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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,...

How a financial plan could help you feel in control following a divorce

 Fiducia Wealth Management Posted in Financial Planning on 29.01.26 Read Going through a divorce is difficult, and it’s normal to experience a loss of control. It can be tempting to turn away from difficult topics, such as those relating to your finances, because they feel overwhelming. However, tackling them head-on could help you regain your confidence and offer clarity about your future. 

If you’re recently divorced, here’s why you might want to make your financial plan a...

3 insights from the FTSE 100’s performance that could help you curb impulsive decisions

 Fiducia Wealth Management Posted in Financial Planning on 29.01.26 Read Despite ups and downs throughout the year, 2025 proved to be a great year for the FTSE 100 – an index of the 100 largest companies listed on the London Stock Exchange. 

According to the Guardian (31 December 2025), the FTSE 100 increased in value by a fifth in 2025, marking the strongest annual gain since 2009. When markets closed on New Year’s Eve 2025, the index was up 21.5% compared to where it was at the...

The new year financial resolution you will keep

 Fiducia Wealth Management Posted in Financial Planning on 29.01.26 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. 

The new year is a time when we take a moment to take stock. To review what we want from life, and the year ahead in particular. Very often...

Why business owners may want to consider a pension alongside their exit strategy

 Fiducia Wealth Management Posted in Pensions & Retirement on 07.01.26 Read When you’re building a business, you might have little time to think about other aspects of your long-term finances. However, overlooking your pension in favour of your business could leave you in a difficult situation when you want to retire.

According to a survey carried out by think tank the Social Market Foundation (12 August 2025), just 20% of self-employed workers save into a pension, compared to 78% of...

Gifting to reduce an Inheritance Tax bill? Here are 5 things to check first

 Fiducia Wealth Management Posted in Inheritance Tax on 07.01.26 Read In the Autumn Budget 2025, the chancellor announced that Inheritance Tax (IHT) thresholds would remain frozen for a further year, until 2031. 

Upcoming changes will also see unused pensions included in an estate for IHT purposes for the first time from April 2027. 

These measures could see estates facing a larger IHT liability, or coming into the scope of IHT when they may previously have been exempt.

Research...

2 reasons to combine your financial plan with your partner’s

 Fiducia Wealth Management Posted in Financial Planning on 07.01.26 Read Love is in the air with Valentine’s Day just around the corner. Amid planning romantic gestures, thinking about combining your financial plan with your partner’s could be valuable.

Talking about finances might seem too practical for a day that’s about celebrating love. Yet, it could support your relationship. Here are two reasons why you might want to create a single financial plan with your partner.

1....

How much should you contribute to your pension?

 Fiducia Wealth Management Posted in Pensions & Retirement on 07.01.26 Read A third of people don’t know how much they need to contribute to their pensions every year to create a comfortable retirement, according to a MoneyAge article (11 November 2025). 

Striking the right balance with pension contributions is important. Contribute too little, and you could leave yourself short in retirement. If you contribute as much as possible to your pension now, you might miss other goals or...

7 ways financial planning could help you set realistic goals

 Fiducia Wealth Management Posted in Financial Planning on 07.01.26 Read As 2026 begins, it’s a good time to think about what you want to achieve in the coming months. A tailored financial plan can help you set realistic goals.

Creating goals on your own can be challenging, especially if they bring together several different parts of your financial plan or have a long-term time frame. If you’re overly ambitious, it can be disheartening if you don’t reach the target you’ve set....

The importance of value and wellbeing when making financial decisions

 Fiducia Wealth Management Posted in Financial Planning on 07.01.26 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. 

Sometimes, when we make major financial decisions, the question of money must come first. Specifically: “Can I afford it?” and “Is it...

Developments in Dedham: A Review of the Year

 Fiducia Wealth Management Posted in Fiducia News on 16.12.25 Read It’s been an eventful and rewarding year at Fiducia — a year marked by professional milestones, team growth, community impact and continued recognition from our clients. As we look back, we’re proud of the progress made and grateful for the support of our colleagues, clients, and local partners. Here’s a round-up of the key developments from across the business. Chartering a Milestone


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