Birmingham Lake

"Wealth is not his that has it, but his that enjoys it"

-Benjamin Franklin

Traveling in the Alps

"Wealth consists not in having great possessions, but in having few wants"

-Epictetus

Traveling in Crete

"Time is the most valuable thing a man can spend"

- Laertius Diogenes

Morris Dancing Birmingham

"The glow of one warm thought is to be worth than money."

-Thomas Jefferson

Alan Moran Independent Financial Adviser Birmingham

"I don't care too much for money for money can't buy me love"

- The Beatles

Traveling in the Red Sea

"Simple, genuine goodness is the best capital to found the business of this life upon. It lasts when fame and money fail, and it is the only riches we can take out this world with us."

-Louisa May Alcott, Little Men

cliffs of dover

"And though I have the gift of prophecy, and understand all mysteries, and all knowledge, and though I have all faith, so that I could remove mountains, and have not charity, I am nothing."

-St. Paul

Finance in the Big City

"Not he who has much is rich but he who gives much"

-Erich Fromm

Birmingham UK Sunset

"Life is what happens to you while you are busy making other plans"

-John Lennon

Travels - A well lived life

"I pity that man who wants a coat so cheap that the man or woman who produces the cloth shall starve in the process"

-Benjamin Harrison

The National Savings and Investments NSandl

 

National Savings are often neglected by financial advisers because they have been difficult and time consuming to arrange for clients. At Interface Financial Planning we have our own online NS&I account where we can view our clients’ National Savings and help them to manage them. Our direct access to NS&I enables us to easily obtain information and integrate this element of our clients’ assets into their financial planning.

The NS&I savings products include Premium Bonds, ISAs, Junior ISAs, Income Bonds, Saver account and Investment account. Note: Fixed Interest and Index linked savings certificates are no longer available but existing ones remain valid. For information about savings certificates click here.

We have become aware that many clients have NS&I investments which have been lost or forgotten and there are millions of prizes which have been unclaimed.

Prizes may go unclaimed as a result of not informing NS&I about changing circumstances such as a change in address details, or if Premium Bonds were bought as a child and the owner has subsequently lost track of them. 

 

Shockingly, five people have won £100,000 and not claimed it, there are seven unclaimed £50,000 prizes and another seven £25,000 prizes going begging.”

 

The good news is that unlike lottery wins where you have only 180 days to claim your prize, premium bond prizes are valid forever. A list of the top unclaimed prizes can be seen at Premium Bonds prizes remain unclaimed across the UK

 

When helping a client recently to sort out her paperwork we found savings certificates from 1964 and premium bonds for her children bought over 30 years ago by their late grandmother that they didn’t even know about. In addition her paperwork contained cheques that been received and not presented and were well out of date. This experience made us realise that this was an area where clients could benefit from our help.

The NS&I encourage everyone to register online and opt to have their prize winnings paid directly to their bank accounts This is more efficient for NS&I and ensures that the prize monies actually get to the bank. This option form is available for you in our dedicated NS&I folder and we can process it for you if you wish. Once you're registered online, you can choose to have the prizes paid straight into your bank account, or re-invested in more Premium Bonds until you hit the £50,000 limit.

If you have existing NS&I products and you would like us to ensure that everything is in order for you all you have to do is complete the NS&I authority form and return it to us using our Freepost address. We do not charge a fee for this because it is part of our financial planning service and it actually makes our life easier because we can include your NS&I products within your lifetime cash flow and financial planning within a couple of minutes.

We can ensure that NS&I hold your correct address and update your name if you have changed your status since you took out your savings.

Furthermore, when the time comes, we can help your Attorneys, your Executors and your Beneficiaries because we have access to your comprehensive information, thus ensuring that your NS&I investments do not become part of the lost millions. If you need guidance after a bereavement the NS&I Death Claims Brochure is good place to start.

Our Guide to National Savings and Investments 

 

NS&I launch Green Bonds 

 

Useful information sources

NS&I Heritage – Founded 1861

NS&I Premium Bonds Prize Checker | Check if you have won a prize 

NS&I Prize Checker App for your phone 

Register for NS&I online account

Managing your NS&I savings online 

NS&I Downloads and forms including cash in forms and power of attorney

 

Contact NS&I

Customer helpline  08085 007 007 from 7am-10pm every day

Via Twitter: @nsandihelp

Via Facebook Messenger

By post: NS&I Sunderland SR43 2SB

 

Contact for Advisers only

Adviser Centre

Email: adviser@nsandi.com

Dedicated Adviser Helpline between 8am and 6pm Monday to Friday 0800 092 1228

 

Articles of Interest and Reference

Do Your Premium Bonds Die with you?

Money Saving expert – 1.6 million premium bond prizes unclaimed – check if you have won

Money Facts – How can I find lost premium bonds?

What happens to Premium Bonds when you die? NS&I explains what happens if prize is won

How to check if you've got Premium Bonds – Good House Keeping 

What are premium bonds? – Which?

 

Regulatory statement

The financial conduct authority does not regulate on national savings products.

Information is based on our current understanding of taxation legislation and regulations. Any levels and bases of, and reliefs from taxation, are subject to change.

What our Clients say

Alan has the ability to listen and care about people

We first met Alan in 1999; we both wished that weFinancial Planning Clients had known him many years before. Alan has several attributes, in addition to his financial skills, the ability to listen and caring about people. From the first day that we met our financial affairs became organised, now to the point where we can say that we never have any financial worries, in fact we seem to be better off financially now more than ever before. All due to Alan's guidance and expertise. We both consider Alan a very good friend, nice to know he would be there if we needed him.

Norman & Peggy Howell, Birmingham

I always receive a fast and efficient response

Financial Planning ClientsIt has been almost ten years now since David and myself first consulted you for advice and guidance on financial matters, so I feel that it's time that I wrote to thank you for the help and assistance that has always been forthcoming. Shortly after we had moved house in 1992, you advised us to switch from one type of mortgage to another, which turned out to be the most successful financial move we had made in years. Over the years we contacted you for financial advice and guidance when our daughter was heading for University, on taking out life and house assurance policies and general financial overhauls. Your recommendations have always been sound and given in a manner both efficient and friendly, none more so than when I was widowed just over two years ago and needed a considerable amount of help, immediately given upon request and with great sensitivity during what was a very difficult time for me. There is little I can add, except to also thank the rest of your staff, friendly voices at the end of the telephone who take and pass on my enquiries and ensure that I always receive a fast and efficient response. I can recommend, without reservation, Interface Financial Planning Limited.

Maureen Pittaway, Sutton Coldfield

A very special and caring person

Financial Planning ClientsFinancial Planning ClientsAlan - A very special and caring person, who it's been a pleasure to meet - thank you again it's been a privilege and honour, your kindness has been second to none and we know you've helped probably more than you should but I can assure you it was all very much appreciated, more than you know.

Bill & Sue Ralph, Oldbury, West Midlands

Advice that has been invaluable

Financial Planning Clients Financial Planning ClientsAlan has been our financial adviser for 5 years. He is professional, well informed and reliable, and his advice has been invaluable to us. He and his staff are courteous and efficient, and we have no hesitation in approaching him for advice on any aspect of our finances, or in recommending him to relatives, friends and colleagues.

Tony & Sue Critchley, Lichfield

Always friendly and considerate

Alan Moran has acted on our behalf for over 10 years. Alan has over this time always listened to our requirements and fed back to us the best options, given our constraints and made very useful alternatives suggestions. He has always been friendly and considerate. I would not now consider making any financial investment or savings decision without first consulting him.

Ian & Joyce Miller, Birmingham

Honest and always takes the time to explain everything thoroughly

Financial Planning Clients Financial Planning ClientsAlan has acted as our family Financial Adviser for many years. He is honest, non-pushy and always takes the time to explain everything thoroughly as often as needed. Alan is not only our Financial Adviser but we regard him as our friend. We would have no hesitation in recommending him and his staff to anyone who needs a Financial Adviser they can trust.

Malcolm & Sylvia Smith, Perry Barr, Birmingham

Alan's sound advice has improved my life no end.

I was introduced to Alan Moran in 1999. I was juggling my finances just to keep afloat and was wary of taking outside advice. A close friend of mine recommended Alan as a reliable and honest adviser who would take great care in choosing the right path to get my financial affairs on track. Trusting their judgement, I arranged to meet Alan. I was treated with the utmost care, given time to consider the guidance that Alan provided and never pushed into taking on financial services. Meeting Alan and acting upon his sound advice has improved my life no end. Even on a limited income, prudent planning has enabled me to save for annual holidays and even cope with the occasional unexpected expense as well as keep up to date with all of my bills. I count Alan among my friends and have recommended him to both my sister and my parents. He really is the genuine article and I cannot thank him enough for all he did for me.

Zena Davis, Coventry

Alan's knowledge of financial matters is very comprehensive

Alan was introduced to me by a friend at the time when my finances were a mess and I just didn't know what to do for the best. Calmly, kindly and sympathetically Alan sorted everything out. Since then he and his wonderful team have sorted out my house and car insurances, my son's mortgage and pension plan and, last but not least, guided me through the ramifications of buying a property in Spain. I have recommended him to friends, as his knowledge of financial matters is very comprehensive and sound. Alan is able to offer advice without making the recipient feel a complete idiot and he takes time to explain things thoroughly and in a way that is understandable.

Tricia Adams, Cannock, Staffordshire

Alan's sound advice has improved my life no end.

I have been a client of Alan Moran's for 12 years and during that time he has given me valuable advice on all aspects of finance. He always explains everything thoroughly and has been particularly supportive during periods of crisis in my life. He helped my late husband and I when his business went into liquidation and was even more valuable when my husband died, pointing me in the right direction with my finances and getting me to invest my money sensibly and with the just rewards that I am now experiencing. I regard Alan not only as my Financial Adviser, but also as my friend, and would, and in fact have, recommended Interface Financial Planning Services to anyone needing a Financial Adviser they can trust.

Marian Poolley, Sutton Coldfield

Efficient and reliable in terms of financial decision making

Financial Planning ClientsAlan Moran has been our independent financial adviser for a number of years. He has proven to be an efficient and reliable person to guide us in terms of financial decision making with regard to planning and management of current and future economic matters. He is friendly, discreet, careful and always courteous.

Chris & Tony Hampton, Halesowen

Highly professional, friendly and supportive approach

Financial Planning Clients Financial Planning ClientsWe have been clients of Alan Moran (Interface Financial Planning Ltd) for over five years. In this time, his highly professional, friendly and supportive approach has provided us with a thorough review of all aspects of our finances. We are now in a position where both our short term and long term financial planning is well organised and structured to suit our personal needs. We have recommended Alan and his team to many of our friends and know that they, like us, have been impressed and grateful for the care he has taken to provide such individual service.

Ann & Allan Rowlands, Handsworth Wood, Birmingham

Professional and friendly manner

Just dropping you a line to say thank you for all the help you've provided us throughout the purchase of our house and the investment policies you've recommended us. May we both thank you for the very professional and friendly way, in which you handled our business, and look forward to hearing from you in the future.

John Fletcher & Linda Davis, Bromsgrove

Wouldn't hesitate to recommend

We were recommended to Alan by my brother in law and have been very pleased with his advice and assistance. Since using his services, we have organised our Wills, Pensions and re-jigged our finances, and now would not consider making any financial investment or savings decision without first contacting him! We would have no hesitation in recommending his services to anyone requiring sound independent financial advice.

Richard Salaman & Emma Staples, Surrey

Valuable advice on our mortgage, future planning, savings and pension investments.

Financial Planning Clients Financial Planning ClientsSeeking financial advice for the first time, I received details of three local IFAs. However, these cold statistics gave no idea of the actual person to whom I would need to entrust confidential information. Sometime later I came across an article in a local paper by Alan (Moran) in which the writer came over as friendly and trustworthy as well as being a qualified IFA. Having contacted Interface Financial Planning, the result has been a friendly relationship and valuable advice on our mortgage, future planning, savings and pension investments.

Mike & Gloria Nash, Great Barr, Birmingham

I have never had a single financial concern

Financial Planning ClientsThe best thing financially that I ever did when I contacted Alan. I have never had a single financial concern and he has supported me through difficult times including the death of my dear wife.

Norman Howell, Birmingham

“Don’t put off the planning for your financial future as you are
never aware of what lies around the corner”

We first met Alan in 1999; we both wished that weFinancial Planning ClientsIt was very important to gain financial advice in such a challenging time after my wife passed away. I needed to ensure that, as a newly single parent, I had got my finances sorted out and had also made provision for my children in case anything happened to me. As neither my wife or myself had made a will, Alan’s advice and guidance through this very difficult period was invaluable, especially dealing with the paperwork associated with this.

Paul from Birmingham

“Alan, was immediately empathetic, encouraging and, above all, practical and straightforward”

Financial Planning Clients

I realised that I had been operating both my general and particularly financial affairs reactively for far too long and it was time I behaved like a grown up. So I started to think about how I might achieve some sort of practical stasis. Alan, was immediately empathetic, encouraging a nd, above all, practical and straightforward. I hadn’t consciously taken financial advice before, but came to realise that the various salesmen who had sold me policies and pension upgrades were not motivated in the same way a ‘proper’ financial adviser was (or should be). Consequently, I had taken on commitments that weren’t necessarily in my best interests. Alan is genuinely interested in my circumstances, and owns a readiness to go beyond what I had imagined would be the boundaries of the role.

Steven from Cirencester