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How to plan for retirement as a small business owner

 Fiducia Wealth Management Posted in Pensions & Retirement on 07.04.26 Read Research suggests that many small business owners and self-employed workers aren’t prioritising their retirement and could face uncertainty later in life as a result. However, opening a pension could benefit both you and your business. 

According to an article from Which? (1 March 2026), people who have spent most of their working life as self-employed are three times more likely not to have a private...

7 timeless financial planning lessons you can discover in classic Greek myths

 Fiducia Wealth Management Posted in Fiducia News on 07.04.26 Read As Christopher Nolan’s much-anticipated new film, The Odyssey, is due to hit cinemas in the coming months, we can expect a resurgence in interest in the classical Greek myths. 

Telling the story of Odysseus’s journey home after the battle of Troy, the film brings Homer’s epic poem to the big screen. The hero faces a multitude of challenges along the way, clashing with sea monsters, Sirens, the Cyclops, and...

5 ways a cashflow model could support your estate plan

 Fiducia Wealth Management Posted in Financial Planning on 07.04.26 Read Deciding how you’d like your assets to be managed later in life and after you pass away may be intimidating. However, a cashflow model could help you answer both financial and emotional questions, so you’re in a better position to tackle your estate plan. 

According to a survey conducted by Aegon (5 March 2026), 1 in 3 UK adults has done nothing to prepare for death. Even among adults who have taken steps to...

What past market volatility has taught us about investor behaviour

 Fiducia Wealth Management Posted in Investing on 07.04.26 Read The current situation in the Middle East has led to market volatility. While it might seem new, similar movements have happened before, and looking at how these events have affected investor behaviour could be useful.

At the end of February 2026, the US and Israel launched strikes on Iran, which have further escalated. The uncertainty caused by the war has affected market confidence, leading to falling prices.

Investment market update: February 2026

 Fiducia Wealth Management Posted in Investing, Market Commentary on 17.03.26 Read In February 2026, ongoing uncertainty around trade tariffs and concerns about the impact of AI adoption on business profits affected the markets. Read on to discover some of the factors that may have affected your investment portfolio. Markets reached record highs but were affected by AI concerns and trade tariffs 

The FTSE 100, an index of the largest companies listed on the London Stock Exchange, was off to a...

5 ways to keep learning throughout retirement

 Fiducia Wealth Management Posted in Pensions & Retirement on 17.03.26 Read For most of our lives, education is often a means to an end. It’s how we gain qualifications, prepare for work, and advance in our careers.

But learning new skills and knowledge can also deliver numerous benefits in retirement. It can often be enjoyable and create opportunities to socialise, while helping to keep your mind active and potentially improve your overall wellbeing in later life.

However, studies...

The Capital Gains Tax essentials you need to know

 Fiducia Wealth Management Posted in Tax Planning on 17.03.26 Read The amount of Capital Gains Tax (CGT) investors collectively pay is set to soar over the next six years.

According to a Telegraph article (11 December 2025), the Office for Budget Responsibility (OBR) has adjusted its estimate for how much will be raised through taxes, including CGT.

The OBR now predicts revenue from CGT will reach £114 billion between the 2025/26 tax year and 2029/30 – an increase of £6...

Explained: Why your pension could become liable for Inheritance Tax

 Fiducia Wealth Management Posted in Inheritance Tax, Pensions & Retirement on 17.03.26 Read Next year, a significant change to how pensions are treated when calculating Inheritance Tax (IHT) could mean more families become liable for the tax. Here’s what you need to know to understand if your estate could be affected and how you might mitigate a potential bill. 

Currently, pensions are usually outside your estate for IHT purposes. As a result, your pension might provide a tax-efficient way to pass on...

The positive psychology of clear financial goals

 Fiducia Wealth Management Posted in Financial Planning on 17.03.26 Read A survey has identified an “ambition gap” in the UK, with millions of adults admitting they have no financial aspirations for the coming year. Not only can a clear goal mean you’re more likely to achieve your aspirations, but it can also have a positive effect on your wellbeing.

The article in IFA Magazine (13 January 2026) suggests 21% of UK adults haven’t set a financial goal for 2026, and 24% said they...

Is Your Estate Heading for an Unexpected Inheritance Tax Bill?

 Gordon Kearney, Managing Director & Financial Adviser Posted in Inheritance Tax on 20.02.26 Read

 

Quick Answers

What is the inheritance tax threshold in 2026?

The nil-rate band remains frozen at £325,000. If you own a home and are leaving it to children or grandchildren, you may also qualify for the residence nil-rate band of £175,000, giving a potential individual threshold of £500,000. Married couples and civil partners can combine allowances, potentially passing on up to £1 million IHT-free in the...

The money lessons you can teach children at every stage to boost their financial literacy

 Fiducia Wealth Management Posted in Financial Planning on 29.01.26 Read Financial literacy was first introduced into the national curriculum back in 2014, aimed at children aged between 11 and 16. 

However, the delivery was inconsistent, as the requirement wasn’t mandatory across all schools. 

Now, as part of a curriculum assessment, a stronger approach to financial literacy lessons is being adopted. From 2028, this education will be mandatory in primary schools, reinforced at...

6 in 10 over-45s are underestimating the cost of care by thousands of pounds

 Fiducia Wealth Management Posted in Financial Planning on 29.01.26 Read Brits could face a worrying shortfall if they need care later in life. A report from the Just Group (8 December 2025) suggests that 6 in 10 over-45s are underestimating the cost of a care home by thousands of pounds. 

Industry figures suggest average residential care home fees are almost £66,500 a year. However, 60% of over-45s believe the annual cost would be less than £60,000, with 28% underestimating the...

The power of pension tax relief and how it could boost your retirement income

 Fiducia Wealth Management Posted in Financial Planning, Pensions & Retirement on 29.01.26 Read If you’re saving for retirement, you will want to get the most out of what you’re putting into your workplace or private pension. 

Fortunately, there are plenty of tax efficiencies when you save your wealth into a pension.

Indeed, any investment returns generated within your fund are typically free from Income Tax and Capital Gains Tax. 

Better yet, you can also receive tax relief on your contributions,...
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