Wealth Management & Wealth Preservationaward-winning financial advice from the heart of constable country
Josh Gupta, Certified Financial Planner ™
Posted in Investing on 25.09.18
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Impact investing without sacrificing returns or profits
For those looking to make the world a better place, but not wanting to sacrifice returns or profits, impact investing aims to support a positive social or environmental impact as well as looking to achieve compelling financial returns at the heart of sustainable investing.
Daniel Kern, Senior Financial Adviser
Posted in Fiducia News, Protection on 27.09.18
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Families can be left in a precarious situation if the unforeseen were to happen
We all intend that our plans will come good. But making sure that you and your family can cope if you fall ill or die prematurely is something we can too easily put to one side. In particular, a recent study identified that financial protection is something that millions of fathers in the UK, and their families, could benefit from.
Susie Laws, Senior Financial Adviser
Posted in Fiducia News, Pension Contributions (+1 more), on 25.09.18
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Workers extend their careers for a multitude of reasons
When do you plan to retire? Saving for your retirement is a lifelong undertaking – and if you want to enjoy a comfortable retirement, you can’t start planning soon enough. The more you contribute to a pension now, the better chance you’ll have of that money growing and funding your retirement in later life.
Josh Gupta, Certified Financial Planner ™
Posted in Fiducia News, Pensions & Retirement on 30.08.18
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Will I have enough money in retirement?
How much do I need to retire?
State Pension will cover my expenses. Won’t it?
Josh Gupta, Certified Financial Planner ™
Posted in Fiducia News, Pensions & Retirement on 30.08.18
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More retirees drawing pensions without LPAs
People are generally living longer these days. Increasingly, more people are living well into their 80s and 90s – and some even longer. This may mean you have a long time to budget for. That’s why it is very important to consider all of your options carefully and think about what will matter to you in retirement.
Daniel Kern, Senior Financial Adviser
Posted in Financial Advice, Wealth Management on 30.07.18
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How a simple list can help your loved ones after your death
Although it may not feel like it, your family finances are probably more precarious than you think. It’s all well and good when the breadwinners are healthy and working, but if something unfortunate were to happen, the outlook for those around you could change instantly.
Susie Laws, Senior Financial Adviser
Posted in Fiducia News, Pensions & Retirement on 30.07.18
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More than 100,000 people transferred out of Defined Benefit (DB) pensions in 2017/18[1]. A DB pension scheme is one where the amount you’re paid is based on how many years you’ve worked for your employer and the salary which you have earned.
Gordon Kearney, Managing Director and Financial Adviser
Posted in Fiducia News, Financial Advice (+1 more), on 30.08.18
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Getting the date right can help you reach your destination sooner
At some point you’ll say ‘goodbye’ to your co-workers, get into your car and drive towards the next phase of your life – retirement. But when will that be? The move to retirement is one of the most important decisions you’ll make, so it’s not surprising that determining the date is harder than you may ever expect.
Josh Gupta, Certified Financial Planner ™
Posted in Fiducia News, Pensions & Retirement on 30.07.18
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Visualising what really matters to you is the key to the planning process
Have you ever thought about writing a letter to yourself to describe your ideal future life, long-term life goals and the process of how to plan for them? Imagining what you want your life to be like in the long term when you retire can help you think much further ahead than you might ever have done before. Research conducted for a new...
Josh Gupta, Certified Financial Planner ™
Posted in Fiducia News, Pensions & Retirement on 05.07.18
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Have you accumulated multiple plans that need reviewing?
By the time we have been working for a decade or two, it is not uncommon to have accumulated multiple pension plans. There’s no wrong time to start thinking about pension consolidation, but you might find yourself thinking about it if you’re starting a new job or nearing retirement.
Josh Gupta, Certified Financial Planner ™
Posted in Tax Planning on 04.06.18
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New initiatives you need to know
It’s important to consider the tax implications of making financial decisions. The 2018/19 tax year is now upon us, and a raft of new changes have come into force. The good news is that the overall tax burden is little changed for basic-rate taxpayers, but there are number of areas that have changed that should be taken note of.
Daniel Kern, Senior Financial Adviser
Posted in Fiducia News, Pensions & Retirement on 20.07.18
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Keeping your target retirement plans on track
Most over-45s are not making plans to match their hopes for the future, according to research from Standard Life[1]. The vast majority (86%) of those aged 45 or over are already dreaming about escaping their working life for retirement, but only 8% of the same age group have recently checked the retirement date on their pension plans to make sure it is still in line...
Daniel Kern, Senior Financial Adviser
Posted in Tax Planning, VCT & EIS on 21.06.18
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Expansion and diversification of a portfolio, supplementing a pension or benefiting from tax relief are all good reasons to consider Venture Capital Trusts (VCTs).
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, Managing 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, Managing 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, Managing 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!
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