Why Choose us?
Qualifications / Experience
I have been involved in complex pension advice for over 30 years, investment advice for over 20 years and long-term care advice for over 15 years.
I graduated from the University of Manchester in 1985 with a Bachelor of Science Degree (Second Class) in Mathematics.
I worked as an actuarial trainee for over two years with an international firm of employee benefit consultants, then for one regional and one national firm of independent financial advisers. I have substantial experience in pension administration and consultancy, dealing with group and individual pension arrangements. I passed the Financial Planning Certificate in July 1990. In 1991, I began to advise on investments and inheritance tax planning.
In August 1993, I set up a Financial Services Department for a 200-year-old firm of regional solicitors. I ran this department until January 1999. During this time, I started to advise on pensions and divorce, as well as long-term care planning. I was one of the first IFAs to obtain Law Society authorisation as a qualified person and was the first North-West based IFA authorised in Corporate Pensions.
I obtained the Advanced Financial Planning Certificate in January 1995. I was then admitted as a Member of the Society of Financial Advisers, SOFA (now called the Personal Finance Society, PFS), the financial services arm of the Chartered Insurance Institute (CII). In 1996, I passed the CII Pensions exam (G60), which later became compulsory for advising on pension transfers. I was admitted as an Associate of SOFA in April 1999. In February 1999, I set up Professionally Connected Financial Planning, a partnership of fee-based independent financial advisers.
In October 2001, I passed the CII Retirement Options (K10) exam. I achieved the highest mark of any candidate during the 2001/2 academic year. The examination covered the full spectrum of advice on pension options at retirement for employees, business owners and the self-employed. I was awarded the prestigious Chartered Insurance Institute/Scottish Equitable K10 Retirement Options Merit Award for 2002.
In November 2005, I became an accredited adviser for the Universities Superannuation Scheme. In September 2007, I was awarded Chartered Financial Planner status by the CII. PCFP were one of the first 100 firms awarded Corporate Chartered Financial Planner status by the CII. In July 2008, I became sole owner of PCFP.
In recognition of my completion of the requirements for the new regulatory regime, I was awarded my Statement of Professional Standing by the CII on 4 May 2012. This was successfully renewed in September 2012, 2013, 2014, 2015, 2016 and 2017. In 2016, I completed the CII Later-Life Orientation Programme and passed the CII R08 Pensions Update exam.
On 2 October 2017 PCFP changed legal status and became PCFP Ltd. The office relocated from Harwood to Egerton on 24 October 2017.
Michael J Norris A.P.F.S. Chartered Financial Planner
Winner of the CII/Scottish Equitable K10 Retirement Options Award 2002
3 Barberry Bank, Egerton, Bolton, BL7 9UJ
Telephone: 01204 383930 E-mail: firstname.lastname@example.org