Financial Advice UK, News/Blog

Fiducia Wealth Management Posted in Financial Planning on 30.04.26 Read With the youngest of the baby boomers now in their early 60s, business owners in this generation could benefit from considering exit strategies if they haven’t already.

An article in the Guardian (29 March 2026) notes that as small business owners prepare to retire, their companies could disappear. After you’ve dedicated so much time to your business, you might want to take steps to create a lasting legacy,...

Fiducia Wealth Management Posted in Tax Planning on 30.04.26 Read As a business owner, how you pay yourself matters. Doing so without considering the tax implications could mean you miss opportunities to make your income more efficient.

There isn’t a one-size-fits-all solution that will be suitable for every business owner. It will depend on your needs, long-term goals, and the structure of your business, which might also affect what’s appropriate. Seeking tailored...

Fiducia Wealth Management Posted in Inheritance Tax on 30.04.26 Read Inheritance Tax (IHT) is a growing concern for many people in the UK, with increasing numbers of estates facing a rising tax liability.

Each year, the amount of IHT paid to HMRC is increasing. By 2030/31, the Office for Budget Responsibility (February 2026) forecasts that IHT receipts will reach £14.5 billion, up from £8.3 billion in 2024/25.

Frozen tax-efficient allowances are a key driver behind this trend....

Fiducia Wealth Management Posted in Fiducia News on 30.04.26 Read If you’re planning to take a career break, being proactive could help you keep your pension and long-term plans on track.

Many people taking a career break will consider the effect on their short-term finances, such as how they’ll pay essential bills and if they’ll need to dip into savings. However, they may not consider the potential long-term implications of pausing pension contributions.

A two-year...

Fiducia Wealth Management Posted in Wealth Management on 30.04.26 Read Building wealth without a financial plan may be like searching for a destination without a map. You might miss the most efficient route, take an unnecessary detour, or miss your intended target altogether. A clear plan could be essential for helping you reach your goals.

If you’re simply accumulating wealth, your assets don’t have a clear structure. Seeing the balance in your bank account rise can be...

Fiducia Wealth Management Posted in Financial Planning on 30.04.26 Read Like inflation, lifestyle inflation could affect your finances, and you might not be aware of the effects straightaway. Find out how it might impede your ability to reach your goals and some ways to manage it.

Lifestyle inflation refers to the tendency for spending to increase as your income rises. Often, this spending goes on luxuries, which may come to be perceived as essentials as you become accustomed to...

Fiducia Wealth Management Posted in Financial Planning on 07.04.26 Read National Walking Week is held in May, an annual event designed to get the nation on their feet. It’s designed to encourage people of all ages to enjoy some of the many health benefits of walking, including: Improving your mood Helping you sleep better Boosting your immune system Easing muscle pain and stiffness Helping with weight management.

According to the British Heart Foundation, it can also reduce...

Fiducia Wealth Management Posted in Financial Planning on 07.04.26 Read As the tax burden increases, more landlords are choosing limited company structures. Discover the advantages and drawbacks of setting up a company to manage your property portfolio.

According to a report from Paragon Bank (16 March 2026), 43% of mortgaged buy-to-let property purchases in 2025 were through a limited company. This compares to 35% in 2024 and just 7.5% in 2018.

So, as a landlord, is a limited...

Fiducia Wealth Management Posted in Pensions & Retirement on 07.04.26 Read Research suggests that many small business owners and self-employed workers aren’t prioritising their retirement and could face uncertainty later in life as a result. However, opening a pension could benefit both you and your business.

According to an article from Which? (1 March 2026), people who have spent most of their working life as self-employed are three times more likely not to have a private...

Fiducia Wealth Management Posted in Fiducia News on 07.04.26 Read As Christopher Nolan’s much-anticipated new film, The Odyssey, is due to hit cinemas in the coming months, we can expect a resurgence in interest in the classical Greek myths.

Telling the story of Odysseus’s journey home after the battle of Troy, the film brings Homer’s epic poem to the big screen. The hero faces a multitude of challenges along the way, clashing with sea monsters, Sirens, the Cyclops, and...

Fiducia Wealth Management Posted in Financial Planning on 07.04.26 Read Deciding how you’d like your assets to be managed later in life and after you pass away may be intimidating. However, a cashflow model could help you answer both financial and emotional questions, so you’re in a better position to tackle your estate plan.

According to a survey conducted by Aegon (5 March 2026), 1 in 3 UK adults has done nothing to prepare for death. Even among adults who have taken steps to...

Fiducia Wealth Management Posted in Investing on 07.04.26 Read The current situation in the Middle East has led to market volatility. While it might seem new, similar movements have happened before, and looking at how these events have affected investor behaviour could be useful.

At the end of February 2026, the US and Israel launched strikes on Iran, which have further escalated. The uncertainty caused by the war has affected market confidence, leading to falling prices.

Fiducia Wealth Management Posted in Investing, Market Commentary on 17.03.26 Read In February 2026, ongoing uncertainty around trade tariffs and concerns about the impact of AI adoption on business profits affected the markets. Read on to discover some of the factors that may have affected your investment portfolio. Markets reached record highs but were affected by AI concerns and trade tariffs

The FTSE 100, an index of the largest companies listed on the London Stock Exchange, was off to a...

Fiducia Wealth Management Posted in Pensions & Retirement on 17.03.26 Read For most of our lives, education is often a means to an end. It’s how we gain qualifications, prepare for work, and advance in our careers.

But learning new skills and knowledge can also deliver numerous benefits in retirement. It can often be enjoyable and create opportunities to socialise, while helping to keep your mind active and potentially improve your overall wellbeing in later life.

However, studies...

News

4 exit options baby boomer business owners might want to consider

Tax-efficient ways for business owners to pay themselves

How the value of your estate affects a key Inheritance Tax allowance

How to take a career break and keep your pension on track

Wealth v strategy: Why a financial plan is essential

How to manage lifestyle inflation to keep your long-term goals on track

6 epic UK walks to take on in 2026

Should landlords set up a limited company to manage their property portfolio?

How to plan for retirement as a small business owner

7 timeless financial planning lessons you can discover in classic Greek myths

5 ways a cashflow model could support your estate plan

What past market volatility has taught us about investor behaviour

Investment market update: February 2026

5 ways to keep learning throughout retirement

The Capital Gains Tax essentials you need to know

Explained: Why your pension could become liable for Inheritance Tax

How cashflow modelling can act as an early warning system for financial shocks

The positive psychology of clear financial goals

Is Your Estate Heading for an Unexpected Inheritance Tax Bill?

The money lessons you can teach children at every stage to boost their financial literacy

6 in 10 over-45s are underestimating the cost of care by thousands of pounds

The power of pension tax relief and how it could boost your retirement income

How a financial plan could help you feel in control following a divorce

3 insights from the FTSE 100’s performance that could help you curb impulsive decisions

The new year financial resolution you will keep

Why business owners may want to consider a pension alongside their exit strategy

Gifting to reduce an Inheritance Tax bill? Here are 5 things to check first

2 reasons to combine your financial plan with your partner’s