We are delighted to announce that Fiducia has received the prestigious Money Marketing Award for Best Small Company IFA, recognising our combination of outstanding in-house investment management and a high-quality financial planning service which…
Financial Guides & Case Studies
Fiducia Wins National Award
Long Term Care Funding Reforms Announced
On 11 February 2013 the Government announced major care fees funding reforms. Here we explore the proposed changes and how they will affect long term care planning.
Negotiating the Long Term Care Maze
We are an ageing population. Between 1985 and 2010, the over-65 UK population increased by 20% to 10.3 million (source: Office for National Statistics). For many of us, and our parents, long term care will become a significant expense as life expectancy…
The What, Why, When, Where and Who on NEST
Many companies are beginning to wonder what all the fuss is about with regards to NEST. Fiducia are happy to set out in simple, clear and understandable language the pertinent details of this scheme, and what companies need to consider.
Year End Planning: Tax
Inheritance Tax (IHT) The draft Finance Bill clauses released in December confirmed that the IHT nil rate band will be index-linked to the Consumer Prices Index…from 6th April 2015. Until then the…
Year End Planning: Pensions
Pension Contributions This is the first tax year-end in which the new £ 50,000 annual allowance and carry forward rules need to be taken into account when planning year-end pension…
Year End Planning: Investments
Individual Savings Accounts (ISAs) The standard ISA contribution limit for 2011/12 is£ 10,680, of which up to £ 5,340 may be placed in a cash ISA. For the recently launched…
Case Study: Protecting the Family
Family Protection Background Danny, aged 35, owns his own website design business and is married with a young family. He was referred to us by his father, an existing client,…
Case Study: Pensions & Divorce
Pensions and Divorce Background Our client Alice, aged 52, was referred to us following her recent divorce. She had been awarded a pension sharing order from her ex-husband’s pension scheme…
Long Term Care Provision
Long-term care: The Latest Government Report A report into funding the cost of long-term care,commissioned by the coalition government shortly after coming into office, was published in July. If you…