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Professional Financial Planning is the process which aims to help you realise your ambitions - whatever they may be. As professional financial advisers we can help you make informed decisions about your financial future, short, medium and long term.

You will almost certainly have plans of one kind or another - buying a home, starting a family, living abroad, perhaps retiring, but such ...
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When you retire you still need food and shelter as an absolute minimum, but of course you will want to maintain the lifestyle to which you have become accustomed, so unless you can guarantee a large windfall, you need to provide yourself with a secure income for the rest of your life.

A well prepared pension plan which is regularly reviewed should go some way to providing this.
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When someone talks about savings and saving money, it could be referring to a piggy bank or a high interest deposit account. Savings are effectively cash or cash instruments, such as deposit accounts, term bonds etc.

Investing is what you do with the savings you have - if you are looking to generate a greater return on your money than is available to you through your savings instruments.
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Your mortgage is probably the largest financial transaction and commitment you are likely to undertake. Surely then you should seek mortgage advice which is individually tailored to your needs and requirements?

We are not tied to any particular lender, which means that we have the ability to act on your behalf, representing your best interests, in order to establish the most appropriate mortgage solution for you.
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Wealth, just like your health, must be carefully preserved. Your assets need to be protected against the potential threats of erosion by taxation, the effects of inflation and investment risks.

Whatever your level of wealth, there is nothing wrong in deciding to prepare a risk aversion strategy. This is reasonable and prudent for anyone who is sure that they already have ample to provide for themselves and their family into the future.
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If you're over the age of 55, equity release offers you a way to use the value of your home to raise money.

There is a range of equity release schemes available on the market offered by reputable equity release providers, and they fall into two main categories, Lifetime Mortgages and Home Reversion Plans. Each type of equity release scheme facilitates a different method of releasing the equity in your home.

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Most of us face being taxed on our income, our capital gains, and in some circumstances the value of our estate when we die.

Taxation can be very complicated and the rules, reliefs and allowances often change, so it is worth obtaining a clear grasp of how these taxes work by discussing with a professional adviser the most efficient way to arrange your finances. An expert will be able to help you plan your taxes in advance ...
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The main purpose of Life Assurance is to provide money for those people who may depend on you financially, in the event that something should happen to you. These people could include family members or business partners.

A Life Assurance policy pays out a sum of money when the person who is covered by the plan dies. The money is intended to pay off any outstanding debts and support your dependants ...
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This is an area of financial planning that is often overlooked. Traditionally, we have our buildings and contents insurance with our mortgage lenders, which may be uncompetitive in a very competitive marketplace. It may also be the case that a property may be underinsured, due to decoration, extension or the increase in house prices.

In addition to home insurance, we can also provide access to ...
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All businesses are exposed to risks in their day-to-day operations. Without business insurance cover to provide protection against some of these risks, businesses would find it difficult to operate efficiently and profitably. Adequate business insurance is therefore not a luxury - it is an absolute necessity.Read More
Health Insurance is probably one of the most important types of insurance you can own. Without it, an illness or accident can have serious long-term financial implications for you and your family.

Most people will be aware that Health Insurance can cover the cost of private medical treatment for any acute conditions you may suffer in the future - from something as simple as a broken bone to more serious conditions like a heart attack or cancer.
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Investment Linked

Investment Linked Insurance

With term assurance policies, lower premiums make them an affordable way of helping to protect your family in the event of your death, within the policy term, but there is no guarantee of a payout. Some life insurance policies however, can be effectively used as an investment.

Whole life or endowment policies will provide the beneficiaries with a payout after a fixed period or a death. These payments can be a fixed amount, or in some cases linked to an insurance company's investment performance in the form of with profits policies or unit linked policies.

With profits policies may generate rewards from the valuation of the assets and liabilities of the insurer's life fund, but premiums will be much higher. Unit linked policies link the value of the policy to units in a unitised fund. The units are linked to the underlying value of the fund. The value of the policy can therefore fluctuate depending on the value of the units. The pricing structure and type of fund depends on your insurance company. Many insurance companies now have unitised with-profits funds.

Stock Exchange Indices

Value	Move	%
FTSE 100
5415.5000	-64.7002	-1.18%
FTSE 250
14099.2002	-337.5996	-2.34%
FTSE 350
2996.9700	-41.51	-1.37%
FTSE All Shares
2958.3999	-40.1401	-1.34%
Dow Jones
21052.5293	-233.4004	-1.1%
Nasdaq
7158.0000	-250	-3.37%

Areas of Expertise

- Wealth Management
  
  Wealth, just like your health, must be carefully preserved. Your assets need to be protected against the potential threats of erosion by taxation, the effects of inflation and investment risks. ...
  Read more
- Business Insurance
  
  All businesses are exposed to risks in their day-to-day operations. Without business insurance cover to provide protection against some of these risks, businesses would find it difficult... ...
  Read more
- Equity Release
  
  If you're over the age of 55, equity release offers you a way to use the value of your home to raise money. There is a range of equity release schemes available on the market offered by ...
  Read more
- Financial Planning
  
  Professional Financial Planning is the process which aims to help you realise your ambitions - whatever they may be. As professional financial advisers we can help you make informed decisions ... ...
  Read more
- General Insurance
  
  This is an area of financial planning that is often overlooked. Traditionally, we have our buildings and contents insurance with our mortgage lenders, which may be uncompetitive ... ...
  Read more
- Health Insurance
  
  Health Insurance is probably one of the most important types of insurance you can own. Without it, an illness or accident can have serious long-term financial implications for you and your family. ...
  Read more
- Life Assurance
  
  The main purpose of Life Assurance is to provide money for those people who may depend on you financially, in the event that something should happen to you. ...
  Read more
- Mortgages
  
  Mortgages are loans which are intended to help buyers purchase residential and commercial property. When an individual takes out a loan, the lender charges interest: the same is true of a mortgage. ...
  Read more
- Retirement Planning
  
  When you retire you still need food and shelter as an absolute minimum, but of course you will want to maintain the lifestyle to which you have become accustomed ... ...
  Read more
- Savings & Investments
  
  When someone talks about savings and saving money, it could be referring to a piggy bank or a high interest deposit account. Savings are effectively cash or cash instruments ... ...
  Read more
- Tax Planning
  
  Most of us face being taxed on our income, our capital gains, and in some circumstances the value of our estate when we die. Taxation can be very complicated and the rules, reliefs and allowances ... ...
  Read more

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Parklands Financial Advisers
52 Pinbush Road
Lowestoft
Suffolk
NR33 7NQ
T: 01502 531 633
Email Us

The guidance provided within this website is subject to the uk regulatory regime and is therefore primarily targeted at consumers based in the UK.

Parklands Financial Advisers is Authorised and Regulated by the Financial Conduct Authority.

Parklands Financial Advisers is entered on the Financial Services Register (www.fca.org.uk/register) under reference: 0710277.

A summary of our internal complaints handling procedures for the reasonable and prompt handling of complaints is available on request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at www.financial-ombudsman.org.uk or by contacting them on 0800 023 4567.

Registered Address: Glebe House, Toad Row, Henstead, Beccles, Suffolk, NR34 7LG.

Registered in England & Wales under reference: 09625599.

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