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Family Investment Companies: A Practical Guide for Families

 Guest Editor Posted in Guest Editor on 13.08.26 Read Guest post introduction

Guest article by Lizzie Walters, Partner at Roythornes Solicitors

Family Investment Companies (FICs) are increasingly discussed as part of longer-term family wealth and succession planning. But what exactly is an FIC, who might benefit from one, and how does it differ from a family trust?

For this guest article, I’m delighted to welcome Lizzie Walters, Partner at Roythornes Solicitors,...

Is overpaying your mortgage the right financial move?

 Fiducia Wealth Management Posted in Financial Planning on 05.08.26 Read If you’ve got a little spare money at the end of every month, what’s the best way to use it? Should you put it towards overpaying your mortgage or would a different option make more sense?

Most people taking out a mortgage choose a repayment option. Assuming you keep up with your repayments, you’ll own the property outright at the end of the term. It’s a milestone many families look forward to, so if...

Business owners: Selling your business isn’t the finish line

 Fiducia Wealth Management Posted in Financial Planning on 05.08.26 Read Selling your business is often a goal you’ve been working towards for years. But viewing it as the finish line, rather than the start of a new journey, could lead you to overlook steps that make the next chapter of your life more enjoyable. 

Entrepreneurs often find that their personal goals and finances become entwined with those of the business. So, once they exit the business, it might feel like starting...

Explained: When Inheritance Tax could apply to gifts

 Fiducia Wealth Management Posted in Tax Planning on 05.08.26 Read Gifting assets during your lifetime has become a common strategy for reducing a potential Inheritance Tax (IHT) bill. Indeed, according to Paragon Bank (31 July 2025), 1 in 5 savers aged over 65 are passing on cash for this reason. 

Yet, gifting doesn’t always mean that assets are excluded from your estate when calculating IHT, and there are a lot of misconceptions about when the tax could be...

Why updating your cashflow model is essential for staying on track

 Fiducia Wealth Management Posted in Financial Planning on 05.08.26 Read A cashflow model isn’t a one-off exercise. If you want to use it to inform your financial decisions, regular updates are essential.

A cashflow model is a visual representation of your wealth and how it might change in the future. While the result cannot be guaranteed, it could be a useful tool that helps inform your financial decisions.

Your financial planner will create your cashflow model by inputting data,...

The psychology behind investment mistakes

 Fiducia Wealth Management Posted in Financial Planning, Investing on 05.08.26 Read Have you ever made an investment mistake? Looking back at what led to the mistake could help you identify potential triggers that might prevent you from repeating the error. 

When you first think about why an investment decision was “bad”, the lower-than-expected investment returns may be what comes to mind. As you contemplate what led to your decision, you might link it to a lack of information or factors...

Can I Retire with £350,000 in investments and pensions? How Cashflow Planning Can Help

 James Crisell, Financial Adviser Posted in Pensions & Retirement on 14.07.26 Read

Can I Retire with £350,000 in investments and pensions? How Cashflow Planning Can Help 

One of the most common questions we hear is, “Do I have enough to retire?” Sadly, there is not a singular figure that works for everyone. Each person’s preferences for retirement are different, some want to travel whilst they can, others are happy working on their garden, some want to retire as soon as possible, others can...

Why spotting a financial scam could be harder than you think

 Fiducia Wealth Management Posted in Financial Planning on 05.08.26 Read Most people are confident they could spot a scam if they were targeted. However, it could be more difficult than you think, especially as fraudsters are increasingly using sophisticated techniques to mislead victims. 

According to a survey from Which? (7 April 2025), 9 in 10 people believe they could identify a scam email or text. Yet, it only takes a single oversight to become a victim. 1 in 7 people say...

Guide: The pros and cons of investing in buy-to-let

 Fiducia Wealth Management Posted in Fiducia News on 08.07.26 Read Investing in buy-to-let property can provide a steady rental income, helping supplement your retirement fund or form part of the legacy you leave for loved ones.

Statistics published by the government (29 August 2025) confirm that there were around 2.86 million private landlords in the UK in 2023/24.

Since then, the property landscape has changed, with the introduction of the Renters’ Rights Act 2025 and...

5 fascinating medieval monuments for history buffs to visit

 Fiducia Wealth Management Posted in Financial Planning on 08.07.26 Read Nearly 1,000 years after it was made, the Bayeux Tapestry is set to return to England for the first time. 

This world-famous tapestry depicts events leading up to the Battle of Hastings and the Norman conquest in 1066, and is an incredible 70 metres long. 

The tapestry is being loaned to the British Museum between September 2026 and July 2027. Its permanent home is the Bayeux Tapestry Museum in Normandy,...

Impact investing: How does it differ from traditional investment strategies?

 Fiducia Wealth Management Posted in Investing on 08.07.26 Read When you make an investment on the stock market, your usual aim is to make a good financial return. While you might avoid certain companies you believe are unethical or risky, in general, the primary focus is on profit. 

Impact investing is a slightly different concept. The aim of these investments is to deliver a positive, measurable social or environmental impact, as well as generating a financial return. So,...

Life insurance v family income benefit: Which is right for your family?

 Fiducia Wealth Management Posted in Financial Advice, Investing (+1 more), on 08.07.26 Read You no doubt want to protect your loved ones against life’s twists and turns. For many families, that includes shielding their finances from the worst-case scenario – the loss of a family member.

While suitable financial protection could provide a reassuring safety net, the options can be daunting. As a result, it’s not uncommon for people to put off organising cover until it’s too late or take out...

4 practical reasons to regularly contribute to your child’s pension

 Fiducia Wealth Management Posted in Pensions & Retirement on 08.07.26 Read In a bid to pass more wealth to their loved ones, a growing number of families are opening pensions for their children. Whether your child is still in nursery or already working their way up the career ladder, there could be benefits to making pension contributions on their behalf. 

According to an article in the Telegraph (13 June 2026), pension providers have noticed an uptick in the number of pensions opened...

How a cashflow model could provide clarity about your retirement income

 Fiducia Wealth Management Posted in Pensions & Retirement on 08.07.26 Read Having a reliable income in retirement could give you the freedom to create a lifestyle you enjoy and achieve those bucket-list goals you’ve dreamed about for years. 

In a 2023 survey by Legal & General, 94% of UK adults said their most important retirement dream is to feel financially secure for the rest of their lives.

However, working out what your income might look like many years from now can be complex....
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