Wealth
We are with you for the journey
Wealth management
At Northern Tonic we work closely with our team of experienced investment professionals, delivering additional services for our clients. By working in partnership, we provide a joined-up approach to your wealth and tax planning, considering both your personal and business circumstances.
We offer a holistic and comprehensive wealth review, and are happy to arrange a free of charge meeting with our wealth partners to provide an overall financial health check
Individuals and their families
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Pensions and investments
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Life assurance and protection
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Tax planning- Inheritance and capital gains tax
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Trust and estate planning
Business owners and corporates
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Corporate wealth management- Understanding your business and goals
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Risk management- Business continuity and succession planning
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Staff retention and recruitment- Employee pension and benefit design, retirement planning
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Tax efficiency and profit extraction strategies- Wealth, cash and pension management
Choose your path to success
RETIREMENT PLANNING
Do you have a retirement plan? If you do when did you last review it? We can help you design a coherent retirement strategy, encompassing a review of your current pension plans, consider the benefits of consolidation and identify ways to help you achieve your desired level of retirement income.
INVESTMENTS
How well are your investments performing? Have you thoroughly reviewed your risk management strategy? We can help you develop a plan for investment success.
PROTECTING YOUR WEALTH
Are you mitigating and managing the risks faced by you, your family and your business?
Maintaining your wealth is as important as creating it in the first place, and a change in life circumstances that comes from an unexpected death or other tragic event will have significant consequences. When did you last review your life assurance and are you sure it gives you adequate protection to provide for your dependents and matches up with your goals and aspirations in business?
TRUST AND ESTATE PLANNING
Thoughtful inheritance tax planning is central to any wealth management strategy to protect the assets of your estate. We work with other professionals to ensure that your financial affairs and will are drawn up in the most tax-efficient way. Realistic and flexible planning strategies are core to our thinking.
MORTGAGES AND COMMERCIAL FINANCE
Is your fixed rate mortgage coming to an end? Now might well be the time to review your commercial and residential mortgages. Potentially there might be cheaper options available, and it is always worth considering whether your debt is adequately protected in case the worst should happen, and structured in a tax efficient manner.
