independent pensions & investments team, who service clients in Norwich and Norfolk, are able to provide expert pensions & investment advice on a personal or commercial basis.

Broadland Consultants Pension & Investment Advice Services

Our Investment Advisers are here to help you to be prepared for life’s bigger expenses, key life events for you or your family, or to provide an income or capital growth or both if required.

And the idea of a secure and comfortable life once we decide to give up work appeals to all of us. Our expert investment and pension advisers are here to help guide you on that journey.

After fully reviewing your circumstances, our independent pension and investment advisers will research the whole market for you, to establish and arrange the best solution for you.

Broadland Consultants Pension & Investment Advice Services

Investment Advice Services

Our investment advisers are here to support you with expert investment advice, be that for a lump sum investment, regular contributions, or a review of your existing investment portfolio.

After fully reviewing your circumstances, our independent investment advisers will research the whole market for you.

They will then report back to you on the best solution(s) specific to your individual circumstances.

We then implement your tailor made investment solution for you, and agree with you a frequency of service meetings to report back on performance and to make adjustments as necessary.

If you are based in Norwich or Norfolk, our independent investment advisors can typically offer a face to face service too.

Our Independent Financial Advisors can provide guidance on investments such as:

What is Investing? At its heart, it is the trading of your money today, for the opportunity to make more money in the future, that fits your personal and financial objectives.

With thousands of investment choices and solutions on the market, it is easy to get confused as to which is the right one for your circumstances. Our expert investment advisers are here to research and arrange the very best solution for you. We provide help and guidance to you throughout every step of the set up process of the investment for you.

Sometimes people go to great lengths to set up an investment plan either with the help of an advisor or on their own. The problem can be many of these plans are put on autopilot with little to no regular reviews to make the necessary adjustments to assist with your investments being on track to achieve your objectives. An investment portfolio needs to be managed and reviewed regularly, and if you take care of your money, it in turn will take care of you.

Our expert investment advisers are here to help you review your investments and provide an on-going regular investment review service.

An ISA, or Individual Savings Account, is a savings account that you never pay any tax on. It does come with one restriction, which is the amount of money you can save or invest in an ISA in a single tax year – also known as your annual ISA allowance.

Our financial advisers can assist you with setting up an ISA investment and provide ongoing advice about the investments held within it.

A cash deposit is the money you pay into your bank account or savings account. The bank then has a liability to keep the money safely and pay you it back on the terms you have agreed for that account.

Our financial advisers can assist you with setting up cash deposits and provide ongoing advice about the funds held within it.

Investment bonds are life insurance policies where you invest a lump sum in a variety of available funds. Some investment bonds run for a fixed term, others have no set investment term. When you cash investment bonds in, how much you get back depends on how well the investment has done.

Our investment advisers can assist you with setting up an Investment Bond investment and provide ongoing advice about the investments held within it.

A unit trust is a portfolio of stocks, bonds, property, cash or other asset classes, chosen by professional fund managers according to themes and styles of investing. The manager buys these securities on behalf of the fund, which is then split into equal units which are sold to investors.

Our financial advisers can assist you with setting up a Unit Trust investment and provide ongoing advice about the investments held within it.

An open-ended investment company (OEIC) is a type of investment fund domiciled in the United Kingdom that is structured to invest in stocks and other securities. OEICs are called “open-ended” because they can create new shares to meet investor demand.

Our financial advisers can assist you with setting up an OEIC investment and provide ongoing advice about the investments held within it.

An Investment Trust is a company that raises money by selling shares to investors and then pools that money to buy and sell a wide range of shares and assets. Different investment trusts will have different aims and different mixes of investments.

Our financial advisers can assist you with setting up an Investment Trust investment and provide ongoing advice about the investments held within it.

ETFs are funds traded on a stock exchange. Most ETFs track the performance of a stock or bond index (such as the FTSE 100 or S&P 500).

Our financial advisers can assist you with setting up an ETF investment and provide ongoing advice about the investments held within it.

Structured Deposits

Structured deposits are savings accounts, offered from time to time by some banks, building societies and National Savings & Investments, where the rate of interest you get depends on how the stock market index or other measure performs. If the stock market index falls, you will usually get no interest at all.

Structured Investments

Structured investments are commonly offered by insurance companies and banks. Your money typically buys two underlying investments, one to protect your capital and another to provide the bonus. The return you get depends on how the stock market index or other measure performs. In addition, if it performs badly or the firms providing the underlying investments fail, you might lose some or all of your original investment.

Our independent financial advisers can assist you with setting up a Structured Products investment and provide ongoing advice about the investments held within it.

Ethical investment means investing in line with your principles, supporting companies that benefit the community and avoiding those whose products and services or business practices you find morally objectionable.

Our independent financial advisers can assist you with setting up an Ethical Investment and provide ongoing advice about the investments held within it.

The Enterprise Investment Scheme is a series of UK tax reliefs launched in 1994 in succession to the Business Expansion Scheme. It is designed to encourage investments in small unquoted companies carrying on a qualifying trade in the United Kingdom.

Our independent financial advisers can assist you with setting up an Enterprise Investment Scheme Investment and provide ongoing advice about the investments held within it.

A venture capital trust or VCT is a tax efficient UK closed-end collective investment scheme designed to provide venture capital for small expanding companies, and income and/or capital gains for investors.

Our independent financial advisers can assist you with setting up a Venture Capital Trust Investment and provide ongoing advice about the investments held within it.

The fund value may fluctuate and can go down, which would have an impact on the level of pension benefits available. Past performance is not a reliable indicator of future performance.

The value of investments can go down as well as up, and past investment performance is not necessarily a guide to future performance.

Broadland Consultants Pension & Investment Advice Services

Pension Advice Services

The idea of a secure and comfortable life once we decide to give up work appeals to all of us. Our expert investment and pension advisers are here to help guide you on that journey.

Maybe you’re looking forward to spending more time with your family or friends. You might want to travel, perhaps, or take up new interests.

Our experienced independent pension advisers are able to help you plan for the future today, and regularly review your pension provisions to ensure they are performing as efficiently as possible.

After fully reviewing your circumstances, our independent pension advisers will research the whole market for you. They will then report back to you on the best solution(s) specific to your individual circumstances. We then implement your tailor made pension solution for you, and agree with you a frequency of service meetings to report back on performance and to make adjustments as necessary.

If you are based in Norwich or Norfolk, our independent pension advisors can typically offer a face to face service.

We can provide advice on the following:

A personal pension is a long-term savings vehicle that you use to put money away for retirement. Once you’ve stopped working, you can use your pension to fund your lifestyle in your later years.

You can opt to draw money from your pension pot or exchange it for a regular income for life, known as an annuity.

A personal pension is a type of defined contribution pension scheme. This means that the income you receive in retirement is defined by the contributions you make throughout your working life and the performance of your investments, less any fees and charges.

Our expert pension advisers can assist you with the numerous choices available to you and assist with the whole process of setting up a new pension.

Many people think that just having a pension means they will be financially prepared for retirement, but they don’t always understand that it’s necessary to review these plans on a regular basis to make sure your plans are on track. By regularly reviewing your pensions with a professional adviser, will assist you with your retirement planning, so that your retirement meets your expectations.

Our pension advisers are here to help whether you want a one off review or ongoing regular support.

Pension consolidation simply means bringing multiple pension pots together into a single pot. This can bring wide ranging benefits at all stages: While saving for your pension – it can cut costs, simplify monitoring against retirement goals, and help with asset allocation.

It can be complex process to consolidate your pensions and review all the options, our expert independent pension advisers are here to assist.

Building your individual retirement cash flow planner involves assessing your current and forecasted wealth, along with your income and expenditure, using assumed rates of investment growth, inflation and interest rates, to build a picture of your finances now and in the future.

By working in partnership with our expert pension adviser you can gain a better understanding current and future financial position.

Tax-free cash is a sum of money paid to individuals from their pension scheme when they come to take their benefits. This cash sum is not assessable for income tax, hence the name “tax-free cash”. Most pension schemes offer the option to take some of the benefits as a tax-free cash sum once you reach your chosen retirement age.

When opting to take your tax free cash, it’s important that you receive guidance as to what to do with the balance of the pension funds, and our expert pension advisers are here to assist.

Most self-employed people use a personal pension for their pension savings. With a personal pension you choose where you want your contributions to be invested from a range of funds offered by the chosen provider. The provider will claim tax relief at the basic rate of tax on your behalf and add it to your pension savings. It’s also possible that your business could contribute to your pension and claim tax relief.

Our independent pension advisers are experts in assisting the self-employed with their retirement planning.

Personal pensions are pensions that you arrange yourself and not via your employer. They’re sometimes known as defined contribution or ‘money purchase’ pensions. You’ll usually get a pension that’s based on how much was paid in and the performance of your investments.

Our independent financial advisers are here to assist you setup your pension, and if requested, provide ongoing regular support with you investment choices and management.

A Group Personal Pension scheme is a collection of personal pension plans provided by employers for their employees. Each member will get their own plan, which both the employer and employee usually contribute to.

Our financial advisers are here to assist you setup your pension, and if requested, provide ongoing regular support with you investment choices and management.

Stakeholder pensions are pretty similar to standard personal pensions, though there are a few key differences:

A stakeholder pension may have lower annual charges. These are limited to 1.5 per cent of pot size for the first 10 years, and 1 per cent after that.

A stakeholder pension may allow a lower minimum contribution – as little as £20 a month.

A stakeholder pension might invest in a narrower range of funds. This might result in lower growth (but not necessarily).

Our financial advisers are here to assist you setup your pension, and if requested, provide ongoing regular support with you investment choices and management.

A SIPP is a type of personal pension that allows you more freedom and control over how your pension pot is invested. As opposed to a standard stakeholder or personal pension, a SIPP offers a greater number of funds, as well as the opportunity to invest directly in a number of different assets.

Our expert pension advisers are here to assist you setup your pension, and if requested, provide ongoing regular support with you investment choices and management.

Small self-administered pension schemes (SSAS) are generally set up to provide retirement benefits for a small number of a company’s directors and/or senior or key staff. They can be open to all employees and their family members, even if they don’t work for the employer.

Our expert pension advisers are here to assist you setup your pension, and if requested, provide ongoing regular support with you investment choices and management.

The great thing about investing in property with a pension is the two forms of income – Capital Value and Rental Income are tax-free

There are two types of pension scheme that allow you to buy property. A Self Invested Personal Pension (SIPP) or a Small Self-Administered Scheme (SSAS) can purchase commercial property as well as commercial and agricultural land. Once purchased, the property or land can be let to your company or a third party. This gives rise to tax-free rental income and capital growth, with rental income paid into the pension scheme bank account.

Our expert financial advisers are here to assist you setup your pension, and if requested, provide ongoing regular support with you investment choices and management.

Nest is the government workplace pension scheme used by many employers. Lots of businesses opt for Nest to help their employees build a pension fund, instead of setting up their own pension schemes. It works like any other workplace pension scheme, with contributions both from you and from your employer, and tax relief on all the contributions you make.

If you require assistance setting up a workplace pension scheme, get in touch as our pension advisers are here to help.

A multi-employer pension scheme is an ‘umbrella’ workplace pension scheme that can be accessed by different, unconnected, employers and their employees. There are a number of large multi-employer schemes for employers and workers, including NEST, which is the workplace pension master trust set up by government.

If you require assistance setting up a workplace pension scheme, get in touch as our pension advisers are here to help.

The fund value may fluctuate and can go down, which would have an impact on the level of pension benefits available. Past performance is not a reliable indicator of future performance.

The value of investments can go down as well as up, and past investment performance is not necessarily a guide to future performance.

Why choose Broadland Consultants?

  • Unbiased And Unrestricted Whole Of Market Independent Pension and Investment Advice. Covering the Norwich and Norfolk area.
  • One Easy Meeting Saving You Time. Our Independent Pension and Investment advisers complete all the paperwork for you, and manage the solution(s) all the way through to a successful completion.
  • A Meeting At A Time And Location Convenient For You. Phone / Video conference meetings available or meet at Broadland Consultant’s offices. Home/workplace meetings also available in the Norwich and Norfolk area. We also offer evening appointments on request to discuss Independent Pensions & Investment advice requirements.
  • An Opportunity To Save You Money. Why just speak to one provider which only has their in-house products? Our Independent Pensions and Investment advisers review the whole of the market for the best solution for your circumstances.

We Are Here To Help You

Meet The Pensions & Investments Team

Martin Gilvey

 

Director

Graham Sharpe

(Dip FA CeMap MLIBF )

Director, Associate Consultant

Luke Jeal

(Dip FA CeMap MLIBF )

Associate Consultant

Richard Dicks

(Dip PFS )

Associate Consultant

Adrian Nunn

 

Associate Consultant

Jason Tuttle

(FPFS )

Chartered Financial Planner

Jonny Balchin

(BAhons Dip PFS CeMap ER1 )

Associate Consultant

Three Steps To Success

We will help you every step of the way

Our expert pension and investment advisers are here to help you through the whole process of researching and arranging the very best financial solution for your specific circumstances

01

Free No Obligation Initial Consultation

Contact Us to arrange a free, no obligation initial consultation.

02

Meet With Our Advisor

We can meet you at your home or office or at one of our office locations. Alternatively via video conference or telephone

03

Let Us Handle The Paperwork

Once we find the right deal, we will collect all relevant paperwork and process all the required admin on your behalf.

What People Say About Us

Client Testimonials

  • I am writing to say how much we appreciate the work Luke Jeal puts in on our behalf with our retirement fund. Luke is very professional and comes across as a friendly and very likeable person who genuinely cares about getting the best he can for us. We have a great deal of faith in him and as such would like him to be acknowledged for all his efforts.
    Independent Financial Advice, Investment Advice, Pension Advice, Pension Adviser, Pension Advisor, Investment Adviser, Investment Advisor — Norwich,Norfolk
  • I’ve just spent a little while looking through your figures this morning and I am more than pleased, I’m really delighted. Growth despite all the Brexit stuff they’re throwing at us and the economy generally, you’ve done brilliantly. Very well done.
    Independent Financial Advice, Investment Advice — Norwich, Norfolk
  • Thank you very much for organising and managing this process for me, you’ve achieved exactly my initial thoughts and requirements and added value through your professional and personable approach to providing me with information advice and guidance. Top stuff!
    Pensions, Independent Financial Advice — Norwich, Norfolk
  • We would like to say that we were impressed with the way Luke handled things for us and with the ‘no rush’ attitude you portrayed. We feel happy and confident in Luke's ability to continue looking after our investments and look forward to our annual review, Once again our appreciation.
    Independent Wealth Management and Investment Advice, Pensions — Norwich, Norfolk
  • It’s been a pleasure doing business with you, you’re quick, responsive and get things done when you say! Excellent service! I’ll certainly recommend Broadland and yourself to fellow investors. Take care and I hope to catch up again with the next purchase.
    Independent Mortgage Advice, Buy to Let Mortgage Advice — Norwich, Norfolk
  • My experience with Russell Carter, was outstanding. He successfully secured two mortgages at short notice and ensured all my needs were met. Russell offers a professional, yet personable service and this is something money can’t buy. Russell is an asset to Broadland Consultants Ltd and I will most definitely refer Russell to friends and family
    Equity Release, Life Time Mortgage Advice — Norwich, Norfolk
  • Firstly, I would like to thank you for your expertise, patience, kindness and professionalism, I am extremely grateful.
    Independent Wealth Management and Investment Advice, Pensions, Independent Financial Advice, Independent Financial Adviser, Independent Financial Advisor, Pension Advice, Pension Adviser, Pension Advisor, Investment Adviser, Investment Advisor — Norwich, Norfolk
  • I received, what I consider to be the Rolls Royce of service. The advisor was friendly, polite, courteous and at every stage of the advice kept in close telephone contact, always ringing when he promised to. He provided me with a wide variety of options explaining and guiding me every step of the way, whilst leaving me to make my decision with confidence. My concerns were listened to and I was given a quality, individual service putting all my financial affairs in order.
    Equity Release, Life Time Mortgage Advice — Aylsham, Norfolk
  • We look forward to seeing you again soon. In the meantime, we would like to thank you for all your patience, your own considerable hard work and that of your colleagues at Broadland Consultants, in bringing about a satisfactory conclusion to yet another episode in our family history! I am sure our parents would be very pleased with this positive outcome
    Independent Wealth Management and Investment Advice, Investment Advice — Norwich, Norfolk
  • Hello Simon, I just wanted to pass on my thanks for the amazing service Broadland consultants gives. Last year I decided to use Broadland Consultants to look at my pension provision.  I had a number of schemes that although were performing they all had a high commission charge.  They were all amalgamated into one scheme, a low risk safe choice as I am now well into my 50’s.  I have just had my first years statement and was very happy to see a growth of almost £35,000.  I now feel much happier and relaxed about being ready for retirement. I am in the process of moving and am using Broadland Consultants to help with the mortgage.  They came to my house for a 7.30am arranged appointment, allowing us not to have take time out of work.  By midday a mortgage had been approved in principle and three days later a survey on the new property had been carried out and the mortgage approved.  It has to have been the smoothest easiest experience of getting a mortgage I’ve experience in 30 years. I would thoroughly recommend Broadland Consultants, no hard sell and they listen to what you want to get out of your situation. Many thanks Brian
    Independent Wealth Management and Investment Advice, Pensions, Independent Mortgage Advice, Independent Financial Advice, Investment Advice, Independent Financial Adviser, Independent Financial Advisor, Pension Advice, Pension Adviser, Pension Advisor, Investment Adviser, Investment Advisor, Mortgage Adviser, Mortgage Advisor — Norwich, Norfolk
  • Thank you Luke for discussing our finances today for our yearly update. We would like to very much pass on our appreciation of the way you are working on our behalf and the professionalism you convey.  We feel that you are doing your upmost to look after our investments and that came across clearly in our meeting today. Once again a big thank you and wish you and your family a very Happy Christmas and a healthy New Year.
    Independent Wealth Management and Investment Advice, Pensions, Independent Financial Advice, Investment Advice, Independent Financial Adviser, Independent Financial Advisor, Pension Advice, Pension Adviser, Pension Advisor, Investment Adviser, Investment Advisor — Norwich, Norfolk
  • Graham & Jill, just to say many thanks for all your help and advice in the past year and to wish you all the best for 2019
    Independent Wealth Management and Investment Advice, Independent Financial Advice, Investment Advice — Norwich, Norfolk

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