Expert, tailored and professional advice helps grow and protect your wealth.

We support and advise our clients with their financial goals. We are experienced in providing our clients with high quality wealth management and tax services from investment advice to pension planning.

Whether you’re an individual, business owner or trustee, one of our professional wealth management experts will work with you to create a tailored strategy, providing advice in key areas including:

  • Business Protection
  • Associated tax issues
  • Investments
  • Estate and protection planning
  • Retirement planning
  • Pensions, including workplace schemes

Our experts will guide you through all your financial options and tailor solutions to help you make the right choices to build and preserve your wealth. We are future focused, especially with the ever-changing landscapes of regulations and tax.

Business Protection

People are the most important part of any business. Your team’s skills and experience keeps your business running smoothly. But what would happen if their expertise was lost?

The illness or death of a key employee can have a potentially disastrous impact on a business, such as:

  • Loss of profit
  • Reduced capacity
  • Loss of key contacts or clients
  • Reduced knowledge within the workforce
  • The recall of loans

Our experts will advise on putting the correct insurances in place, and help to ensure that they are regularly reviewed and updated to reflect your changing business.

Business Protection  Image

Considerations:

Key Person Cover

If a crucial individual is not able to come to work, what happens? Is there a safety net? We will advise on the best way to provide one. We can arrange the most appropriate security for your business to provide for emergency costs and, if necessary, temporarily or permanently replace people, protecting your business for the future.

Shareholder Protection

The death of a shareholder can shake the foundation of a business. Uncertainty or even disputes over how the business continues can cause long-term instability.

We develop strategies to allow shareholders to purchase or dispose of holdings belonging to the deceased shareholder. By surveying the market, we can implement cost-effective cover to provide interim stability and business continuity.

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Investment Planning

For you: 

Creating and maintaining the right investment strategy is vital to securing your financial future.

Identifying your objectives, both short and long-term, is the starting point and a key focus of the initial financial planning meetings we have with our clients.

Successfully understanding your aspirations and your attitude to risk will drive the right planning at the right time, creating a solid foundation. Working with our colleagues across Azets, we also offer inputs from our tax team who specialise in minimising the amount of tax you pay over your lifetime.

Our wealth team survey the market, analysing asset management companies, product and fund manager’s performances, fund management style, and risk ratings. Utilising this research, we create the best strategy.

We will:

  • Review your current status, what money you have and how it is invested
  • Work with you to develop a tailored strategy to make the most of your assets
  • Implement, monitor and maintain your plan as appropriate to your objectives

For your business:

Creating and maintaining a viable investment plan is important for all businesses.

Whether making a new investment or reviewing your portfolio, we will work with you to help build a solid strategy.

Our advisers will:

  • Tailor a plan that works for you and your business, to achieve short and long-term goals
  • Monitor your funds and adapt to any changing objectives to make sure your strategy stays as proactive as your business

Retirement Planning

Our advisors are here to understand your financial goals and help you plan for the future. Whether you have just started your career or are approaching retirement, we can help you to create a plan that works for you, giving you peace of mind that you can enjoy in later life.

We can develop strategies for: Image

We can develop strategies for:

• Keeping control of your pension pot, taking an income or a combination of both • Managing a lifetime’s worth of pension pots, investments and cash accounts • Property ownership and how retirement will impact on this, whether re-paying mortgages, downsizing, re-assessing a property portfolio, releasing equity or leaving property in a Will

Pension schemes we can advise you on: Image

Pension schemes we can advise you on:

• Personal Pension • Self Invested Personal Pension (SIPP) • Small Self Administered Scheme (SSAS) • Executive Pension Plans • Previous Employer Pension Schemes • Stakeholder Pensions • Workplace Pensions

Tax Mitigation Strategies

Our specialist tax advisors work closely with you to make sure you’re maximising your investments and protecting your assets. We offer regular reviews and proactive advice following changes to tax legislation to make sure you are not missing tax savings or potential business issues.

Inheritance tax, capital gains tax, illness and loss of income all need to be considered in a protection strategy.

We can advise on:

  • Allowances & exemptions
  • Mitigating Capital Gains & Inheritance Taxes to protect more of your estate for the benefit of your loved ones
  • Tax-efficient investment wrappers to ensure your investments work hard for you
  • The various levies and taxes in the UK and abroad which may apply to you

Some forms of tax planning are not regulated by the Financial Conduct Authority.

Inheritance Tax and Estate Planning

Our estate and taxation specialists can help you plan how to leave wealth in a way that protects your wealth and maximises the value of your assets, to give you peace of mind and allow you to pass on more to those you love. With thresholds at £325,000 there are Inheritance Tax considerations to make and be aware of.

Our dedicated team can:

  • Review your current situation and help you with a strategy to manage your assets
  • Provide guidance on “gifting”, including use of trusts and lifetime transfers
  • Help with understanding the use of reliefs, exemptions and lower tax rates, including recent new reliefs such as the main residence nil rate band
  • Arranging adequate life assurance to cover potential inheritance tax liabilities

Trusts and some forms of tax planning are not regulated by the Financial Conduct Authority.

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Family Protection

The financial effects of death, a period of illness or serious injury are never easy topics to discuss, but providing for these eventualities can protect you and your family from financial difficulty. Our objective and personal approach to protection planning allows you to take comfort in the knowledge that everything has been taken care of.

We can review your situation and discuss what insurances you may need.

Family Protection Image

The following are insurances we can advise you on:

  • Term Assurance – cost effective, fixed-term life assurance e.g. used to pay off a mortgage upon death
  • Critical Illness Cover – pays money if you are diagnosed with any of the illnesses your policy covers (this insurance usually forms part of a wider insurance portfolio)
  • Income Protection – replaces lost income in the event you are off work through illness or injury
  • Whole of Life Insurance – this cover runs throughout your life and will pay out a benefit in the event of your death

Workplace Pensions and Auto Enrolment

We can help guide you through the workplace pension process and make sure your company complies with the rules in the most cost-effective way for your business.

We offer expert advice to ensure that you:

  • Have the most suitable pension scheme for your business
  • Meet all auto-enrolment responsibilities
  • Implement any compulsory changes as cost effectively as possible

What happens if I don’t comply?

Non-compliant businesses can face fines of up to £10,000 a day.

 

Your free report

We offer a free review for your business that outlines your responsibilities, what actions you need to take and when. We also review any existing workplace pension scheme you may have in place and advise on compliance.

 

Employee Benefits 

We understand that a comprehensive package of employee benefits can boost the morale of your workforce and help to retain key staff. These can include:

  • Pensions
  • Healthcare
  • Life Cover
  • Income protection

We will:

  • Perform a detailed review of your current benefits
  • Develop a strategy for the future benefits package
  • Present and provide workshops for your employees, answering their queries and explaining the rewards
  • Implement and monitor your plan, keeping you updated on tax and legislative changes

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Improving the lives of our clients

Quote Icon Wealth Management allows us to provide our clients with more advice that will improve their businesses and their lives.

Peter Gallanagh, Regional CEO

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Wealth Management Compliance

FCA Regulated Activity

Azets Wealth Management is a trading name of Azets Wealth Management Limited which is authorised and regulated by the Financial Conduct Authority. Azets Wealth Management Limited is a subsidiary of Azets Holdings Limited. Details of our status can be viewed on the FCA Register under our firm name or registered number 449016 https://register.fca.org.uk

Registered office: Bulman House, Regent Centre, Gosforth, Newcastle Upon Tyne, NE3 3LS. Company Number 05674020. A limited liability company incorporated in England. VAT number 880 3473 16. 

 

Wealth Management Complaint Handling

We aim to satisfy the requirements of all of our clients as efficiently as we can, but we do realise that at times things may go wrong. When they do, we will put them right as soon as possible.  If you wish to register a complaint, please write to Mark Parkinson at the above address or telephone on 0191 285 0321.

 

A summary of our internal complaints handling procedure for the reasonable and prompt handling of complaints is available on request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at www.financial-ombudsman.org.uk or by contacting them on 0800 032 8000.

 

Professional Indemnity Insurance

Azets Wealth Management Limited (01.03.2022 to 28.02.2023)

Insurers:

26.50% Aviva Insurance Ltd

20.000% Lloyd’s Syndicate 2121 (ARG)

16.6035% Chubb Global Markets Financial Lines

14.7586% XL Caitlin Insurance Company UK Ltd

9.2241% Great Lakes Insurance SE

7.3793% Allianz Global Corporate & Speciality SE

5.5345% Lloyds Syndicate AXIS 1686

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