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* 0333 577 6654
* info@ybfinancial.co.uk
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* About Us
* Mortgage Broker Norwich
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* Re mortgage Advice
* Remortgaging for Home Improvements
* How soon can you remortgage before fixed-rate ends?
* Debt Consolidation Remortgage
* Help to Buy Remortgage
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* What Income do Mortgage Companies look at Self-employed
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* Mortgage for Company Director on PAYE
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* Joint Mortgage – One Self-Employed Applicant
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* Can I get a mortgage with an LLP?
* Can I get a mortgage if I am freelance?
* Contractor Mortgage
* Contractor Mortgages Made Easy
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* Holiday Let Mortgages
* Commercial Finance
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* Asset Finance
* Home Finding
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* Conveyancing
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* Mortgage Protection
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* Combining Pensions
Menu
* About Us
* Mortgage Broker Norwich
* Meet The YellowBrick Family
* Join Us
* Refer a Friend
* Refer to Us
* Our Charities
* Helping Our Planet – Planting Trees
* Our Awards
* NCFC
* As Featured In
* Mortgages
* First Time Buyer
* Home Mover
* Buy to Let Mortgages
* Buy to Let First Time Landlords
* Buy to Let Self-Employed Mortgage
* Buy to Let Portfolio Mortgages
* Buy to Let Remortgage
* Top Slicing Mortgage
* Re mortgage Advice
* Remortgaging for Home Improvements
* How soon can you remortgage before fixed-rate ends?
* Debt Consolidation Remortgage
* Help to Buy Remortgage
* Remortgage to pay off Help to Buy Loan
* Product Transfer Mortgage
* 5% Deposit Mortgage Guarantee Scheme
* How much deposit do you need for a mortgage?
* Mortgage Types/Jargon Busting
* Right to Buy Scheme
* Mortgage Calculator
* 50% Deposit Mortgage
* Agreement in Principle
* Specialist Mortgages
* Professional Mortgages
* NHS Mortgages
* Doctor Mortgages
* Police Mortgages
* Teacher Mortgages
* Self-Employed Mortgage
* Documents needed for Self-Employed Mortgage
* What Income do Mortgage Companies look at Self-employed
* Self-Employed Mortgage with One Year’s Accounts
* Limited Company Directors
* Mortgage for Company Director on PAYE
* Joint Mortgage Self-Employed
* Joint Mortgage – One Self-Employed Applicant
* Buy to Let Self-Employed Mortgage
* Can I get a mortgage with an LLP?
* Can I get a mortgage if I am freelance?
* Contractor Mortgage
* Contractor Mortgages Made Easy
* IT Contractor Mortgage
* Fixed Term Employment Contract
* Mortgage on a Zero Hour Contract
* Mortgage on a Temporary Contract
* High Net Worth Mortgages
* Million Pound Mortgages
* Let to Buy Mortgages
* Holiday Let Mortgages
* Commercial Finance
* Equity Release
* Older Borrower Mortgages
* JBSP Mortgages
* HMO Mortgages
* New Build Mortgages
* Self Build Mortgage
* Chinese Mortgage
* Other Services
* Asset Finance
* Home Finding
* Selling Your Home
* Conveyancing
* Surveys
* Lettings
* Removals and Storage
* Will Writing
* Wills Myth Busting
* Foreign Currency Transfers
* Protection
* Mortgage Protection
* Financial Planning
* Self-Employed Pensions
* Combining Pensions
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* Whole of Market Advice
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Home » Financial Planning
AS FEATURED IN . . .
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ABOUT US
Yellow Brick Financial Planning are whole of market Independent Financial
Advisers. With our ethos of giving exceptional customer service and giving back
to our local community we are experts in helping our clients bring their
financial plans to life.
MEET THE FAMILY
ANDREW EDGE
DIPPFS
Director, Financial Planning Consultant
View Profile
ALL THE FINANCIAL ADVICE YOU NEED, ALL IN ONE PLACE
“It’s not how much money you make but how much money you keep, how hard it works
for you and how many generations you keep it for”
Robert Kiyosaki on why people benefit from professional financial advice.
This is what we aim to do, to help you make good decisions about your money –
providing clear information to help you achieve your financial goals.
We are part of the Yellow Brick Group, a national firm providing advice on
Mortgage, Protection, Commercial Finance, Financial Planning and many other
areas of financial advice.
Being independent is part of what makes us different. It is the reason we are
free to advise you about products from the entire financial marketplace.
We do not act on behalf of any bank or insurance company, meaning our
recommendations are solely about what is right for you.
Working as an Appointed Representative of 2plan also allows us to offer you all
the benefits of a bigger organisation, such as the latest technology, greater
financial strength, and the reassurance of a team of experts helping us to get
things right first time.
INVESTMENT PLANNING AND REGULAR SAVINGS
WHY HELPING WITH ASSET ALLOCATION IS SO IMPORTANT
By including assets with investment returns that move up and down under
different market conditions, an investor can protect against significant losses
within a portfolio. Historically, the returns from the major asset classes have
not moved up and down at the same time, so by investing in more than one asset
type, you’ll reduce the risk of losing money and your portfolio’s overall
investment returns should have a smoother ride.
WHY DOES TIME MATTER
Time Horizon – the number of years, or decades you will be investing to achieve
a particular financial goal can make a significant difference. If you think
about it, an investor with a longer time horizon may feel more comfortable
taking on a riskier, or more volatile investment because they can ride out the
inevitable ups and downs of our markets. Risk Tolerance – being prepared to lose
some or all of your original investment in exchange for greater potential
returns. An aggressive investor, is more likely to risk losing money in order to
obtain better long-term results, whereas a cautious investor, tends to favour
investments that try to preserve the original investment.
SO WHAT IS THE RIGHT APPROACH FOR ME?
The actual process of determining which mix of assets to hold in your portfolio
is a very personal one. The asset allocation that works best for you at any
given point in your life will depend largely on your time horizon and your
ability to tolerate any potential losses. We have developed cutting-edge
psychometric risk profiling software to make sure we help you make the right
decision.
RETIREMENT PLANNING
Recent data from the Office for National Statistics shows that the median value
of private pensions in the UK stands around £57,000. As most people take out the
25% tax free cash of £14,250 this would only leave enough for a guaranteed
income of around £127pm*. Whilst most people tend to spend less money in
retirement, £127pm is around 6% of the current national average earnings.
* Based upon a male and female aged 65 with benefits escalating at 3% and
provision for a 50% spouses’ pension
ADVICE AT RETIREMENT
You must remember that you are effectively selling your assets when they are
worth less. This is because when the price of each unit that you hold is lower
more need to be sold in order to reach your required level of income.
Unfortunately, most savers simply assume that if they select a modest level of
regular income, regardless as to what happens in the markets, that they’ll be
able to carry on indefinitely. In reality, taking regular withdrawals in times
of market stress can destroy the health of your pension pot and therefore,
investors must regularly adjust their retirement plan and investment strategy to
avoid the real risk of running out of money whilst retired.
ONGOING SERVICE
An international HSBC study, The Future of Retirement, in 2011 showed that those
with financial plans accumulated nearly 250% more retirement savings than those
without a financial plan in place. Furthermore, nearly 44% of those who have a
financial plan in place save more money each year for retirement.
FOCUS ON PLANS, NOT RETIREMENT
Research by David Blanchett and Paul Kaplan of Morningstar, in their article
“Alpha, Beta and now…Gamma”, has attempted to quantify into real numbers the
value that financial advisers can provide. Their research shows that advisers
help individuals generate roughly 1.82% excess return each year, creating
roughly 29% higher retirement income wealth. This means even if an adviser is
charging a 1% fee a year for the management of assets, the financial advice
still has a huge impact on generating additional wealth.
THE WAY WE WORK
As financial advisers, our success depends on building successful long-term
relationships with clients.
Honesty, integrity, good service, going the extra mile – these are the things we
believe matter to you, and these are the guiding principles that underpin our
approach to business.
As Independent Financial Advisers, we are not tied to any particular provider
and can advise you on products from across the whole market. We will always take
a rounded view of the options – considering factors such as charges, customer
service and financial resilience. This means we will offer the most suitable
solutions for your individual needs and circumstances.
OUR GUIDING PRINCIPLES:
* Best advice – providing you with products and services suitable for your
needs
* Great service – prompt, reliable, friendly; always centred around you
* Clear, open communication – so you always know where you stand
* Good information – honest and accurate, timely and relevant
* Continual improvement – enhancing and updating our service to you
* Quality control – identifying failings and putting them right
* Checking and monitoring – reviewing information, tracking progress
KEY LINKS
BEST EXECUTION POLICY
CLIENT CLASSIFICATION
CONFLICTS OF INTEREST POLICY
YOUR GUIDE TO MAKING A COMPLAINT
Existing clients, please click here to visit the Horizon portal.
USEFUL LINKS
* Contractor Mortgage
* Self Employed Mortgage with One Years Accounts
* Documents Needed for a Self-Employed Mortgage
* What Income do Mortgage Companies look at Self-employed
* Joint Mortgage – One Self-Employed Applicant
WHY YELLOW BRICK MORTGAGES
* Unrivalled customer service
* We are an independently owned brokerage offering first charge mortgages from
the whole of the market.
* Available 24/7 to ensure we are there to help when you need us.
EXCELLENT
1101 reviews on
Excellent
Based on 1101 reviews
James Daley
31 July 2024
3rd mortgage through YB - Neil and Pete are both excellent
kemi ajanlekoko
29 July 2024
Leslie was brilliant! Answered all my questions and his quick responses made the
process much easier for me.
Would definitely recommend!
Read more
Nathanael Lutton
26 July 2024
Frances at yellow brick mortgages really helped make things clear and simple for
me. She made sure to give me all the information I needed to help me make a
decision of what product to choose. Would definitely recommend.
Read more
Mike Barney
25 July 2024
Frances at Yellow Brick Mortgages was great, helped us find the right mortgage
for us, was flexible with the meeting times to work around our young family, and
made the process stress free. Thank you, would definitely recommend.
Read more
Nabilah Begum
25 July 2024
Our mortgage advisor, Travis Manning was fantastic! He helped secure us a good
rate before the rates increased for our first home. Really professional,
responsive and always on hand to help and support us. We will definitely
recommend!
Read more
The value of investments can fall as well as rise and you may not get back the
amount originally invested.
QUICK LINKS
* About Us
* Remortgage
* First Time Buyer
* Buy-to-Let
* Home Mover Mortgages
* Protection
* Equity Release
* NHS Mortgages
* Doctor Mortgages
* Self-Employed Mortgages
* Contractor Mortgages
* Commercial Finance
CONTACT US
* 0333 577 6654
* info@ybfinancial.co.uk
* 201 Plumstead Road, Norwich, NR1 4AB
* Yellow Brick Mortgages PO Box 283 Norwich NR18 8EU
* Yellow Brick Mortgages, Suite 2038, Letraset Building, Wotton Road, Ashford,
TN23 6LN
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THG (MORE:TREES)
Planted trees: 11,584
Yellow Brick Financial Planning Ltd is an appointed representative of 2plan
wealth management Ltd. It is authorised and regulated by the Financial Conduct
Authority and is entered on the FCA register(www.fca.org.uk ) under reference
977354. Registered office: 201 Plumstead Road, Norwich, NR1 4AB. Registered in
England and Wales Number: 13903028.
This site is for UK consumers only.
* Yellow Brick Financial Planning Privacy Policy