Wealth Management & Wealth Preservationaward-winning financial advice from the heart of constable country
Susie Laws, Senior Financial Adviser
Posted in Pensions & Retirement on 13.04.18
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Pensioners embracing the benefits of retirement and new-found time
As with any new life stage, planning often helps a smooth transition from the old to the new. Preparing properly for anything new requires planning and commitment. Spending time on planning now will ensure you enjoy the retirement you’ve worked hard to achieve.
Gordon Kearney, Director and Financial Adviser
Posted in Fiducia News, Investing on 13.04.18
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Don’t let current global uncertainties affect your financial planning
It’s important not to let current global uncertainties affect your financial planning for the years ahead. People who stop their investment planning, particularly during market downturns, often miss out on opportunities to invest at lower prices.
Gordon Kearney, Director and Financial Adviser
Posted in Inheritance Tax on 04.04.18
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Reducing Inheritance Tax means taking action now
Without professional advice and careful financial planning, HM Revenue & Customs (HMRC) can become the single largest beneficiary of your estate following your death.
Gordon Kearney, Director and Financial Adviser
Posted in Financial Advice, ISA's (+3 more), on 15.03.18
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Taking control over where your money is invested tax-efficiently
A new tax year is nearly upon us – and that means for all diligent savers and investors, you should make sure that you take full advantage of your current Individual Savings Account (ISA) tax-efficient allowance.
Daniel Kern, Senior Financial Adviser
Posted in Fiducia News, Financial Advice (+1 more), on 08.03.18
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Getting your affairs in order and planning what you want to pass on to loved ones
Writing a will may seem daunting, and with everything else we should be thinking about it becomes just another chore on the to-do list. It’s especially important for cohabitating couples to have a will, as the surviving partner does not automatically inherit any estate or possessions left behind.
Daniel Kern, Senior Financial Adviser
Posted in Fiducia News, Financial Advice (+3 more), on 31.01.18
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Prior 6 April 2016 savings from bank and building society accounts were taxed automatically at the basic rate of income tax meaning that for basic rate tax payers there was no further tax to pay…….simple!
Gordon Kearney, Director and Financial Adviser
Posted in Protection on 29.11.17
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The lifestyle of our loved ones may be seriously compromised if we die. However, very worryingly, more than 2.4 million cohabiting families across the UK – the fastest-growing family type in the country – do not have life insurance, potentially leaving their loved ones open to financial problems once they pass away, according to new analysis[1].
Susie Laws, Senior Financial Adviser
Posted in Inheritance Tax, Discounted Gifts (+2 more), on 26.10.17
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The 2015 Summer budget announced the introduction of the residence nil rate band for inheritance tax. This measure introduces an additional nil-rate band when a residence is passed on death to a direct descendant. This is in addition to the standard Inheritance Tax Nil Rate Band (NRB) of £325,000 per person and is designed to give a married couple a combined IHT free amount of £1m on death from 6th April...
Susie Laws, Senior Financial Adviser
Posted in Inheritance Tax, Discounted Gifts (+1 more), on 17.01.18
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If you have significant assets, you may be wondering whether Inheritance Tax (IHT) affects you. Worryingly, some families appear to be shying away from difficult conversations, as almost half (47%) of UK adults say they have never discussed inheritance matters, according to new research[1].
Gordon Kearney, Director and Financial Adviser
Posted in Investing on 17.01.18
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It is impossible for investors to predict the future. Short-term losses can be unsettling, but holding steady through the ups and downs is the best way to reach your long-term investment goals. A key to successful investing is to remain focused on your long-term objectives and not let short-term trends distract you. Holding onto your investments when times get tough is a proven strategy for staying on track.
John Millican, Managing Director and Financial Adviser
Posted in Pensions & Retirement, Pension Contributions on 04.02.17
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It is impossible to consider retirement, and our experience of it, without also considering how we’ll pay for it. But almost 30% of people over the age of 55 are unsure if they will be able to retire on their current savings, according to new research[1].
Susie Laws, Senior Financial Adviser
Posted in Final Salary Pensions, Pensions & Retirement on 20.10.17
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For those individuals who have been lucky enough to benefit from the Final Salary (Defined Benefits) pensions framework during their careers (known as “members” from here on in), there are some potentially difficult decisions to make regarding how and when they choose to access their benefits.
Daniel Kern, Senior Financial Adviser
Posted in Fiducia News, Pensions & Retirement (+1 more), on 11.10.17
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The new rules of deferring your pension
If you are retiring after April 6, 2016 and decide not to claim your state pension immediately, when you finally do the amount you receive will be increased.
The amount of the increase is 1% for each nine weeks you defer, therefore, a deferral for one year would enhance a pension by just under 5.8%. A full state pension of £159.55 would increase over the year by £9.22 a...
Susie Laws, Senior Financial Adviser
Posted in Fiducia News on 05.10.17
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Will the new retirement rule of ‘no rules’ offer people a better financial future?
Following pension reforms, there are now more options for using your private pension pot. Since April 2015, some people over 55 have greater freedom in how they can access their pension pots – the money they’ve built up during their working life.
Gordon Kearney, Director and Financial Adviser
Posted in Investing, Saving & Investing for Children on 26.09.17
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How certain innate behavioural traits influence our decision-making.
Daniel Kern, Senior Financial Adviser
Posted in Investing, Pension Contributions (+1 more), on 19.09.17
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Getting ready to slow things down. One of the critical aspects of retirement planning is how you structure your financial
affairs to make sure you have sufficient money if and when you stop working.
Richard Heath, Senior Paraplanner
Posted in Pensions & Retirement, State Pension on 14.09.17
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Will you be one of the millions of workers who will have to work an extra year before retiring after the Government announced that it would be extending the retirement age to 68? New plans announced in July this year mean that the rise in the State Pension age to 68 will now happen in 2039, affecting people born between 6 April 1970 and 5 April 1978.
The rise in the pension age will be phased in between 2037...
John Millican, Managing Director and Financial Adviser
Posted in Fiducia News on 04.09.17
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HM Revenue & Customs (HMRC) is obtaining an unprecedented amount of information about people’s overseas accounts,...
Richard Heath, Senior Paraplanner
Posted in Inheritance Tax, Residential Nil Rate Band on 29.08.17
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Effective estate planning can safeguard your wealth for future generations
Daniel Kern, Senior Financial Adviser
Posted in Long Term Care, Equity Release on 09.08.17
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‘The tragedy of old age is not that one is old, but that one is young’
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