NORWICH FINANCIAL ADVICE - Get Independent Advice from your local Independent Financial Advisor IFA

<body> <div align="center"> <table border="0" width="811" id="table1" style="border-collapse: collapse"> <tr> <td> <p align="center" style="margin-top: 2px; margin-bottom: 2px"> <font face="Arial" size="4">NORWICH FINANCIAL ADVICE</font><p align="center" style="margin-top: 2px; margin-bottom: 2px"> <font face="Arial" size="4">INDEPENDENT FINANCIAL ADVICE NORWICH</font><p align="center" style="margin-top: 2px; margin-bottom: 2px"> <font face="Arial" size="4">NORWICH - NORFOLK</font><p align="center" style="margin-top: 2px; margin-bottom: 2px"> <font face="Arial" size="4">Bjørn Drøbak (Bjorn Drobak)</font><p align="center" style="margin-top: 2px; margin-bottom: 2px"> <font face="Arial" size="4">Ph.D., Cert PFS, Cert CII(MP), MIFP</font></td> </tr> <tr> <td> <p class="MsoNormal" align="justify" style="margin-top: 2px; margin-bottom: 2px"> <span lang="EN-GB" style="font-size: 14.0pt; font-family: Verdana; color: #0099CC"> Get independent and unbiased advice:</span></p> <p class="MsoNormal" align="justify" style="margin-top: 2px; margin-bottom: 2px"> <span lang="EN-GB" style="font-family: Verdana; color: #333333"> <font size="2">Norwich Financial Advice (NFA) is exclusively the clients’ adviser. Being totally independent, all analyses, evaluations and advice is given without being influenced by any banks, building societies, insurance companies or other financial institutions.</font></span></p> <p class="MsoNormal" align="justify" style="margin-top: 2px; margin-bottom: 2px"> <span lang="EN-GB" style="font-family: Verdana; color: #333333"> <font size="2"> </font></span></p> <p class="MsoNormal" align="justify" style="margin-top: 2px; margin-bottom: 2px"> <span lang="EN-GB" style="font-family: Verdana; color: #333333"> <font size="2">A main aim is to obtain the very best results for each and every client. One key to success is the ability to thoroughly analyse an individuals’ financial situation and suggest changes and optimisations which, if implemented, can give direct and measurable financial benefits. Even smaller adjustments in an overall budget can in the longer term have significant effects. </font> </span></p> <p class="MsoNormal" align="justify" style="margin-top: 2px; margin-bottom: 2px"> <span lang="EN-GB" style="font-family: Verdana; color: #333333"> <font size="2"> </font></span></p> <p class="MsoNormal" align="justify" style="margin-top: 2px; margin-bottom: 2px"> <span lang="EN-GB" style="font-family: Verdana; color: #333333"> <font size="2">As a client of Norwich Financial Advice you will be treated with openness and honesty and get a straight answer to what your financial possibilities are today as well as what they are likely to be in the longer term. It is of course a guarantee that all information that is received is treated with utmost confidentiality.</font></span></p> <p class="MsoNormal" align="justify" style="margin-top: 2px; margin-bottom: 2px">  </p> <p class="MsoNormal" align="justify" style="margin-top: 2px; margin-bottom: 2px"> <span lang="EN-GB" style="font-size: 14.0pt; font-family: Verdana; color: #0099CC"> Get an overview of your financial situation:</span></p> <p class="MsoNormal" align="justify" style="margin-top: 2px; margin-bottom: 2px"> <span lang="EN-GB" style="font-family: Verdana"> <font size="2">In most cases clients seek the advice of an IFA when they have a specific financial problem that they need to resolve. If the IFA can do that to the client’s satisfaction that is fine – job done! </font> </span> </p> <p class="MsoNormal" align="justify" style="margin-top: 2px; margin-bottom: 2px"> <span lang="EN-GB" style="font-family: Verdana"><font size="2"> </font></span></p> <p class="MsoNormal" align="justify" style="margin-top: 2px; margin-bottom: 2px"> <span lang="EN-GB" style="font-family: Verdana"> <font size="2">However, it is far from a rarity that although people think that they are in control of their finances it is an illusion. Unless you are either very poor or extremely wealthy chances are that there are several areas of your finances which are wasting you significant amounts of money every day without you even knowing it. When times are hard, as they are for many people right now, every little counts. </font> </span></p> <p class="MsoNormal" align="justify" style="margin-top: 2px; margin-bottom: 2px"> <span lang="EN-GB" style="font-family: Verdana"><font size="2"> </font></span></p> <p class="MsoNormal" align="justify" style="margin-top: 2px; margin-bottom: 2px"> <span lang="EN-GB" style="font-family: Verdana"> <font size="2">Apart from the obvious insurances which are often overpriced, chances are that many of your other major financial commitments: mortgage, life insurance, home insurances etc. have been arranged via your bank/building society and your occupational pension (if you have one) via your employer.</font></span></p> <p class="MsoNormal" align="justify" style="margin-top: 2px; margin-bottom: 2px"> <span lang="EN-GB" style="font-family: Verdana"><font size="2"> </font></span></p> <p class="MsoNormal" align="justify" style="margin-top: 2px; margin-bottom: 2px"> <span lang="EN-GB" style="font-family: Verdana"> <font size="2">In all cases you have been “advised” by people who only have a very limited range of “products” to offer, and their livelihoods depend on their sales, not on giving you advice. So, chances are that you could get significantly better deals elsewhere, but it is a jungle out there. </font> </span></p> <p class="MsoNormal" align="justify" style="margin-top: 2px; margin-bottom: 2px"> <span lang="EN-GB" style="font-family: Verdana"><font size="2"> </font></span></p> <p class="MsoNormal" align="justify" style="margin-top: 2px; margin-bottom: 2px"> <font size="2"> <span lang="EN-GB" style="font-family: Verdana"> However, IFA firms, like Norwich Financial Advice do have strong search engines and agency contacts to a very wide range of financial providers (throughout the whole of the market) and can, in many cases, find you much better deals that will save you money and perhaps even suit your needs better.</span></font></p> <p class="MsoNormal" align="justify" style="margin-top: 2px; margin-bottom: 2px">  </p> <p class="MsoNormal" align="justify" style="margin-top: 2px; margin-bottom: 2px"> <span lang="EN-GB" style="font-size: 14.0pt; font-family: Verdana; color: #0099CC"> Get most out of life today but remember to plan ahead:</span></p> <p class="MsoNormal" align="justify" style="margin-top: 2px; margin-bottom: 2px"> <span lang="EN-GB" style="font-family: Verdana; color: #333333"> <font size="2">Norwich Financial Advice (NFA) deals with a wide range of financial issues ranging from:   </font> </span></p> <p class="MsoNormal" align="justify" style="margin-top: 2px; margin-bottom: 2px"> <span lang="EN-GB" style="font-family: Verdana; color: #333333"> <font size="2"> </font></span></p> <p class="MsoNormal" style="text-indent: -18.0pt; margin-left: 36.0pt; margin-top:2px; margin-bottom:2px" align="justify"> <font size="2"> <span lang="EN-GB" style="font-family: Symbol; color: #333333"> <img border="0" src="images/sun-01.jpg" width="13" height="13"></span></font><span style="font-style: normal; font-variant: normal; font-weight: normal; font-family: Times New Roman; color:#333333" lang="EN-GB"><font size="2">     </font> </span> <span lang="EN-GB" style="font-family: Verdana; color: #333333"> <font size="2">Savings and investment planning</font></span></p> <p class="MsoNormal" style="text-indent: -18.0pt; margin-left: 36.0pt; margin-top:2px; margin-bottom:2px" align="justify"> <span style="font-style: normal; font-variant: normal; font-weight: normal; font-family: Times New Roman; color:#333333" lang="EN-GB"> <font size="2"> <img border="0" src="images/sun-01.jpg" width="13" height="13">     </font> </span> <span lang="EN-GB" style="font-family: Verdana; color: #333333"> <font size="2">Pension reviews and personal pension advice</font></span></p> <p class="MsoNormal" style="text-indent: -18.0pt; margin-left: 36.0pt; margin-top:2px; margin-bottom:2px" align="justify"> <span style="font-style: normal; font-variant: normal; font-weight: normal; font-family: Times New Roman; color:#333333" lang="EN-GB"> <font size="2"> <img border="0" src="images/sun-01.jpg" width="13" height="13">     </font> </span> <span lang="EN-GB" style="font-family: Verdana; color: #333333"> <font size="2">Retirement planning</font></span></p> <p class="MsoNormal" style="text-indent: -18.0pt; margin-left: 36.0pt; margin-top:2px; margin-bottom:2px" align="justify"> <span style="font-style: normal; font-variant: normal; font-weight: normal; font-family: Times New Roman; color:#333333" lang="EN-GB"> <font size="2"> <img border="0" src="images/sun-01.jpg" width="13" height="13">     </font> </span> <span lang="EN-GB" style="font-family: Verdana; color: #333333"> <font size="2">House buying and Mortgage Advice</font></span></p> <p class="MsoNormal" style="text-indent: -18.0pt; margin-left: 36.0pt; margin-top:2px; margin-bottom:2px" align="justify"> <span style="font-style: normal; font-variant: normal; font-weight: normal; font-family: Times New Roman; color:#333333" lang="EN-GB"> <font size="2"> <img border="0" src="images/sun-01.jpg" width="13" height="13">     </font> </span> <span lang="EN-GB" style="font-family: Verdana; color: #333333"> <font size="2">Protection (Life insurance, health, accident, unemployment etc.)</font></span></p> <p class="MsoNormal" style="text-indent: -18.0pt; margin-left: 36.0pt; margin-top:2px; margin-bottom:2px" align="justify"> <span style="font-style: normal; font-variant: normal; font-weight: normal; font-family: Times New Roman; color:#333333" lang="EN-GB"> <font size="2"> <img border="0" src="images/sun-01.jpg" width="13" height="13">     </font> </span> <span lang="EN-GB" style="font-family: Verdana; color: #333333"> <font size="2">Tax issues (Personal Tax, CGT, IHT)</font></span></p> <p class="MsoNormal" style="text-indent: -18.0pt; margin-left: 36.0pt; margin-top:2px; margin-bottom:2px" align="justify"> <span style="font-style: normal; font-variant: normal; font-weight: normal; font-family: Times New Roman; color:#333333" lang="EN-GB"> <font size="2"> <img border="0" src="images/sun-01.jpg" width="13" height="13">     </font> </span> <span lang="EN-GB" style="font-family: Verdana; color: #333333"> <font size="2">Financial issues related to unemployment and redundancy</font></span></p> <p class="MsoNormal" style="text-indent: -18.0pt; margin-left: 36.0pt; margin-top:2px; margin-bottom:2px" align="justify"> <span lang="EN-GB" style="font-family: Verdana; color: #333333"> <font size="2">  </font></span></p> <p class="MsoNormal" align="justify" style="margin-top: 2px; margin-bottom: 2px"> <span lang="EN-GB" style="font-family: Verdana; color: #333333"> <font size="2">In highly complex cases NFA may seek specialist advice or offer you the opportunity of a consultation with a specialist.</font></span></p> <p class="MsoNormal" align="justify" style="margin-top: 2px; margin-bottom: 2px"> <span lang="EN-GB" style="font-family: Verdana; color: #333333"> <font size="2"> </font></span></p> <p class="MsoNormal" align="justify" style="margin-top: 2px; margin-bottom: 2px"> <span lang="EN-GB" style="font-family: Verdana; color: #333333"> <font size="2">You can rest 100% assured that <b>all</b> advice you receive, either directly from NFA, or from one of its recommended specialists will be given by a fully qualified and FSA-authorised IFA with a valid licence to give advice in the specific area in question.</font></span></p> <p class="MsoNormal" align="justify" style="margin-top: 2px; margin-bottom: 2px">  </p> <p class="MsoNormal" align="justify" style="margin-top: 2px; margin-bottom: 2px"> <span lang="EN-GB" style="font-size: 14.0pt; font-family: Verdana; color: #0099CC"> Get an overview - get into action – get a good future:</span></p> <p class="MsoNormal" align="justify" style="margin-top: 2px; margin-bottom: 2px"> <span lang="EN-GB" style="font-family: Verdana; color: #333333"> <font size="2">Getting your finances in balance and trying to make the right decisions in these turbulent times is not easy.</font></span></p> <p class="MsoNormal" align="justify" style="margin-top: 2px; margin-bottom: 2px">  </p> <p class="MsoNormal" align="justify" style="margin-top: 2px; margin-bottom: 2px"> <span lang="EN-GB" style="font-family: Verdana; color: #333333"> <font size="2">However, the decisions you make now can and probably will have a very big impact on how your and your family’s finances will look both in an years time but also after 5,10 or 30 years. That is why, the faster you get an overview of your finances, the possibilities that exist and act – the better your future looks.</font></span></p> <p class="MsoNormal" align="justify" style="margin-top: 2px; margin-bottom: 2px">  </p> <p class="MsoNormal" align="justify" style="margin-top: 2px; margin-bottom: 2px"> <span lang="EN-GB" style="font-size: 14.0pt; font-family: Verdana; color: #0099CC"> Get in touch:</span></p> <p class="MsoNormal" style="margin-top: 2px; margin-bottom: 2px"><font color="#000000"> <span lang="EN-GB" style="font-size: 11.0pt; font-family: Verdana"> So, if you want action why don’t you give NFA a call on:</span></font></p> <p class="MsoNormal" align="center" style="text-align: center; margin-top:2px; margin-bottom:2px"> <font color="#000000" size="3"><b> <span lang="EN-GB" style="font-family: Verdana">(01603) 452686</span></b></font></p> <table border="0" width="57%" id="table4" cellpadding="0" style="border-collapse: collapse" height="15"> <tr> <td width="171"> <p style="margin-top: 2px; margin-bottom: 2px"><font color="#000000"> <span lang="EN-GB" style="font-size: 11.0pt; font-family: Verdana"> or just send an e-mail</span><span style="font-size: 11pt; font-family: Verdana" lang="EN-GB">:</span></font></td> <td valign="bottom"> <p style="margin-top: 2px; margin-bottom: 2px"><font color="#000000"> <span style="font-size: 11pt; font-family: Verdana" lang="EN-GB">                 <SCRIPT LANGUAGE="JavaScript" type="text/javascript">  </SCRIPT></span></font></td> </tr> </table> <p class="MsoNormal" align="center" style="margin-top: 2px; margin-bottom: 2px"> <span lang="en-gb"> <font color="#000000" size="2" face="Arial">Norwich Financial Advice</font></span></p> <p class="MsoNormal" align="center" style="margin-top: 2px; margin-bottom: 2px"><span lang="en-gb"> <font color="#000000" size="2" face="Arial">74 Muriel Road</font></span></p> <p class="MsoNormal" align="center" style="margin-top: 2px; margin-bottom: 2px"><span lang="en-gb"> <font color="#000000" size="2" face="Arial">Norwich</font></span></p> <p class="MsoNormal" align="center" style="margin-top: 2px; margin-bottom: 2px"><span lang="en-gb"> <font color="#000000" size="2" face="Arial">Norfolk NR2 3NZ</font></span></p> <p class="MsoNormal" align="justify" style="margin-top: 2px; margin-bottom: 2px"> <span lang="EN-GB" style="font-family: Verdana"> <font size="2">Then we can discuss your current financial situation and requirements and, if you wish, arrange a completely free initial meeting to explore if NFA can help to get you where you want to get and hopefully tell you how to get there.</font></span></p> <p class="MsoNormal" align="justify" style="margin-top: 2px; margin-bottom: 2px">  </p> <p class="MsoNormal" align="justify" style="margin-top: 2px; margin-bottom: 2px"> <span style="font-family: Verdana; font-size: 11pt" lang="en-gb"> Areas in which operation takes place:</span></p> <table id="table3" style="BORDER-COLLAPSE: collapse" cellSpacing="3" cellPadding="2" width="100%" border="2"> <tr> <td vAlign="top" width="272"> <p class="MsoNormal" style="MARGIN-TOP: 2px; MARGIN-BOTTOM: 2px"> <span style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">Norwich Financial Advice</span></p> <p class="MsoNormal" style="MARGIN-TOP: 2px; MARGIN-BOTTOM: 2px"> <span style="FONT-SIZE: 10pt; FONT-FAMILY: Arial"> independent financial advice in Norwich.</span></p> <p class="MsoNormal" style="MARGIN-TOP: 2px; MARGIN-BOTTOM: 2px"> <span style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">IFA professional qualified </span></p> <p class="MsoNormal" style="MARGIN-TOP: 2px; MARGIN-BOTTOM: 2px"> <span style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">authorised FSA</span></p> <p class="MsoNormal" style="MARGIN-TOP: 2px; MARGIN-BOTTOM: 2px"> <span style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">finance Norwich Norfolk NR2</span></p> <p class="MsoNormal" style="MARGIN-TOP: 2px; MARGIN-BOTTOM: 2px"> <span style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">money and economy</span></p> <p class="MsoNormal" style="MARGIN-TOP: 2px; MARGIN-BOTTOM: 2px"> <span style="FONT-SIZE: 10pt; FONT-FAMILY: Arial"> investments </span></p> <p class="MsoNormal" style="MARGIN-TOP: 2px; MARGIN-BOTTOM: 2px"> <span style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">asset growth </span></p> <p class="MsoNormal" style="MARGIN-TOP: 2px; MARGIN-BOTTOM: 2px"> <span style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">income</span></p> <p class="MsoNormal" style="MARGIN-TOP: 2px; MARGIN-BOTTOM: 2px"> <span style="FONT-SIZE: 10pt; FONT-FAMILY: Arial"> accumulation of wealth Norwich</span></p> <p class="MsoNormal" style="MARGIN-TOP: 2px; MARGIN-BOTTOM: 2px"> <span style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">saving NS&I Norwich</span></p> <p class="MsoNormal" style="MARGIN-TOP: 2px; MARGIN-BOTTOM: 2px"> <span style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">savings, bonds, stocks, shares</span></p> <p class="MsoNormal" style="MARGIN-TOP: 2px; MARGIN-BOTTOM: 2px"> <span style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">cash, accounts, investment funds</span></p> <p class="MsoNormal" style="MARGIN-TOP: 2px; MARGIN-BOTTOM: 2px"> <span style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">currency transfer, pension planning, retirement</span></p> <p class="MsoNormal" style="MARGIN-TOP: 2px; MARGIN-BOTTOM: 2px"> <span style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">annuity draw down </span></p> <p class="MsoNormal" style="MARGIN-TOP: 2px; MARGIN-BOTTOM: 2px"> <span style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">tax</span></p> <p class="MsoNormal" style="MARGIN-TOP: 2px; MARGIN-BOTTOM: 2px"> <span style="FONT-SIZE: 10pt; FONT-FAMILY: Arial"> inheritance tax</span></p> <p class="MsoNormal" style="MARGIN-TOP: 2px; MARGIN-BOTTOM: 2px"> <span style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">capital gains tax CGT</span></p> <p class="MsoNormal" style="MARGIN-TOP: 2px; MARGIN-BOTTOM: 2px"> <span style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">income tax</span></p> <p class="MsoNormal" style="MARGIN-TOP: 2px; MARGIN-BOTTOM: 2px"> <span style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">personal allowance</span></p> <p class="MsoNormal" style="MARGIN-TOP: 2px; MARGIN-BOTTOM: 2px"> <span style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">tax savings</span></p> <p class="MsoNormal" style="MARGIN-TOP: 2px; MARGIN-BOTTOM: 2px"> <span style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">insurance,</span></p> <p class="MsoNormal" style="MARGIN-TOP: 2px; MARGIN-BOTTOM: 2px"> <span style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">life insurance</span></p> <p class="MsoNormal" style="MARGIN-TOP: 2px; MARGIN-BOTTOM: 2px"> <span style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">health insurance</span></p> <p class="MsoNormal" style="MARGIN-TOP: 2px; MARGIN-BOTTOM: 2px"> <span style="FONT-SIZE: 10pt; FONT-FAMILY: Arial"> unemployment insurance</span></p> <p class="MsoNormal" style="MARGIN-TOP: 2px; MARGIN-BOTTOM: 2px"> <span style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">sickness insurance</span></p> <p class="MsoNormal" style="MARGIN-TOP: 2px; MARGIN-BOTTOM: 2px"> <span style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">accident insurance</span></p> <p class="MsoNormal" style="MARGIN-TOP: 2px; MARGIN-BOTTOM: 2px"> <span style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">house insurance</span></p> <p class="MsoNormal" style="MARGIN-TOP: 2px; MARGIN-BOTTOM: 2px"> <span style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">content insurance</span></p> <p class="MsoNormal" style="MARGIN-TOP: 2px; MARGIN-BOTTOM: 2px"> <span style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">mortgage </span></p> <p class="MsoNormal" style="MARGIN-TOP: 2px; MARGIN-BOTTOM: 2px"> <span style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">mortgages </span></p> <p class="MsoNormal" style="MARGIN-TOP: 2px; MARGIN-BOTTOM: 2px"> <span style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">off set mortgage</span></p> <p class="MsoNormal" style="MARGIN-TOP: 2px; MARGIN-BOTTOM: 2px"> <span style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">interest rates</span></p> <p class="MsoNormal" style="MARGIN-TOP: 2px; MARGIN-BOTTOM: 2px"> <span style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">repayment </span></p> <p class="MsoNormal" style="MARGIN-TOP: 2px; MARGIN-BOTTOM: 2px"> <span style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">endowment </span></p> <p class="MsoNormal" style="MARGIN-TOP: 2px; MARGIN-BOTTOM: 2px"> <span style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">ISA </span> </p> <p class="MsoNormal" style="MARGIN-TOP: 2px; MARGIN-BOTTOM: 2px"> <span style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">ISAs</span></p> <p class="MsoNormal" style="MARGIN-TOP: 2px; MARGIN-BOTTOM: 2px"> <span style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">investment bond</span></p> <p class="MsoNormal" style="MARGIN-TOP: 2px; MARGIN-BOTTOM: 2px"> <span style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">wills</span></p> <p class="MsoNormal" style="MARGIN-TOP: 2px; MARGIN-BOTTOM: 2px"> <span style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">estate, estate planning</span></p> <p class="MsoNormal" style="MARGIN-TOP: 2px; MARGIN-BOTTOM: 2px"> <span style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">residence domicile, non domiciled</span></p> <p class="MsoNormal" style="MARGIN-TOP: 2px; MARGIN-BOTTOM: 2px"> <span style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">Danish dansk anglo danish expert</span></p> <p class="MsoNormal" style="MARGIN-TOP: 2px; MARGIN-BOTTOM: 2px"> <span style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">FSA Sesame certificate</span></p> <p class="MsoNormal" style="MARGIN-TOP: 2px; MARGIN-BOTTOM: 2px"> <span style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">Member Personal Finance Society</span></p> <p class="MsoNormal" style="MARGIN-TOP: 2px; MARGIN-BOTTOM: 2px"> <span style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">Member Society of Mortgage Professionals</span></p> <p class="MsoNormal" style="MARGIN-TOP: 2px; MARGIN-BOTTOM: 2px"> <span style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">Member Institute of Financial Planning</span></p> <p class="MsoNormal" style="MARGIN-TOP: 2px; MARGIN-BOTTOM: 2px"> <span style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">Ph.D. M.Sc. B.Sc. </span></p> <p class="MsoNormal" style="MARGIN-TOP: 2px; MARGIN-BOTTOM: 2px"> <span style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">USS </span> </p> <p class="MsoNormal" style="MARGIN-TOP: 2px; MARGIN-BOTTOM: 2px"> <span style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">JSS</span></p> <p class="MsoNormal" style="MARGIN-TOP: 2px; MARGIN-BOTTOM: 2px"> <span style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">Member Chartered Insurance Institute </span></p> <p class="MsoNormal" style="MARGIN-TOP: 2px; MARGIN-BOTTOM: 2px"> <span style="FONT-SIZE: 10pt; FONT-FAMILY: Arial"> superannuation</span></td> <td vAlign="top" width="249"> <p class="MsoNormal" style="MARGIN-TOP: 2px; MARGIN-BOTTOM: 2px"> <span style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">school fees, tuition fees</span></p> <p class="MsoNormal" style="MARGIN-TOP: 2px; MARGIN-BOTTOM: 2px"> <span style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">equity release</span></p> <p class="MsoNormal" style="MARGIN-TOP: 2px; MARGIN-BOTTOM: 2px"> <span style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">long term care</span></p> <p class="MsoNormal" style="MARGIN-TOP: 2px; MARGIN-BOTTOM: 2px"> <span style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">accounts bank banks, building societies</span></p> <p class="MsoNormal" style="MARGIN-TOP: 2px; MARGIN-BOTTOM: 2px"> <span style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">real estate</span></p> <p class="MsoNormal" style="MARGIN-TOP: 2px; MARGIN-BOTTOM: 2px"> <span style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">currency transfer</span></p> <p class="MsoNormal" style="MARGIN-TOP: 2px; MARGIN-BOTTOM: 2px"> <span style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">currency exchange </span></p> <p class="MsoNormal" style="MARGIN-TOP: 2px; MARGIN-BOTTOM: 2px"> <span style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">portfolio</span></p> <p class="MsoNormal" style="MARGIN-TOP: 2px; MARGIN-BOTTOM: 2px"> <span style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">portfolio optimisation </span></p> <p class="MsoNormal" style="MARGIN-TOP: 2px; MARGIN-BOTTOM: 2px"> <span style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">portfolio optimization</span></p> <p class="MsoNormal" style="MARGIN-TOP: 2px; MARGIN-BOTTOM: 2px"> <span style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">modern portfolio theory </span></p> <p class="MsoNormal" style="MARGIN-TOP: 2px; MARGIN-BOTTOM: 2px"> <span style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">asset allocation</span></p> <p class="MsoNormal" style="MARGIN-TOP: 2px; MARGIN-BOTTOM: 2px"> <span style="FONT-SIZE: 10pt; FONT-FAMILY: Arial"> diversification </span></p> <p class="MsoNormal" style="MARGIN-TOP: 2px; MARGIN-BOTTOM: 2px"> <span style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">wills </span></p> <p class="MsoNormal" style="MARGIN-TOP: 2px; MARGIN-BOTTOM: 2px"> <span style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">budget</span></p> <p class="MsoNormal" style="MARGIN-TOP: 2px; MARGIN-BOTTOM: 2px"> <span style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">household budgets</span></p> <p class="MsoNormal" style="MARGIN-TOP: 2px; MARGIN-BOTTOM: 2px"> <span style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">redundancy benefits</span></p> <p class="MsoNormal" style="MARGIN-TOP: 2px; MARGIN-BOTTOM: 2px"> <span style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">state benefits</span></p> <p class="MsoNormal" style="MARGIN-TOP: 2px; MARGIN-BOTTOM: 2px"> <span style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">injury</span></p> <p class="MsoNormal" style="MARGIN-TOP: 2px; MARGIN-BOTTOM: 2px"> <span style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">buy to let</span></p> <p class="MsoNormal" style="MARGIN-TOP: 2px; MARGIN-BOTTOM: 2px"> <span style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">income protection</span></p> <p class="MsoNormal" style="MARGIN-TOP: 2px; MARGIN-BOTTOM: 2px"> <span style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">ETF </span> </p> <p class="MsoNormal" style="MARGIN-TOP: 2px; MARGIN-BOTTOM: 2px"> <span style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">HMRC</span></p> <p class="MsoNormal" style="MARGIN-TOP: 2px; MARGIN-BOTTOM: 2px"> <span style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">double taxation</span></p> <p class="MsoNormal" style="MARGIN-TOP: 2px; MARGIN-BOTTOM: 2px"> <span style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">EU taxation</span></p> <p class="MsoNormal" style="MARGIN-TOP: 2px; MARGIN-BOTTOM: 2px"> <span style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">indemnity insurance </span></p> <p class="MsoNormal" style="MARGIN-TOP: 2px; MARGIN-BOTTOM: 2px"> <span style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">gifts</span></p> <p class="MsoNormal" style="MARGIN-TOP: 2px; MARGIN-BOTTOM: 2px"> <span style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">gifts with reservation </span></p> <p class="MsoNormal" style="MARGIN-TOP: 2px; MARGIN-BOTTOM: 2px"> <span style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">exemptions</span></p> <p class="MsoNormal" style="MARGIN-TOP: 2px; MARGIN-BOTTOM: 2px"> <span style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">PET PETs </span></p> <p class="MsoNormal" style="MARGIN-TOP: 2px; MARGIN-BOTTOM: 2px"> <span style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">transfer of property</span></p> <p class="MsoNormal" style="MARGIN-TOP: 2px; MARGIN-BOTTOM: 2px"> <span style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">divorce </span></p> <p class="MsoNormal" style="MARGIN-TOP: 2px; MARGIN-BOTTOM: 2px"> <span style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">credit</span></p> <p class="MsoNormal" style="MARGIN-TOP: 2px; MARGIN-BOTTOM: 2px"> <span style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">credit cards</span></p> <p class="MsoNormal" style="MARGIN-TOP: 2px; MARGIN-BOTTOM: 2px"> <span style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">store cards</span></p> <p class="MsoNormal" style="MARGIN-TOP: 2px; MARGIN-BOTTOM: 2px"> <span style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">loans </span></p> <p class="MsoNormal" style="MARGIN-TOP: 2px; MARGIN-BOTTOM: 2px"> <span style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">bills</span></p> <p class="MsoNormal" style="MARGIN-TOP: 2px; MARGIN-BOTTOM: 2px"> <span style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">IVA IVAs</span></p> <p class="MsoNormal" style="MARGIN-TOP: 2px; MARGIN-BOTTOM: 2px"> <span style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">pounds sterling </span></p> <p class="MsoNormal" style="MARGIN-TOP: 2px; MARGIN-BOTTOM: 2px"> <span style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">interest</span></p> <p class="MsoNormal" style="MARGIN-TOP: 2px; MARGIN-BOTTOM: 2px"> <span style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">interest rates</span></p> <p class="MsoNormal" style="MARGIN-TOP: 2px; MARGIN-BOTTOM: 2px"> <span style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">inflation</span></p> <p class="MsoNormal" style="MARGIN-TOP: 2px; MARGIN-BOTTOM: 2px"> <span style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">deflation</span></p> <p class="MsoNormal" style="MARGIN-TOP: 2px; MARGIN-BOTTOM: 2px"> <span style="FONT-SIZE: 10pt; FONT-FAMILY: Arial"> stagflation</span></p> <p class="MsoNormal" style="MARGIN-TOP: 2px; MARGIN-BOTTOM: 2px"> <span style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">long term advice</span></p> <p class="MsoNormal" style="MARGIN-TOP: 2px; MARGIN-BOTTOM: 2px"> <span style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">decent advice</span></p> <p class="MsoNormal" style="MARGIN-TOP: 2px; MARGIN-BOTTOM: 2px"> <span style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">qualified authorised authorized licensed</span></p> <p class="MsoNormal" style="MARGIN-TOP: 2px; MARGIN-BOTTOM: 2px"> <span style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">Bank of England</span></p> <p class="MsoNormal" style="MARGIN-TOP: 2px; MARGIN-BOTTOM: 2px"> <span style="FONT-SIZE: 10pt; FONT-FAMILY: Arial"> Storestrand Financial Limited</span></p> <p class="MsoNormal" style="MARGIN-TOP: 2px; MARGIN-BOTTOM: 2px"> <span style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">property abroad</span></p> <p class="MsoNormal" style="MARGIN-TOP: 2px; MARGIN-BOTTOM: 2px"> <span style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">legal documents</span></td> <td vAlign="top"> <p class="MsoNormal" style="MARGIN-TOP: 2px; MARGIN-BOTTOM: 2px"> <span style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">intestate covenants corporate</span></p> <p class="MsoNormal" style="MARGIN-TOP: 2px; MARGIN-BOTTOM: 2px"> <span style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">corporate bonds</span></p> <p class="MsoNormal" style="MARGIN-TOP: 2px; MARGIN-BOTTOM: 2px"> <span style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">gilts</span></p> <p class="MsoNormal" style="MARGIN-TOP: 2px; MARGIN-BOTTOM: 2px"> <span style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">commerce commercial</span></p> <p class="MsoNormal" style="MARGIN-TOP: 2px; MARGIN-BOTTOM: 2px"> <span style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">SIPP SIPPs</span></p> <p class="MsoNormal" style="MARGIN-TOP: 2px; MARGIN-BOTTOM: 2px"> <span style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">platform designated investments</span></p> <p class="MsoNormal" style="MARGIN-TOP: 2px; MARGIN-BOTTOM: 2px"> <span style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">general insurance</span></p> <p class="MsoNormal" style="MARGIN-TOP: 2px; MARGIN-BOTTOM: 2px"> <span style="FONT-SIZE: 10pt; FONT-FAMILY: Arial"> inheritance tax IHT</span></p> <p class="MsoNormal" style="MARGIN-TOP: 2px; MARGIN-BOTTOM: 2px"> <span style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">agency </span></p> <p class="MsoNormal" style="MARGIN-TOP: 2px; MARGIN-BOTTOM: 2px"> <span style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">affiliate</span></p> <p class="MsoNormal" style="MARGIN-TOP: 2px; MARGIN-BOTTOM: 2px"> <span style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">Currency Solutions</span></p> <p class="MsoNormal" style="MARGIN-TOP: 2px; MARGIN-BOTTOM: 2px"> <span style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">bridging loans</span></p> <p class="MsoNormal" style="MARGIN-TOP: 2px; MARGIN-BOTTOM: 2px"> <span style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">financial projections</span></p> <p class="MsoNormal" style="MARGIN-TOP: 2px; MARGIN-BOTTOM: 2px"> <span style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">lump sum investment</span></p> <p class="MsoNormal" style="MARGIN-TOP: 2px; MARGIN-BOTTOM: 2px"> <span style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">united kingdom</span></p> <p class="MsoNormal" style="MARGIN-TOP: 2px; MARGIN-BOTTOM: 2px"> <span style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">off shore investments</span></p> <p class="MsoNormal" style="MARGIN-TOP: 2px; MARGIN-BOTTOM: 2px"> <span style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">retirement planning</span></p> <p class="MsoNormal" style="MARGIN-TOP: 2px; MARGIN-BOTTOM: 2px"> <span style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">life styling</span></p> <p class="MsoNormal" style="MARGIN-TOP: 2px; MARGIN-BOTTOM: 2px"> <span style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">debt consolidation</span></p> <p class="MsoNormal" style="MARGIN-TOP: 2px; MARGIN-BOTTOM: 2px"> <span style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">local</span></p> <p class="MsoNormal" style="MARGIN-TOP: 2px; MARGIN-BOTTOM: 2px"> <span style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">Norwich Golden Triangle</span></p> <p class="MsoNormal" style="MARGIN-TOP: 2px; MARGIN-BOTTOM: 2px"> <span style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">gold bullion commodities BRIC</span></p> <p class="MsoNormal" style="MARGIN-TOP: 2px; MARGIN-BOTTOM: 2px"> <span style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">emerging markets</span></p> <p class="MsoNormal" style="MARGIN-TOP: 2px; MARGIN-BOTTOM: 2px"> <span style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">investment risk</span></p> <p class="MsoNormal" style="MARGIN-TOP: 2px; MARGIN-BOTTOM: 2px"> <span style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">investment volatility</span></p> <p class="MsoNormal" style="MARGIN-TOP: 2px; MARGIN-BOTTOM: 2px"> <span style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">high return</span></p> <p class="MsoNormal" style="MARGIN-TOP: 2px; MARGIN-BOTTOM: 2px"> <span style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">IFA</span></p> <p class="MsoNormal" style="MARGIN-TOP: 2px; MARGIN-BOTTOM: 2px"> <span style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">investment yield </span></p> <p class="MsoNormal" style="MARGIN-TOP: 2px; MARGIN-BOTTOM: 2px"> <span style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">capital</span></p> <p class="MsoNormal" style="MARGIN-TOP: 2px; MARGIN-BOTTOM: 2px"> <span style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">capital movement</span></p> <p class="MsoNormal" style="MARGIN-TOP: 2px; MARGIN-BOTTOM: 2px"> <span style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">rich, wealthy,</span></p> <p class="MsoNormal" style="MARGIN-TOP: 2px; MARGIN-BOTTOM: 2px"> <span style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">flexible experienced Danish </span></p> <p class="MsoNormal" style="MARGIN-TOP: 2px; MARGIN-BOTTOM: 2px"> <span style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">Danfolk</span></p> <p class="MsoNormal" style="MARGIN-TOP: 2px; MARGIN-BOTTOM: 2px"> <span style="FONT-SIZE: 10pt; FONT-FAMILY: Arial"> scientists, professionals, Norwich Research Park</span></p> <p class="MsoNormal" style="MARGIN-TOP: 2px; MARGIN-BOTTOM: 2px"> <span style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">advice for professionals</span></p> <p class="MsoNormal" style="MARGIN-TOP: 2px; MARGIN-BOTTOM: 2px"> <span style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">health insurance BUPA </span></p> <p class="MsoNormal" style="MARGIN-TOP: 2px; MARGIN-BOTTOM: 2px"> <span style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">Aviva PC Financial</span></p> <p class="MsoNormal" style="MARGIN-TOP: 2px; MARGIN-BOTTOM: 2px"> <span style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">Plummer and Associates</span></p> <p class="MsoNormal" style="MARGIN-TOP: 2px; MARGIN-BOTTOM: 2px"> <span style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">ethical investments</span></p> <p class="MsoNormal" style="MARGIN-TOP: 2px; MARGIN-BOTTOM: 2px"> <span style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">limited risk</span></p> <p class="MsoNormal" style="MARGIN-TOP: 2px; MARGIN-BOTTOM: 2px"> <span style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">structured financial products</span></p> <p class="MsoNormal" style="MARGIN-TOP: 2px; MARGIN-BOTTOM: 2px"> <span style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">wealth management</span></td> </tr> </table> <p class="MsoNormal" align="justify" style="margin-top: 2px; margin-bottom: 2px"> </td> </tr> </table> </div> <p class="MsoNormal" align="justify">  </p> <p> </p> </body>