News
How to Save & Invest for Children
Posted in Financial Planning, JISA (+6 more), on 20.06.22 Read Saving and investing for children, can be an important part of a well-rounded financial plan. It is possible to improve your own tax efficiency whilst providing a tax efficient savings pot for your children’s and grandchildren’s future.Whether you’re looking to start a savings account for your child, or to identify the best way to save for your grandchildren, setting aside money for children not only...
Developments in Dedham – May 2022
Posted in Fiducia News, Awards (+1 more), on 30.05.22 Read With Spring shortly coming to an end and summer readying itself to commence in June, we thought it best to provide an update on the comings and goings here at Fiducia. As the saying goes, make hay in May, well here we are, making the most of the opportunities the year has brought thus far. We hope you are too.If you’ve been following our Developments in Dedham blog, you’ll be aware of the great start to the...
How to make things easier for your loved ones in the future
Posted in Financial Planning, Financial Advice (+5 more), on 27.05.22 Read Whilst we all go about our day-to-day business, there is an elephant in every single room we enter. We cannot always see it, but it can always see us and there are times when our lives brush past it and we emerge unscathed.If you haven’t realised by now, the elephant in the room is in fact death – a topic no one likes to address. Whether we like to talk about it or not, the fact is this – it will catch up...
Under the Spotlight – Fund Manager Q&A
Posted in Financial Planning, Fund Manager Q&A (+3 more), on 26.05.22 Read The financial marketplace continues to experience such unprecedented upheaval. Eye’s have moved from the impact of the Covid-19 pandemic to the turbulence a Russian invasion of Ukraine has had on economies and financial markets alike. Our Investment Committee are working continuously to adapt our portfolios to accommodate and protect against the global fluctuations/challenges presented in the marketplace. We...Control your spending habits and budget
Jack Walmsley, Chartered Financial Planner
Posted in Financial Planning, Financial Advice (+4 more), on 30.03.22
Read
One of the first questions a financial adviser asks a potential new client is ‘What are your financial goals?’. Whilst many will think of owning a super yacht, others will ultimately think of financial freedom. Achieving financial freedom isn’t easy, it requires budgeting and forming better spending habits.
A few years back I heard of a 30-day technique which involved not buying something for 30 days...
Soaring inflation and Real Assets – a match made in heaven?
Posted in Financial Planning, Fiducia News (+5 more), on 11.04.22 Read We would need to delve back into past times to understand what life with high inflation looks like, because let’s face it, a bulk of the UK working population haven’t ever witnessed such a time. Of course, there are still plenty who can recall the 1970’s inflation boom and the measures taken by a Margaret Thatcher led government to address the issue.
But first, let’s recap on what inflation actually is....
Developments in Dedham – March 2022
Posted in Fiducia News, Awards (+1 more), on 21.03.22 Read There’s an old Ukrainian proverb which reads “with patience it is possible to dig a well with a teaspoon”. At this time, whilst the people of Ukraine find themselves besieged by Russian troops, it is the message of optimism behind the proverb we should try our best to remember. Our thoughts remain with all those effected by the Ukraine situation.The arrival of spring coincides with the approaching end of...
The residence nil-rate band explained
Posted in Financial Planning, Residential Nil Rate Band (+8 more), on 17.03.22 Read The Residence Nil-Rate Band (RNRB) is an additional allowance for inheritance tax purposes on deaths occurring after 6 April 2017. The allowance was phased-in by the UK Government, starting at £100,000 in 2017 before gradually increasing to its current level of £175,000. It will remain available at this level up to and including the 2025/26 tax year.Guest Blog – Nordens Accountants – ‘Back to Normality’
Posted in Guest Editor, Tax Relief (+1 more), on 02.03.22 Read At Fiducia we’re always happy to share good content with our network of clients and followers from our friends in business. This month, Nordens – an accountancy firm based in Woodford Green – have provided an insight on what the removal of Covid restrictions mean as we get ‘back to normality’ and from a tax perspective, what it means for those no longer working from home full time.Fiducia Portfolio Update and Market Outlook – Feb 2022
Posted in Fiducia News, Investment Latest (+2 more), on 28.02.22 Read Market Update Since the end of last year and into the beginning of 2022, we have witnessed a large rotation of funds out of growth orientated tech, small and mid-cap stocks, to value orientated large cap stocks, primarily due to the anticipated rate hikes by the different Central Banks, which caused a slight correction in markets.Despite this sell off, we felt it was a healthy correction from the rather extreme...
Students of Framlingham College receive visit from Fiducia
Posted in Financial Planning, Charity (+2 more), on 14.02.22 Read On Friday 11th February Fiducia Co-Owner & Chartered Financial Adviser Susie Laws visited Framlingham College to talk personal finance with over 80 students.Developments in Dedham – January 2022
Posted in Fiducia News, Financial Advice (+1 more), on 04.02.22 Read To improve is to change; to be perfect is to change often – Winston ChurchillFirstly, a belated Happy New Year to all, 2022 has arrived and we are extremely excited for what the next twelve months have in store for us as a company. Change is constant in business and to some extent life too, at Fiducia we embrace change with both hands, more so over the past couple of months.
Our team have been extremely busy...
The Fiducia End of Tax Year ‘Checklist’
Posted in Financial Planning, Annual Allowance (+4 more), on 04.02.22 Read The end of the financial tax year will soon be upon us all (5th April) and time is running out to complete those tax year sensitive tasks. The end of tax year is of particular significance when managing your finances and investments and offers planning opportunities for every individual. At Fiducia Wealth Management we have put together an end of year checklist to help you get your finances in order and make the...Developments in Dedham – November 2021
Posted in Fiducia News, Awards (+2 more), on 30.11.21 Read “If I can’t do great things, I can do small things in great ways.” — Martin Luther King Jr, we’re sure many people can resonate with this in someway or another. As the best C-word approaches – Christmas, it’s doing the small things in great ways that matters.The month of November is known to be a beautiful month that acts as the boundary between autumn and winter. Here at Fiducia, November acted...
Fiducia Re-Starts Schools Initiative Programme
Posted in Fiducia News, Pension Contributions (+2 more), on 30.11.21 Read Not everyone likes to discuss their personal finances, but could this problem be down to the lack of understanding of finance across the UK? According to the S&P Global Financial Literacy Survey, only 1 in 3 adults are financially literate worldwide. With stats like this in circulation, here at Fiducia we are planning to help improve the numbers by re-launching our Schools Initiative programme.If you do not...
Personal Protection – what is it and is it worth it?
Posted in Financial Planning, Inheritance Tax (+2 more), on 18.11.21 Read Personal protections or life insurance policies are something most will put off until they really feel they should take it out, and to put it bluntly – that’s normally too late and follows a recent health scare.It’s somewhat understandable though given in today’s society, the concept of insurance has become shrouded with negativity. Most people feel forced into it – the legal requirement for car...
Under the Spotlight – Fund Manager Q&A
Posted in Fiducia News, Fund Manager Q&A (+2 more), on 09.11.21 ReadThe financial marketplace continues to experience such unprecedented upheaval. Our Investment Committee is working continuously to adapt our portfolios to accommodate and protect against any global fluctuations.
Like our own Investment Committee, the Portfolio Managers of the funds we invest into are having to address, adapt and evolve throughout this period too.
We recently caught up with Eustace Santa Barbara,...
Developments in Dedham – October 2021
Posted in Fiducia News on 05.11.21 Read Walt Disney once said “We keep moving forward, opening new doors, and doing new things because we’re curious and curiosity keeps leading us down new paths”. At Fiducia we’re continuously looking to do new things, this past month was no different and we did open a new door…literally.
Whilst our office refit was being completed by the excellent team at Source One, the entire team took a time out together...
Fiducia Adviser Insight – Robert Wood
Posted in Fiducia News, Wealth Management on 28.10.21 Read We recently announced a trio of new members to join Team Fiducia. One of which was the arrival of Robert Wood, a Financial Adviser who joined us following several years at Scrutton Bland.So who is Robert Wood?
Robert Wood or Rob as he prefers to be called, was born in 1985 and grew up in Harwich. Rob was one of 2 children in his family, he has a younger sister.
From a young age Rob developed a passion for...
Susie Laws – Financial Adviser of the Year 2 years running
Posted in Financial Planning, Awards (+2 more), on 12.10.21 Read Fiducia Wealth Management Co-Owner and Chartered Financial Adviser Susie Laws has won the 2021 Professional Adviser Women in Finance Award for Financial Adviser of the Year – Midlands & East Anglia for the second year running.This caps an eventful 12 months for the former paraplanner.
Joining Fiducia a little over 4 years ago, Susie’s career has done nothing but speed its way to higher heights year after year....
Under the Spotlight – Fund Manager Q&A
Posted in Fiducia News, Market Commentary (+1 more), on 12.10.21 ReadAs the UK and the rest of the World begins to emerge to a life now posing the threat of Covid-19, the financial marketplace continues to experience such unprecedented upheaval. Our Investment Committee is working continuously to adapt our portfolios to accommodate and protect against the global fluctuations and challenges presented by Covid-19.
Like our own Investment Committee, the Portfolio Managers of the...
Developments in Dedham – September 2021
Posted in Fiducia News on 06.10.21 Read ‘Just like that’ said Tommy Cooper and something similar could be heard around our offices during September as the month seemed to whizz by with a flurry of events unfolding here at Fiducia.Our growth plans continue on track and this month we’re pleased to announce the arrival of three new people joining the Fiducia team.
Our office refit has firmly begun, this is something both Gordon and Susie have been...
Where in life is financial advice needed?
Posted in Financial Planning, Fiducia News on 29.09.21 Read It’s a common misconception that only wealthy people have the need for a financial adviser. It goes without saying the more affluent a person is, the more likely they are to seek financial advice. This isn’t down to an individual having wealth they wish to protect, invariably it’ll have something to do with it, but affluent people are more likely to make better decisions where their money is...Adviser Insight: Susie Laws – How I manage my money
Susie Laws, Director & Chartered Financial Planner
Posted in Financial Planning, Annual Allowance (+3 more), on 23.09.21
Read
Typically, people ask me how I’m going to manage their money, how I can assist them in protecting their wealth and leaving a legacy for their family after the inevitable happens and they are no longer alive. Looking back, I’ve always treated clients’ money the same way I would my own.
Whenever a new client comes along, however that may be, there’s always the information gathering phase – the normal...
Under the Spotlight – Fund Manager Q&A
Posted in Fiducia News, Fund Manager Q&A (+2 more), on 14.09.21 ReadWith the financial marketplace experiencing such unprecedented upheaval, our Investment Committee is working continuously to adapt our portfolios to accommodate and protect against the global fluctuations and challenges presented by Covid-19.
Like our own Investment Committee, the Portfolio Managers of the funds we invest into are having to address, adapt and evolve throughout this period too.
We recently caught...
Developments in Dedham – August 2021
Posted in Fiducia News on 31.08.21 ReadLike most August months, there’s been holidays, the West Mersea Regatta and this year we have invested further into our local community.
August is always a busy month here at Fiducia, this year was no different.
With the team taking annual leave throughout the month to spend time with their family, holidaying or just having a time out, everyone has worked collectively to deliver outstanding work for our...
Fiducia Supports New British Cycling Event in Colchester
Posted in Fiducia News on 23.08.21 ReadWe are really pleased to announce our latest efforts to support the local community here in Colchester is through our sponsorship of the Senior 3/4 series in the first of its kind British Cycling Event – the Colchester Centurion Autumn Race Series.
The series is a fantastic opportunity for keen cyclists of all ages from 8 years old to participate in competitive races at a brand new facility.
What is the...
