Financial Planning


Our specialist Financial Planning team can advise and guide you through retirement planning and effective pensions and investment strategies.


Financial Planning

Teresa Baker, Financial Planning

Lovewell Blake Financial Planning Limited offers independent financial planning advice to both individuals and business owners in Norfolk, Suffolk and Cambridgeshire.

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What is a financial plan and what does it look like?

A financial plan is the landscape of your current finances, your financial goals, and any strategies you've set to achieve those goals. Good financial planning should include details about your cash flow, savings, liabilities, investments, life cover, and any other elements of your finances. It is also highly personal. It considers your personal situation (if you’re married, single, have children or other dependants), risk tolerance, commitments, and any other aspects of your life that can influence your finances. It is meant to create a unique path that, if you stick to it, will lead you to your ultimate financial goal.

I am not sure what my objectives are – can you help me?

Yes. Some of our clients initially find it difficult to articulate what they want to achieve. We can help you ascertain what your objectives are. Our team of financial planning specialists have experience with a wide range of clients whose objectives vary widely. Each adviser has a unique skill set, we take the time to get to know your situation so that we can tailor a service that is suited to your needs. From pension planning, to ethical investing and everything in-between, Lovewell Blake are dedicated to helping you chosoe the right objectives that fit your lifestyle and future aspirations.

Do Lovewell Blake Financial Planning Limited hold my money?

No, we do not hold custody of any client assets. Typically, an investor would complete an application and if the investment is in the form of a cheque, this would be made payable to the investment company, alternatively clients may invest via BACS transfer.

Do Lovewell Blake Financial Planning Limited have an investment committee?

Our investment committee meets regularly to review the current investment landscape to determine if any changes need to be made to our Centralised Investment Proposition.

Can I access my portfolio online?

Yes, our new Lovewell Blake Financial Planning Client Portal, offers a secure online communication tool that enables you an overview of your finances along with a document store, so no more paper! You can also communicate with your financial adviser, view, and sign documents.

Also, developments in technology means that our clients can interact with us using various different methods, although we prefer face to face meetings, we can also offer meetings via Microsoft Teams and interact by telephone, and email.

How are my assets covered under the Financial Services Compensation Scheme?

The Financial Services Compensation Scheme (FSCS) is the UK’s compensation fund of last resort for customers of authorised financial services firms. They may pay compensation if a firm is unable, or likely to be unable, to pay claims against it. This is usually because it has stopped trading, or been declared in default. A wide range of financial products and services such as deposits, investments, pensions, financial advice and insurance is covered.

Different compensation limits apply.

Further information about this compensation scheme arrangement is available from the FSCS website.

Does the 4% rule work for early retirement?

The 4% rule is geared around retirement at age 65. If you wish to retire earlier, there is more of a risk that your retirement funds may not last for the whole of your retirement.

What is the standard portfolio split for a 4% pension?

Traditionally, the 4% pension rule is broken down into a 60-40 split of stock and bonds. This combination has a low volatility and a relatively steady income which is due to the fact that it combines higher-yielding stocks with a buffer of low-risk fixed investment bonds.

What happens to my 4% pension if I die?

Most pension schemes will allow a spouse or beneficiary to receive the remaining value of your entire fund (less tax in some cases) in the event of your death. The receiver of the funds can then decide whether to continue with the level of the previous 4% payment or set a new one. It is generally recommended that at this stage, you seek financial advice to determine a suitable level of income payment.

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