WE MANAGE WEALTH PORTFOLIOS ACROSS A DIVERSE SET OF SERVICES
SERVICES
As independent financial advisers, we draw on the best services and offerings of the financial system, markets and corporations to tailor programmes for your specific needs. These will change over time, but at NBL we work to piece together a synchronised plan that is flexible enough to cope with any changes that come along.
STRATEGY
We make active investment choices carefully and deliberately – they affect the financial future of our clients – enabling NBL to build longevity and sustainable margins. We aim to grow our asset management and meet increasing client demand for additional portfolio building blocks and alternative sources of return.
RISK & RESPONSIBILITY
We combine several key elements to achieve consistent returns while controlling your risk. We draw on research and analysis from our in-house team, the guidance of investment specialists and invaluable external expertise. We then overlay your individual needs and discuss the most suitable investments for you.
KEY SERVICES
INVESTING
Whatever your investment goal, whether it is growth, income, security of your capital or simply a better overall return, knowing where to invest your money is hard. The financial marketplace offers a bewildering amount of choices. We carefully assess your attitude to risk, what you need your money for and when, and then pinpoint options that can offer the best returns over the long term.
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.
OTHER SERVICES
From taking out a mortgage to buy your first home to creating a tax-efficient Will to pass on your estate to your loved ones, we help you put the pieces together for financial freedom. Working with trusted and experienced partners, we can also advise on long-term care, equity release, and other insurance-based protections that you may need throughout life.
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. Our legal partners can talk you through the whole process and give you peace of mind.
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.
OUR PROCESS
Excellent long-term financial planning is a partnership. We are always on-call for your questions and updates.
INITIAL MEETING
The first step of your journey with NBL is an in-depths initial meeting. We will go through your financial objectives and your current assets to create a vision for where you want to be.
ANALYSIS & RESEARCH
After that comes in-depths analysis of your attitude to risk, and research into a range of market-wide products that would fulfil your objectives.
PRESENT THE PLAN
At our second meeting it’s our priority to make sure you understand the plan, and have your say in any adjustments that you believe need making.
REVIEW, ADJUST & IMPLEMENT
Once your plan is implemented, we continually review it, and meet with you annually to update on how your investments are performing and how and how your life is going.