Business Details
Trusted Financial Advisers in Norwich
Carlton Financial Planning has been dedicated to providing tailored financial advice since its establishment. Our team of qualified professionals specialises in comprehensive financial reviews, pension planning, investment management, and inheritance tax strategies, serving both local and remote clients through modern communication tools. With over two decades of combined experience, including industry-recognised qualifications like the Diploma in Regulated Financial Planning, we prioritise long-term client relationships built on transparency and trust. Our approach combines rigorous investment research with cutting-edge technology to deliver customised wealth management solutions. As an FCA-authorised firm, we adhere to strict regulatory standards while maintaining a client-centric ethos that values clear communication and ongoing support.Our local expertise extends to understanding regional financial needs, though our services now reach clients nationwide through virtual consultations. We offer a free initial half-hour consultation to assess compatibility with prospective clients, ensuring alignment with their financial goals before any commitment. Regular portfolio reviews and proactive adjustments to evolving market conditions form the cornerstone of our service philosophy. Client testimonials highlight our ability to demystify complex financial products and provide actionable guidance tailored to individual circumstances. This commitment to excellence has resulted in multi-generational client relationships, with some families relying on our expertise for three decades.
Services
Financial Reviews
Investment Management
Pension Planning
Inheritance Tax Planning
Long Term Care Fees Planning
Highlights and features
- We offer free initial consultations to assess financial needs without obligation
- Our FCA-authorised advisors hold advanced qualifications including Diploma in Regulated Financial Planning
- Specialised expertise in pension options and inheritance tax mitigation strategies
- Combination of local market knowledge with nationwide service capability
- Proven track record of multi-generational client relationships spanning 20+ years
Associations and certifications
- Financial Conduct Authority
Services
Financial Reviews
Our comprehensive financial reviews examine all aspects of your financial situation to identify gaps and optimise your strategy. We analyse existing investments, pensions, and insurance policies to ensure they align with your current circumstances and future goals. By consolidating your financial information, we provide actionable recommendations to improve efficiency and performance while maintaining appropriate risk levels.
Investment Management
We help clients navigate investment options ranging from low-risk savings to growth-oriented equity portfolios. Our approach combines modern technology with rigorous research to create diversified investment strategies tailored to individual risk profiles. Regular portfolio reviews ensure ongoing alignment with market conditions and personal objectives while identifying underperforming assets requiring restructuring.
Pension Planning
Our pension planning service consolidates fragmented pension pots into cohesive retirement strategies. We assess different timescales and investment horizons to develop appropriate pension structures, whether retirement is imminent or decades away. This includes evaluating workplace pensions, personal schemes, and self-invested options to maximise retirement income potential.
Inheritance Tax Planning
We specialise in minimising inheritance tax liabilities through strategic financial arrangements that prioritise intended beneficiaries. Our planning considers lifetime gifts, trust structures, and pension-based solutions to preserve wealth across generations. Early intervention allows implementation of tax-efficient strategies that maintain asset control while reducing HMRC's potential claim.
Long Term Care Planning
This specialist service protects accumulated assets against long-term care costs through proactive financial strategies. We assess care funding options including insurance solutions and asset protection techniques that balance care requirements with estate preservation goals. Our approach considers both immediate needs and future contingencies while maintaining financial security.
People
James Hardingham
Financial Adviser
Diploma-qualified financial planner with expertise in pensions and long-term care insurance. Specialises in building generational client relationships through transparent communication and tailored investment strategies. Holds advanced qualifications in regulated financial planning.
Sarah Field
Office Manager
Manages client administration and coordinates appointments while maintaining regulatory documentation. Provides initial client support and facilitates smooth office operations to ensure advisors can focus on client needs. Joined the firm in 2024.
Questions
What financial planning services do you offer?
We provide comprehensive financial reviews, pension planning, investment management, inheritance tax mitigation, and long-term care fee planning services tailored to individual circumstances.
Are you regulated by financial authorities?
Yes, we are authorised and regulated by the Financial Conduct Authority under reference number 227534.
Can I get a free initial consultation?
Yes, we offer a free half-hour consultation to help prospective clients assess our suitability for their financial planning needs.
How do you charge for your services?
Our fee structure varies by service type. Please contact us directly for detailed pricing information specific to your financial planning requirements.
Do you work with non-local clients?
While we have a local focus, we use secure video conferencing to serve clients throughout the UK beyond our Norwich base.
What qualifications do your advisors hold?
Our advisors hold industry-recognised qualifications including the Diploma in Regulated Financial Planning and Certificate in Long Term Care Insurance.
