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News

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How cashflow planning turns numbers into possibilities

Fiducia Wealth Management Posted in Financial Planning on 05.12.25 Read When you’re making financial decisions, it can feel like you’re faced with indecipherable numbers. You might know how much you have in your bank account or pension, but what does the figure mean for your future? Cashflow planning can turn the numbers into possibilities. 

If you feel uncertain about your future after looking at numbers on a spreadsheet, read on to see how cashflow planning could help. 

Not...

Why your most important goals could trigger financial bias

Fiducia Wealth Management Posted in Financial Planning on 05.12.25 Read Biases affect how you act, and the personal goals you’re working towards could distort how you perceive risk, rewards, and information. Indeed, the more important the goal is to you, the more likely it is that bias occurs. 

Being aware of when bias might occur – and what might trigger it – could help identify when it may be affecting your decisions. Read on to find out more about the relationship between...

Pension v Lifetime ISA: What’s the best way to save for your retirement?

Fiducia Wealth Management Posted in Pensions & Retirement on 05.11.25 Read

When you start searching for the best ways to build a retirement fund, private pensions might be the first option that comes to mind. 

However, they’re not the only way you can prepare for your life after work. An alternative is the Lifetime ISA (LISA) – a government-backed savings account.

While you might assume you can only use a LISA to purchase your first home, this isn’t its only purpose. 

In fact,...

Insufficient financial education could harm the long-term prosperity of younger generations

Fiducia Wealth Management Posted in Fiducia News on 05.11.25 Read

You may be diligently saving a nest egg for children or grandchildren. Yet, without financial education, your efforts might not be as useful as you expect.

Research suggests many children aren’t receiving sufficient financial education at school, leaving them ill-equipped to manage their finances as adults.

Financial education was added to the national curriculum in secondary schools in 2014. However, more than...

Investment market update: October 2025

Fiducia Wealth Management Posted in Fiducia News on 05.11.25 Read

October 2025 proved to be a positive month for many investors, with markets reaching record highs. Read on to find out more about what factors may have affected your portfolio’s performance.

Remember to take a long-term view when assessing your investments and consider your risk profile when making decisions. 

Markets experienced record highs, but investor uncertainty continued to have an effect

The month...

How financial planning could give you the confidence to spend more

Fiducia Wealth Management Posted in Financial Planning on 05.11.25 Read

The importance of saving is drummed into us from a very early age. As a child, for example, you may have had a moneybox and been encouraged to save your spare coins. 

As you get older, this extends into saving for university, saving up for a house, saving for retirement, and so on. 

But what about spending? While looking after your financial future is indisputably important, so is taking care of your financial...

Venture Capital Trusts: Why higher-rate taxpayers might want to invest in them

Fiducia Wealth Management Posted in Fiducia News on 05.11.25 Read

For some investors, particularly higher-rate taxpayers, Venture Capital Trusts (VCTs) could offer an attractive and tax-efficient investment prospect. Read on to discover the basics you need to know if you’re thinking about making VCTs part of your financial plan. 

VCTs are listed companies that invest in UK businesses. These are typically smaller and younger firms than those you might access through other...

Phasing into retirement: The emotional and financial benefits

Fiducia Wealth Management Posted in Financial Planning, Pensions & Retirement on 05.11.25 Read

Last month, you read about how retirement is changing, with almost half of workers aged over 50 exploring phasing into retirement. There are plenty of reasons why more people are considering a gradual retirement, including the emotional and financial benefits this option could offer.

A gradual retirement could help you retain a sense of purpose and social life

When thinking about retirement challenges, most...

How pension and Inheritance Tax policy changes could affect your legacy

Fiducia Wealth Management Posted in Inheritance Tax on 25.09.25 Read From April 2027, pensions are expected to fall within your estate and could be liable for Inheritance Tax (IHT). That date might seem far away, but the policy change has the potential to significantly affect your estate plan, so thinking about it now could be useful.

While the policy change is still in the initial stage, the government has signalled that it intends to move forward with the plans.

Under current...

Why the Labour government could reform the State Pension and what it means for you

Fiducia Wealth Management Posted in Pensions & Retirement, State Pension on 25.09.25 Read Almost half of Brits doubt the State Pension will exist by the time they retire, according to a PensionsAge report published in July 2025. While scrapping the State Pension may not be on the cards yet, there are suggestions that significant changes, which may affect your retirement, could be introduced.

In 2025/26, the full new State Pension is £230.25 a week and can be claimed from age 66. Even though the State...

5 challenges a financial midlife MOT could help you overcome

Fiducia Wealth Management Posted in Financial Planning on 25.09.25 Read Your midlife can be an exciting time; you may have ticked off some goals or bucket list items and are looking forward to what the future holds. Yet, it might also present some new challenges. Arranging a financial midlife MOT could help you overcome obstacles and feel confident as you prepare for the next chapter.

While you might have a better understanding of what you want to get out of life than when you were...

3 ways behavioural bias could affect your approach to estate planning

Fiducia Wealth Management Posted in Wealth Management on 25.09.25 Read Financial biases are often linked to investing. However, subconscious tendencies can affect many aspects of your finances, including your estate plan.

An estate plan sets out how your assets will be managed during your lifetime and distributed after your death. It might include writing a will or creating a trust to provide for young children.

As estate planning can be emotional, it’s not surprising that...

Planning for care: How to set out your wishes

Fiducia Wealth Management Posted in Long Term Care on 25.09.25 Read Planning for the possibility of needing care can be daunting, but it also provides you with a sense of control and a chance to set out what your wishes would be.

Over the last few months, you’ve read about why preparing a care plan is important and the potential costs of funding care later in life. Now, read on to find out how you can make your wishes known.

1. Plan a meeting with your loved ones to discuss...

The 3 steps to achieving financial wellbeing

Fiducia Wealth Management Posted in Financial Planning on 25.09.25 Read This guest blog was written by Chris Budd, who wrote the original Financial Wellbeing Book as well as The Four Cornerstones of Financial Wellbeing. He founded the Institute for Financial Wellbeing and has written more than 100 episodes of the Financial Wellbeing Podcast.

This is an extract from Chris Budd’s book The Four Cornerstones of Financial Wellbeing.

I would suggest that there are three steps to...

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...

How cashflow modelling can act as an early warning system for financial shocks

Fiducia Wealth Management Posted in Financial Planning on 17.03.26 Read

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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