OUR FOCUS IS ON GROWING OUR CLIENTS’ WEALTH OVER THE LONG-TERM
INVESTING
If you’ve started to think about making investments, then you’ve probably begun to think about your long-term financial goals and how to achieve them. NBL helps to bring your goals to reality.
NBL financial planners will make sure you fully understand the investment options available to you so you can take an informed approach. We will advise and develop a personalised investment strategy and build a portfolio that meets your investment objectives. We will advise on regular evaluations and adjustments as market conditions or your circumstances change.
Investing can grow your wealth and solidify your financial future. There are many different types of investment available – all with their own pros and cons depending on your requirements. The options (not to mention the combination of options) can be overwhelming, we help to decide which investment strategy is right for you and which will help you achieve your long-term goals.
NBL helps you decide how long you are willing to invest for, the level of risk you’ll take and what type of investment will be best. You may need different strategies for different goals.
INVESTMENT TYPES
Pooled investment schemes
Open-ended investment funds
Unit trusts
Investment trusts
Individual savings accounts (ISA)
Investment bonds
Offshore bonds
Investing for income
Ethical & sustainable investments
Trustee investments
Enterprise investment schemes (EIS)
Venture capital trusts (VCT)
“As a longstanding client of NBL, I can say that over many years, the service has been excellent and continues to be so today. Unlike many companies, you can actually speak to someone at NBL and get an answer by return. I would highly recommend considering them for your investments.”
Mrs S
BENEFITS OF INVESTING
Investment planning makes sure that both you and your family’s future are thought-through and established for the long-term. Savings account are the most simple way of retaining your wealth, but this limits how much your money can grow.
Long-term investments can help improve financial security, efficiently manage your income and build your savings for later in life.
TYPICAL INVESTMENT GOALS
Improving financial situations – a long-term goal for many investing. The right investment strategy can help you beat inflation and steadily grow your money over a number of years. Lifetime financial forecasting can also be helpful to realise your financial goals.
Retirement – a long-term investing goal for many people, in addition to a pension, to maintain a certain standard of living.
Education – a medium-term investment goal for parents or family members, who want to minimise student debt or look at private education for their children or grandchildren.
OUR SERVICES
RETIREMENT PLANNING
We are all living longer and there has never been a more important time to plan for your future. Few people these days enjoy the certainty of a whole-career job and a comfortable final-salary pension. Using a pension remains the most tax efficient way of investing, but they can seem complicated. We help you plan your retirement using the most profitable and tax-efficient combination of pension income, lump sums, investments and other streams of finance.
ESTATE PLANNING
Passing on your money and property to loved ones or good causes in the most tax-efficient way needs skilful handling. Mitigating against 40% Inheritance Tax is a significant part of this area of planning, but not the only one. Thinking about how the next generation will use an inheritance or when to pass money on is also key. And the sooner it is factored in to your overall financial picture, the better. We use the very latest tax legislation alongside your investment portfolio, and carefully take into consideration your intentions for family and loved ones.
MORTGAGES
NBL offers bespoke and independent mortgage advice throughout the entire process. We can guide you through initial advice to completion. Our experience will mean an awful lot of stress is taken out of what is a fairly routine financial commitment. Purchasing a house is a lengthy process, can be time-consuming and fraught will niggles along the way, but it can also be rewarding and set your family up for an easier future. Whether it is a first house, or a street’s worth of properties, it is always worth gaining advice.
WILLS
At NBL we will help you make the right choices when it comes to planning your financial future. Part of that advice is about making sure you leave your hard earned assets to the people who matter when you die. A Will is about choice. You choose what happens when you die. NBL works with a specialist lawyers who fully understands the complexities of Will writing making sure on your death your Will ensures your wishes are carried through.
LASTING POWER OF ATTORNEY
Lasting Power of Attorney (LPA) makes sure that your chosen representative will be able to access your money to pay your bills, make insurance claims, manage your estate and make health care decisions. Even a spouse or parent does not have the right to do this unless they are legally appointed as your attorney. To appoint somebody as your attorney, you will need an LPA.
BUSINESS TAX ADVICE
For many of our clients their personal wealth is tied into their business. Making the right decisions within your business can save you tax. You might want to sell your business to retire or pass a family business onto the next generation? NBL are here to help you through this sometimes complicated area to make sure you minimise the tax you have to pay.
CORPORATE BENEFITS
Corporate benefits offer a way to attract and retain people, contribute towards improving well-being and encourage value and skills and achievements. Most employers want to offer benefits to their employees, but do not know which to choose. Budget and number of employees play a role in your decision. By building an attractive employee benefits package, you can attract and keep quality employees and gain certain tax advantages.