Business Details
Your Trusted Financial Advisers in Norwich
At Carlton Independent Financial Advisers, we are committed to delivering expert financial advice tailored to individual needs. With a focus on building long-term relationships, we guide clients through complex financial decisions while maintaining transparency and approachability. Our team combines local knowledge with advanced technology to serve clients within a 15-mile radius of Norwich and beyond. Holding the Diploma in Regulated Financial Planning, we specialise in pensions, investments, and inheritance tax planning.Our free initial consultation allows clients to assess our credentials before committing. We prioritise ongoing support, ensuring clients remain on track to achieve their financial goals through regular reviews and personalised strategies.
Services
Financial Reviews
Investments
Pension Planning
Pension Options
Long Term Care
Inheritance Tax
Highlights and features
- We offer FCA-regulated financial advice with transparent communication
- Our team holds advanced qualifications including the Diploma in Regulated Financial Planning
- We provide free initial half-hour consultations for prospective clients
- Our local expertise covers Norwich and surrounding areas within a 15-mile radius
- We combine advanced technology with personalised investment management strategies
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 assess existing investments and pensions for performance and value, then create tailored action plans to help achieve your financial goals. This service includes an initial free half-hour consultation to discuss your current position and future aspirations.
Investment Planning
We help clients navigate investment options from low-risk savings to growth-oriented portfolios. Our approach combines technology with expert analysis to manage risk and maximise returns. We also review existing investments to identify underperformance or high charges, providing clear explanations of different risk levels and investment strategies tailored to individual circumstances.
Pension Planning
Our pension planning service organises fragmented pension pots into cohesive strategies. We explain different investment approaches based on your timescale to retirement, whether decades away or imminent. We provide comparisons of pension providers and help clients understand options like inflation-linked or spousal benefits, ensuring informed decisions about their retirement income.
Inheritance Tax Planning
We assess your current financial situation to develop strategies that reduce or eliminate inheritance tax liabilities. Our advice focuses on ensuring more of your estate passes to chosen beneficiaries rather than HM Revenue and Customs. We provide tailored solutions that align with your overall financial plan while maintaining flexibility for future changes.
Long Term Care Planning
This service helps protect assets built up over a lifetime while planning for potential care needs. We review options for both personal and family member scenarios, creating strategies that balance asset preservation with appropriate care provision. Our advice considers different care settings and funding options to match individual circumstances.
People
James Hardingham
Financial Adviser
James Hardingham DipPFS specialises in long-term financial planning, holding advanced qualifications including the Diploma in Regulated Financial Planning. He focuses on building client relationships through clear communication and transparency, advising multiple generations of some families. His expertise covers pensions, investments, and long-term care planning.
Sarah Field
Office Manager
Sarah Field manages client appointments and documentation while maintaining office operations. With experience in financial services, she ensures smooth administrative support that enables advisers to focus on client needs. Her role includes direct client contact and coordinating with product providers to maintain efficient service delivery.
Questions
What financial services do you specialise in?
We specialise in pensions, investments, inheritance tax planning, long-term care planning, and comprehensive financial reviews tailored to individual circumstances.
Are you regulated by any official body?
Yes, we are authorised and regulated by the Financial Conduct Authority (FCA) under reference number 227534.
Do you offer a free initial consultation?
Yes, we provide a free half-hour consultation to help prospective clients assess our credentials and discuss their financial needs.
How do you approach investment planning?
We combine technology with expert analysis to create personalised investment strategies, explaining different risk levels and options to match individual goals and circumstances.
What areas do you cover?
We primarily serve clients within a 15-mile radius of Norwich, but can also work with clients further afield using video conferencing technology.
How do you handle client complaints?
We have a formal complaints procedure available on request. If unresolved, clients may refer complaints to the Financial Ombudsman Service.
