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News

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7 things you need to know before you use equity release

Fiducia Wealth Management Posted in Financial Planning on 08.04.25 Read Your home may be one of the largest assets you own, and unlocking property wealth using equity release could significantly boost your funds later in life. 

According to the Equity Release Council, in the final quarter of 2024, homeowners withdrew around £622 million from their homes. The average person withdrawing a lump sum for the first time received £115,243.

A cash boost of that size might mean you’re...

4 reasons to remain calm amid market volatility and uncertainty

Fiducia Wealth Management Posted in Fiducia News on 08.04.25 Read Geopolitical tensions have led to a bumpy start to 2025 for investors. If you’re worried about volatility and what it might mean for your long-term finances, there are reasons to remain calm despite the uncertainty. 

The ongoing war in Ukraine has resulted in some anxiety in Europe, with the UK and other countries committing to increasing defence spending. In addition, the new Trump administration in the US...

The AI technology that means you need to be vigilant for scams more than ever

Fiducia Wealth Management Posted in Fiducia News on 08.04.25 Read AI technology is presenting lots of opportunities for businesses to improve efficiency, but it’s also being used by scammers. To protect your assets, it’s more important than ever that you’re vigilant and aware of how criminals might target you. 

While you might think of scams as being rare, they could be more widespread than you think. According to Citizens Advice data released in October 2024, around 1...

Why an effective financial plan might involve spending more

Fiducia Wealth Management Posted in Financial Planning on 08.04.25 Read When people think about financial wellbeing, they often link it to frugality or building wealth. Yet, an effective financial plan isn’t always about that, sometimes, it might make sense to spend more.

It can be difficult to get your head around. After all, as a child, you’re often taught that being sensible with money means putting it in a savings account rather than spending it. Yet, this approach only...

How much do you need to be “wealthy”?

Fiducia Wealth Management Posted in Wealth Management on 08.04.25 Read Wealth is often associated with financial abundance. However, when you look at the things that bring you joy and give you purpose, it might not be the value of your assets.

Indeed, a February 2025 report from HSBC suggests the younger generation is less likely to define wealth by how much they have in the bank. It’s an approach that may help you identify what’s most important to you.

It’s not a new trend...

Financial protection: How it could help you bridge an income gap

Fiducia Wealth Management Posted in Financial Planning on 08.04.25 Read You don’t know what’s around the corner, but that doesn’t mean you can’t prepare for it.

A financial shock could derail your short- and long-term plans and might mean you face additional stress at an already difficult time. So, creating a financial safety net that you can rely on should the unexpected happen could offer you peace of mind. 

Over the next few months, you can read about how financial...

Investment market update: February 2025

Fiducia Wealth Management Posted in Financial Advice on 17.03.25 Read After reading headlines throughout February, you might be expecting a gloomy investment outlook. Yet, despite threats of trade wars and uncertainty around the world, there were market highs. Read on to find out more about some of the factors that influenced investment markets. 

As investment markets are experiencing volatility, it’s perhaps unsurprising that some investors sought the “safe haven” of gold....

3 ways your property could be taxed as a homeowner

Fiducia Wealth Management Posted in Tax Planning on 17.03.25 Read The UK property market has been a source of frustration, and the Labour government has identified the sector as a major barrier to economic growth. One of the areas that may be reviewed is how property is taxed.

Indeed, the Institute for Fiscal Studies suggested tax is damaging the housing market in a December 2024 podcast. 

For aspiring homeowners, soaring property prices mean many are struggling to save the...

How to reduce your Capital Gains Tax bill in 2025

Fiducia Wealth Management Posted in Tax Planning, Capital Gains Tax on 17.03.25 Read A combination of rising rates and panic ahead of the current government’s first Autumn Budget has led to HRMC collecting a record amount in Capital Gains Tax (CGT) towards the end of 2024. 

According to a report in the Telegraph, between July and November 2024, CGT generated more than £1 billion for the government – more than a £200 million increase when compared to the same period in 2023. 

The rise in...

The potential perils of accessing your pension at 55

Fiducia Wealth Management Posted in Pensions & Retirement, Company Pensions (+2 more), on 17.03.25 Read Reaching the minimum pension age and being able to access your retirement savings might mean new possibilities opening up. You may start thinking about giving up work, withdrawing a lump sum to pursue a goal, or using your pension to boost your regular income.  

It’s an exciting time, but it’s also important to evaluate your decisions and consider how they could affect your long-term plans. Indeed, spending...

3 retirement financial shocks that could affect your finances

Fiducia Wealth Management Posted in Financial Advice, Pensions & Retirement on 17.03.25 Read Those who have retired or are nearing the milestone are consistently overlooking the risk of financial shocks when compared to other generations, a survey published in PensionsAge in December 2024 suggests.  

According to the report, 43% of over-50s had thought about financial shocks but not included the risks in their retirement plan. A further 32% haven’t considered risks at all. 

Later in life, you might...

Why ongoing financial advice could ease your mental load

Fiducia Wealth Management Posted in Fiducia News on 17.03.25 Read Handling finances is a part of life and something that most people do, but that doesn’t mean it isn’t stressful. Indeed, many people don’t feel confident making financial decisions, and financial advice could ease their mental load.

Even when you’re relatively comfortable, managing your finances can be a cause of concern. Indeed, you might find it even more stressful as you may be considering how to...

The property market insights that may help you sell your home quicker

Fiducia Wealth Management Posted in Fiducia News on 07.02.25 Read Are you planning to sell your home this year? Understanding property market trends and what prospective buyers are looking for could help you sell your home quicker and potentially secure a better price.

Read on to discover some of Zoopla’s key findings after analysing 2024 data. 

August was the most popular month for moving 

Summer is often the busiest period in the property market, so it’s no surprise...

Is your estate worth more than £2 million? Your Inheritance Tax liability could be higher than you expect

Fiducia Wealth Management Posted in Fiducia News on 07.02.25 Read Often dubbed the “most hated tax” in the media, Inheritance Tax (IHT) is a tax on your estate when you pass away, which could reduce how much you leave behind for family and friends. If your estate is worth more than £2 million, the potential IHT bill might be higher than you expect. Read on to find out why.

Frozen thresholds mean the number of estates liable for IHT is on the rise. Indeed, according to a...

Business owners: 5 reasons you could benefit from saving into a pension

Fiducia Wealth Management Posted in Fiducia News on 07.02.25 Read Building a business can be exciting and rewarding, and it might play a key role in ensuring you’re financially secure now and in the future. Yet, focusing all your attention on your business could mean you miss alternative ways to provide security later in life, including overlooking a pension. 

Indeed, according to a January 2024 report in This Is Money, around half of business owners aren’t regularly...

State Pension: Everything you need to know in 2025/26

Fiducia Wealth Management Posted in Fiducia News on 07.02.25 Read For many pensioners, the State Pension provides a foundation to build their retirement income. Whether you’re already claiming the State Pension or it’s still some years away, here’s what you need to know in 2025/26. 

In the 2025/26 tax year, you can claim the State Pension from the age of 66. However, the age will gradually start to increase from 6 May 2026 to 67, and it’s expected to rise further in...

5 ways financial planning could help you emotionally prepare for retirement

Fiducia Wealth Management Posted in Fiducia News, Pensions & Retirement on 07.02.25 Read While financial challenges often come up when those nearing retirement are asked about their concerns, emotional obstacles could be just as important. A financial plan might include looking at areas like your pensions and investments, but it could help you emotionally prepare for retirement as well.

Here are five ways a financial plan could improve your wellbeing and confidence when you retire. 

1. Financial...

Looking beyond the numbers when using a cashflow model

Fiducia Wealth Management Posted in Fiducia News on 07.02.25 Read A cashflow model is a valuable tool that lets you understand how the value of your estate and individual assets might change in the future. But, to get the most out of it, you need to look beyond the numbers. 

A cashflow model provides a graphical representation of all your assets, such as investments, property and pension, as well as income, expenditures and debt. It forecasts how each of these will change over...

Master Inheritance Tax Rules and Safeguard Your Legacy

Fiducia Wealth Management Posted in Financial Planning, Residential Nil Rate Band (+10 more), on 04.07.24 Read In the complex world of UK taxation, understanding gifting rules is key strategy for effective succession planning and managing Inheritance Tax (IHT) liabilities.  

This article delves into the UK gifting rules, with a special focus on Potentially Exempt Transfers (PETs) and regular gifts from excess income. 

 

The Basics of UK Gifting Rules 

Under current UK law, Inheritance Tax is typically charged at 40%...

Using Equity Release in Retirement

Fiducia Wealth Management Posted in Financial Planning, Equity Release (+4 more), on 21.07.24 Read

Please Note: We are not mortgage professionals, which is a separate profession in its own right and only some of them advise on Equity Release. Therefore, this article is not intended as advice and should not be acted upon as such. Instead, we can refer you to suitably experience and qualified professionals who we can work with to tailor your financial plan.  

Your home is likely one of your largest assets....

Paying Off Mortgage Faster By Overpaying

Fiducia Wealth Management Posted in Financial Planning, Financial Advice (+1 more), on 14.07.24 Read Paying off your mortgage can enable you to reduce work commitments, gain greater flexibility with retirement goals and remove what can be an emotional burden. This article looks at ways of accelerating mortgage repayment and the benefits of doing so.  

 

Benefits of Paying Your Mortgage Off Early 

Getting mortgage-free faster has several appealing advantages: 

 

Pay less interest over the loan term – 10...

Succession Planning: Ensuring a Smooth Transition for Your Property Portfolio in the UK

Fiducia Wealth Management Posted in Financial Planning, Residential Nil Rate Band (+11 more), on 04.07.24 Read In the UK, property ownership is a significant component of many individuals’ portfolios, so it is essential to have a well-thought-out strategy in place to ensure a smooth transition while minimising the potential tax burden.  

Inheritance Tax (IHT) is a key consideration in this process, and not planning ahead can result in significant financial implications for your beneficiaries.  

In this article, we...

Managing Finances as a One-Person Business

Fiducia Wealth Management Posted in Corporation Tax, Financial Planning (+6 more), on 05.07.24 Read A “solopreneur” has to wear many hats. Successfully juggling all the accounting, tax, banking, and cash flow elements is critical. This guide covers key financial tools and tips for effectively managing the money side of a one-person UK business. 

 

Choosing the Right Business Structure 

Your business structure impacts everything from legal liability to taxes, so picking the right one is key: 

Sole Trader

Reducing Your Tax Burden: Tax Planning Strategies for Business Owners

Fiducia Wealth Management Posted in Financial Planning, BPRA (+7 more), on 28.06.24 Read For business owners in the UK, taxes can often be one of the largest expenses incurred. From corporate tax, to VAT, to personal income tax and National Insurance contributions, the various tax liabilities can quickly add up to a sizable amount every year. That’s why it’s absolutely essential for business owners to take advantage of legitimate tax planning strategies and deductions to minimise their tax payment...

Financial Advice for Property Investors?

Fiducia Wealth Management Posted in Financial Planning, BPRA | Inheritance Tax | Fiducia Wealth Management (+4 more), on 10.06.24 Read

Personal financial planning entails the development of a plan to meet your financial objectives, such as gaining the ability to retire at a certain age, protecting against morbidity and mortality risks or succession planning.  

Who Needs Personal Financial Advice?  

While everyone can potentially benefit from professional financial advice, it is particularly valuable during major life transitions and...

Should You Pay for Financial Advice?

Fiducia Wealth Management Posted in Financial Planning, Wealth Management on 21.06.24 Read Seeking professional financial advice is often a worthwhile investment for your money. While it does involve fees, the potential benefits tend to outweigh the costs. What are those benefits? 

 

Gain Expertise  

A financial adviser brings specialised knowledge and experience to the table. They stay up-to-date on changing tax laws, pension rules, investment products and more. Their expertise can help you...

How to Save More Money Each Month

Fiducia Wealth Management Posted in Financial Planning, Financial Advice (+3 more), on 14.06.24 Read Building your wealth takes consistent effort, but regular investing is one of the best things you can do to secure your financial future. Whether saving for an emergency, down payment, or investing for retirement, finding ways to save a little more each month makes for a significant long-term impact.

Follow these practical strategies to increase your monthly savings. 

 

Review and Reduce Household Expenses 

How to Consolidate Multiple Pensions

Fiducia Wealth Management Posted in Financial Planning, Financial Advice (+6 more), on 07.06.24 Read Over a career it is common to accumulate multiple pensions with different employers and providers. Multiple pension policies increase personal administration and make retirement planning challenging to monitor.  

This guide will walk through the consolidation process and key considerations when combining your UK pensions. 

Why Consolidate Your Pensions? 

There are several advantages to consolidating multiple...

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As an Independent Financial Adviser (IFA) Fiducia Wealth Management provides first class financial and investment advice from our offices in Dedham, near Colchester on the Essex Suffolk border and in Chelmsford, Essex. Fiducia Wealth Management Ltd is authorised and regulated by the Financial Conduct Authority. This site is for information only, and does not constitute financial advice.

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