Who are NT Wealth
We think that we are different
NT Wealth are a full-service Financial Advice Business who help their clients achieve financial success on a personal and on a business level.
NT Wealth has a Chartered Wealth Manager (Level 7) as a practice principal. We firmly believe that, with our alignment with Quilter Financial Planning, we have a market leading Investment proposition – At NT wealth we live and breathe Investment.
We have, as a business, over 30 years experience of financial services we have helped and managed clients through some very challenging market environments. Our background is fund management, investment management and financial advice. All this expertise gives us a fantastic foundation for manage our client's wealth.
NT wealth was created to help our clients benefit from our experience and expertise in financial services. We know that excellent client service is an industry cliché, we at NT wealth have a plethora of corporate experience that has helped us to develop first client experience strategies.
Many people think that wealth is just for the affluent, our thinking and beliefs is that wealth applies to everybody. We take clients through a journey of protecting your initial wealth, accumulate your wealth and ultimately move into decumulating your wealth.
We, as a company, are very passionate about the environment, we not only review investment exposures (ESG) but we careful scrutinise how we operate as a company.
NT Wealth Client Charter
Our values as a business
We help to tackle some important financial challenges – as a Coach, Navigator & Protector of assets.
We seek to understand you as a person and an investor.
We help you understand Pensions – they are so complex!
We assist to organise you & your finances and invest time in your financial affairs.
We offer you considerable technical expertise - To be comfortable with investment and fully understand your market exposures.
We conduct ourselves with a Fiduciary Mindset – we always act in our clients best interests.
We are your financial coach, financial educator and talk through decision making with you.
We are your Investor Behavioural Coach, we are here to offer emotional support when times are tough.
At NT Wealth we will always be contactable when times are tough and Investment markets are difficult.
Our Process
At NT Wealth we will have an initial conversation together to explore whether we are a good fit for each other. Once we decide that working together is the way forward we would meet up for a discovery meeting to find all about you, now, and where you would like to be with your finances. We may well have more than one discovery meeting as finding everything out about your situation is essential to the process. The next stages of the process involves a detailed analysis of your financial affairs and we would meet again with you to present our recommendations & their timeframe for implemention.
You will receive clear details on what the total fee is, the advice or service it relates to, how we’ve calculated it and when you need to pay. You are not obliged to implement any of our recommendations. However, we may still charge a fee for our advice.
UNDERSTANDING YOU
We’ll explore and research various scenarios to fully review your existing plans. We’ll then recommend how you can build on your existing plans so you give yourself the best chance of achieving your goals.
By gathering information from you we will find out about any plans you already have in place. Then by exploring your attitude to risk and return, and your hopes and aspirations, we will build a picture of what you want to achieve. At this stage you will find out what to expect from us and how you will benefit from using us. We do not usually charge a fee for this stage.
ANALYSIS & PLANNING
Like most of our clients, you will probably prefer us to do the necessary work to put your plan into action. We will work on your behalf with the provider or lender. This will save you a lot of time and effort and ensure your plans are set up correctly. We will charge you a fee for doing this, which we will explain to you. Alternatively, you may decide to implement our recommendations yourself, in which case we just charge you for our time and advice.
IMPLEMENTATION
REFINE
Nothing stands still, so it makes sense to check the progress and appropriateness of your plans regularly. We suggest you do this annually. This way you will find out if your plans are affected by changes to legislation or taxation. You will also hear from us if we have something that we feel will interest you.
Meet the NT Wealth team
David Ingham FCSI
Chartered Wealth Manager
David is a Chartered Wealth manager and financial adviser, who has worked in the financial services industry for over 30 years. During that time he has managed individuals, their families and businesses through some challenging and dramatic market cycles. David uses his extensive investment knowledge and experience to help his clients manage their risk and to stay with their financial plan, by managing them through their investment journey. In a fast-changing and complex financial world, risk management is an essential part of helping clients achieve their financial goals and aspirations.
After working at Barclays Private bank for 16 years and before that various stockbroking firms for 14 years, David’s focus is now on delivering wealth solutions to clients with dedicated, bespoke, holistic, quality financial advice with an emphasis on building long term trusted relationships with clients backed by the Financial Strength, expertise, experience and the vast resources of Quilter Financial Planning.
David can help you with such issues as: investing a lump sum, designing a retirement plan, estate planning and inheritance tax mitigation, dividing up pension entitlements on a divorce or separation, protecting your wealth against risk and providing a detailed financial health check for you or your business.
David looks forward to speaking with you, with a view to working together by understanding you, your goals, motivations and aspirations and ultimately designing a financial plan together.
Outside of his financial role David lives near Oldham, has a base in Ingleton and is a keen walker and enjoys cycling, following Manchester City, reading, learning Spanish, travelling, playing guitar and of course investment!
The value of pensions & investments and the income they produce can fall as well as rise. You may get back less than you invested. Estate Planning, Inheritance Tax Planning & Divorce Settlements are not regulated by the Financial Conduct Authority.