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News

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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....

Balancing your goals: How a financial plan could help you juggle different priorities

Fiducia Wealth Management Posted in Financial Advice on 08.07.26 Read Most people will have multiple financial goals they want to achieve. A common challenge is balancing these competing goals and understanding how to use your assets to work towards them. It’s an area that a financial plan could help you with.

Over the last few months, you’ve read about short-, medium-, and long-term goals that might be important to you and different financial strategies that suit each time...

5 life lessons from Sir David Attenborough

Fiducia Wealth Management Posted in Financial Planning on 04.06.26 Read On 8 May 2026, Sir David Attenborough celebrated his 100th birthday. 

A longtime protector of and advocate for our planet’s wildlife, even in older age, he maintains a profound passion for nature and a drive to change the world for the better.

Over the years, he has imparted his wisdom, worldviews, and personal philosophy through our radios and television screens. 

Inspired by his own words, here are five...

How to continue embracing adventure in retirement

Fiducia Wealth Management Posted in Pensions & Retirement on 04.06.26 Read If you’re yearning for an adventure in retirement, this chapter of your life doesn’t have to mean putting your feet up and embracing a slower pace of life. Whether you’re keen to explore new destinations or try your hand at a new activity, there can still be adventures around the corner. 

While the stereotype of a retiree might focus on a more sedate lifestyle, you can make your retirement what you want it...

4 practical reasons why business owners could benefit from a pension

Fiducia Wealth Management Posted in Pensions & Retirement on 04.06.26 Read For many UK business owners, retirement planning takes a back seat to growing the business itself. 

Indeed, according to Financial Planning Today (27 April 2026), 3 in 10 business owners have no pension at all.

When you’re focused on managing cash flow, staff, and profits, it’s easy to assume the eventual sale of your business will provide everything you need for retirement. But relying solely on your...

Why the State Pension triple lock matters for retirees

Fiducia Wealth Management Posted in Pensions & Retirement on 04.06.26 Read The triple lock increases the State Pension year-on-year to protect pensioners from the effects of inflation. 

Learn how the triple lock works, how it benefits retirees, and two additional strategies you might use to mitigate the effect of inflation on your personal pension wealth alongside your State Pension.

The triple lock ensures your State Pension income rises each year

The triple lock came into force to...

5 questions to answer before you withdraw a pension lump sum to reduce Inheritance Tax

Fiducia Wealth Management Posted in Fiducia News on 04.06.26 Read From 6 April 2027, many unused pension pots will be included in Inheritance Tax (IHT) calculations.

Since the government announced the change in the 2024 Autumn Budget, an increasing number of people have opted to withdraw their tax-free lump sum from their pension as soon as they can. 

Currently, you can access your pension from age 55 (rising to 57 from April 2028). According to MoneyWeek (9 April 2026), the...

Why you could benefit from reviewing your financial habits as you transition into retirement

Fiducia Wealth Management Posted in Pensions & Retirement on 04.06.26 Read Retirement is a significant life transition. Some of the financial habits that served you well during your working life might no longer suit your retirement lifestyle.

Sticking to your current financial habits could mean you miss out on opportunities to enjoy your retirement, or even mean you risk using up your savings too soon. Read on to find out why. 

The shift to depleting assets can be difficult for some...

Your reviews have landed us a spot in the Telegraph

Fiducia Wealth Management Posted in Fiducia News on 22.06.26 Read As you may know, your reviews helped us secure a coveted spot in the VouchedFor Top Rated guide. The guide featured in the Times earlier this year, and now it will be included in the Telegraph on 24 June 2026.

We’d like to thank everyone who has left a review and helped us be named among the top financial advice firms. We now have 371 reviews from real clients giving us a score of 4.8 out of 5.

Our team loves...

4 exit options baby boomer business owners might want to consider

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,...

Tax-efficient ways for business owners to pay themselves

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...

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

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....

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

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...

Wealth v strategy: Why a financial plan is essential

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...

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

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...

6 epic UK walks to take on in 2026

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...

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

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...

How to plan for retirement as a small business owner

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...

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

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...

5 ways a cashflow model could support your estate plan

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...

What past market volatility has taught us about investor behaviour

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.

Investment market update: February 2026

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...

5 ways to keep learning throughout retirement

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...

The Capital Gains Tax essentials you need to know

Fiducia Wealth Management Posted in Tax Planning on 17.03.26 Read The amount of Capital Gains Tax (CGT) investors collectively pay is set to soar over the next six years.

According to a Telegraph article (11 December 2025), the Office for Budget Responsibility (OBR) has adjusted its estimate for how much will be raised through taxes, including CGT.

The OBR now predicts revenue from CGT will reach £114 billion between the 2025/26 tax year and 2029/30 – an increase of £6...

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As an Independent Financial Adviser (IFA) Fiducia Wealth Management provides first class financial and investment advice from our offices in Dedham, near Colchester on the Essex Suffolk border and in Chelmsford, Essex. Fiducia Wealth Management Ltd is authorised and regulated by the Financial Conduct Authority. This site is for information only, and does not constitute financial advice.

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