“As people that travel a great deal it is satisfying to know your investments are being looked after. We would like to thank N&G for the efficient way that they handle our account. Any queries big or small are dealt with professionally and very quickly. In the years we have been clients our investments have continued to climb.”
Our Expertise
Investment Portfolio
We construct investment portfolios on our platform using tax efficient investment vehicles including ISA wrappers (which now include previous PEP wrappers and maxi and mini ISA wrappers) and Personal Portfolio wrappers (direct unit trust portfolio) to take advantage of client's capital gains tax allowances. We can also utilise offshore investment bonds where appropriate for the tax deferral abilities. We proactively use client's ISA allowances where possible each tax year through Bed & ISA transactions (selling funds from a Personal Portfolio and repurchasing these funds within an ISA tax wrapper to maximise the ISA allowance).
Pension Portfolio
We offer specialist advice when taking pension benefits, reviewing your existing pension plans and advising you of all the options available to you in a Retirement Options Report including secured pension (annuity purchase including impaired life), unsecured income (income drawdown and short term annuity), alternatively secured pension and scheme pensions, and will discuss the merits and implications of withdrawing the tax free cash from your pension funds and taking pension benefits. We have a pension transfer specialist allowing us to advise on complex pension transfers. We can review your existing pension plans including the current pension structures with relation to the changes introduced on "A" day in April 2006. We construct pension portfolios using the more sophisticated pension vehicles including SSAS, SIPP, and Pension Trusts, and can provide advice to consolidate your existing pension benefits into a single pension structure.
Inheritance Tax Planning
We provide specialist inheritance tax advice to clients including utilising the available inheritance tax free allowances, both to mitigate inheritance tax with medium to long term strategies and planning, and to cover the inheritance tax liability in a tax efficient manner. We offer advice on a range of trust planning strategies, which can be combined with investment portfolios on our platform, with the aim to mitigate inheritance tax over the medium to long term, including absolute trusts to make a potentially exempt transfer, and flexible trusts to make a lifetime transfer. We also provide advice to clients to utilise whole of life plans as a tax efficient way of estate planning, utilising plans that, unlike conventional plans, offer a fixed amount of cover for a fixed premium over a fixed term.