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  Phone  01603 452686



Retirement Options




Later Life Issues

Contact NFA

    Welcome to Norwich Pensions from NFA


      Independent Pension Advice and Retirement Planning



It is the aim of Norwich Financial Advice (NFA) to provide a first class Pension Advice and Retirement Planning service to personal clients in the Norwich and Norfolk areas of East Anglia. Whilst all our clients are different, and have individual goals and dreams they all harvest the benefits that only true independent financial advice can provide.


Retirement planning generally fall into three distinct phases coinciding with specific stages of life. The first phase is the accumulation phase which ideally should start as early as possible. In reality, most people do not seriously think about their retirement needs before their 40s or early 50s although they may have contributed towards various pension arrangements. The second phase is the consolidation phase where adjustments often need to be made to ensure that everything is on track.


The final phase is the decumulation phase which hopefully should last for many happy years without too many financial concerns.


Unless proper advice is obtained during each of these 3 phases, things can so easily go wrong or something can be missed out.


So, to achieve your financial objectives and maintain long term security, do yourself, and your loves ones, a favour and take the time to check that your pension plans and/or investments etc, really are doing what you thought (or hoped) they were doing - before it is too late!


This website contains an overview of some of the most common areas of interest to new and future retirees as well as more specific information on a range of selected topics. Hopefully, you will find information which is both useful to you and informative. You are of course always welcome to contact Norwich Financial Advice for a more specific, and FREE, initial discussion of any issues relating to your current or future retirement situation. 

 Call: 01603 452686



The value of investment-based pensions and the income they produce can fall as well as rise.

You may get back less than you invested.


Topical Issues


I don't want to retire right

now - maybe next year, or

the year after...  But, can I afford to cut down on my

work hours already?

     find out more 

Is it a good idea to buy an

Annuity now or is it better

to wait?

Should it be a single or a

joint annuity?

    find out more 


What is the right way to

arrange Investments?

How much risk can I

afford to take?

How much income can

I get?

     find out more 

    Specialist Advice Areas

     Regulatory and Legal changes



Long Term Care is an issue that most of us would rather not think about. But should you, or your loved ones, need it later it can be VERY expensive if you have not prepared.




Although you may be entitled to a full or partial State Pension it is important that you also get to know what other benefits and support you may be entitled to in your later years. 

         Read More...►


Not very many people are aware of what Powers of Attorney really are or How they Work? You need to know that they In many cases can be of critical importance in a difficult situation. Read More...►




New rules allow increased flexibility for pension drawdown arrangements. But there are important aspects which need consideration.


   Read More...►




Is Income Drawdown a ticking time bomb?

Rule changes and low Gilt yields can have a large impact on drawdown Portfolios.


   Read More...►


You are always Welcome

to contact NFA for a free discussion

of your Pension arrangements


Phone: 01603 452686










Norwich Financial Advice Limited  is authorised and regulated by the Financial Conduct Authority

and is entered on the FCA Register under FCA reference: 706645

Norwich Financial Advice Ltd. is registered in England and Wales; Company No. 8533929.  

Registered office: 74 Muriel Road, Norwich NR2 3NZ, Norfolk, England.

Decisions should not be taken based solely on the content of this website and individual advice should be sought first.

Regulations, levels and bases of taxation are subject to change.

No responsibility can be taken for any content available via external links from this websites.

The information on this website is aimed at UK residents or residents of MiFID countries