News
The pandemic’s financial planning boost
Posted in Financial Planning, Fiducia News (+2 more), on 26.04.21 ReadWhile the pandemic has wrought much damage financially to families, individuals and businesses, it’s worth looking closer at how the restrictions and emergency measures have affected our approach to financial planning and personal finances more generally.
Research for Indesser, a joint venture between the Cabinet Office and TDX Group, has shown that over half of consumers (53%) have improved their financial...
Guest Editor: Things to consider for your Tax Return 2020/21
Posted in Financial Planning, Financial Advice (+2 more), on 19.04.21 Read This month’s guest blog post comes from Lucy Orrow, Senior Tax Manager at Lambert Chapman LLP Lucy has compiled a list of things to think about when collating your tax return information this extraordinary year. While the content for Self Assessment and Tax Returns might not be relevant to the majority of clients it may well be for friends and family.FOR THOSE STILL EMPLOYED:
If you have been asked to work...
Team Talk – Cheryl Bourne
Posted in Financial Planning, Fiducia News (+2 more), on 12.04.21 Read There are many things that make Fiducia a little bit different, such as our beautiful location in the heart of the Dedham Vale countryside, but it’s the value of our dedicated team that makes the Fiducia family so special. When did you join the Fiducia team and in what role?I joined Fiducia Wealth Management on 18th January 2021 as Client Servicing Administrator
What would you do (for a career) if you...
Fund Manager Q&A: Worldwide Health Care Trust
Posted in Financial Planning, Fiducia News (+3 more), on 05.04.21 ReadAs part of our ongoing client communications, we like to regularly post quarterly Fund Manager Q&As, in an effort to give a little insight into the strategies of some of the managers within our portfolios. With 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...
Developments in Dedham – Happy Easter
Posted in Fiducia News, Charity (+1 more), on 29.03.21 ReadThe last few months have been difficult for everyone and we would like to start by wishing good health for you and your loved ones. During this time, we have remained focused on the needs of our clients and have been working hard to maintain our service to you through the current COVID-19 Coronavirus outbreak.
However, as we approach Easter we believe you will share in our optimism that the future is looking...
Retirement Pillars: how to diversify your retirement savings
Josh Gupta, CFP™ Chartered MCSIChartered Wealth Manager/Planner Posted in Financial Planning, Fiducia News (+2 more), on 22.03.21 Read
‘My house is my pension’
‘My business is my pension’
‘I will get full State Pension’
‘I am enrolled in a work pension scheme’
These are some common statements we hear regarding retirement planning. Previous generations relied on guaranteed work pensions, well-funded Social Security benefits and increasing property prices. It’s worth remembering that life expectancy was lower at this time, and...
Guest Editor: How to be a successful First Time Buyer in 2021
Posted in Fiducia News, Guest Editor on 15.03.21 Read This month’s guest blog post comes from Howard Reuben, principal and founder of HD Consultants. While the content for first time Buyers might not be relevant to the majority of clients it may well be for children and grandchildren.In an ideal world, you could buy a property for cash, with no restrictions on purchase price, location or credit issues.
However, in the real world, for most people, the type of...
Investing, Asia and Community action – an interview with Bill Hayton
Posted in Fiducia News, Investing (+2 more), on 08.03.21 ReadInvesting is intrinsically linked to global politics, industry, history and culture and the relationship between these factors is what makes it such a fascinating topic, besides a potentially very rewarding process. Gordon Kearney, Managing Director of Fiducia, recently had a conversation with Bill Hayton, one of the trustees of our charity of year, Citizens Advice Colchester (CAC), and also a prolific author and...
Inflation and interest rates – a guide for cash savers
Josh Gupta, CFP™ Chartered MCSIChartered Wealth Manager/Planner Posted in Financial Planning, Fiducia News (+4 more), on 22.02.21 Read
What can be said about inflation and interest rates? The numbers speak for themselves. The Bank of England current base rate is 0.1% and target inflation rate is 2%.
In other words, if you were to start with £50,000, based on an inflation rate of 2% per year, the estimated value of your money in ten years’ time might be £41,017.
Even though the current inflation rate is 0.6% (down from 2.75% in 2017), it’s...
Fund Manager Q&A: Foresight Global Infrastructure Fund
Posted in Fiducia News, Financial Advice (+2 more), on 01.03.21 ReadAs part of our ongoing client communications, we like to regularly post quarterly Fund Manager Q&As, in an effort to give a little insight into the strategies of some of the managers within our portfolios. With 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...
Tax year end planning 2020/21 – our top 10 checklist
Posted in Financial Planning, BPRA | Inheritance Tax | Fiducia Wealth Management (+9 more), on 15.02.21 ReadThe past year has been incredibly unpredictable, but one thing that’s guaranteed is taxes. We know that the emotional strain of ‘Covid fatigue’ has only exacerbated financial worries but financial planning leads to peace of mind. Believe us, that’s what we do.
With tax year end just around the corner, one way to relieve any unnecessary anxiety is to get any tax year planning in order. February is a good...
Fund Manager Q&A: Royal London Sustainable Trust
Posted in Investing, ESG (+3 more), on 08.02.21 ReadAs part of our ongoing client communications, we like to regularly post quarterly Fund Manager Q&As, in an effort to give a little insight into the strategies of some of the managers within our portfolios. With 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...
Pension planning – Defined Benefit transfer advice
Richard Heath, Director & Senior Paraplanner
Posted in Financial Planning, Final Salary Pensions (+4 more), on 01.02.21
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What is a DB or Final Salary Pension?
Broadly there are two types of pensions, Defined Contribution (DC) and Defined Benefit (DB). The former is where you (and often your employer) pay a monthly amount into a pension pot. The funds are invested and the pension which you can draw in retirement will depend on how much you put in and the growth that you get on the funds. This is by far the more commonplace and...
Josh Gupta attains Fellowship status with the CISI
Posted in Financial Planning, Awards (+2 more), on 19.01.21 ReadWhat doesn’t get measured doesn’t improve.
Chartered wealth manager Josh Gupta is a great believer in this adage and this month demonstrated his own commitment to continued professional development by attaining Fellowship status.
Fellowship involves completion of advanced professional programme and establishes in-depth knowledge. It also demonstrates the ongoing commitment to professional development, which...
Fiducia chooses Citizens Advice Colchester (CAC) as their Charity of the Year
Posted in Fiducia News, Charity on 25.01.21 ReadWe are very pleased to announce that our chosen charity for 2021/2 is Citizens Advice Colchester (CAC). CAC was founded in 1939 to help the people of Colchester and its surrounding area cope with the challenges of war. The times and the problems change but CAC is still with us and still helping local people. For many years, Fiducia has positioned itself and its values at the very centre of our clients’ lives,...
Fiducia is nominated for the City of London Wealth Management Awards (COLWMA)
Posted in Fiducia News, Awards on 18.01.21 ReadAs a Chartered, multi-award-winning firm, we are continually striving to not only maintain our status but to rise above and challenge ourselves in terms of our standard of service. This is especially important in a profession in which transparency and trust determine reputation. As a company offering investment services, Fiducia Wealth Management Limited was nominated in the City of London Wealth Management...
New Year, New Approach?
Susie Laws, Director & Chartered Financial Planner
Posted in Investing, ESG (+4 more), on 05.01.21
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You can’t go far in our modern world without reading or hearing about the shift in attitudes towards “ESG” investing. You might wonder, ‘what is ESG investing’ and why should I take notice?
Firstly, ESG stands for Environmental, Social, and Governance. Investopedia defines these as:“Environmental, social and governance (ESG) criteria are a set of standards for a company’s operations that socially...
Lessons Learned from 2020 – wealth wisdom for a happier New Year
Posted in Financial Planning, Fiducia News (+1 more), on 07.12.20 ReadAs this unprecedented year draws to a close and world continues to struggle with the financial and economic fallout of the COVID-19 pandemic, there’s no question that it has served as a financial wake-up call for many. Even those who will emerge relatively unscathed from a financial perspective have not escaped the worry and anxiety that accompanies living through challenging times. While investors have...
The Artistic Elves – the winners
Posted in Fiducia News on 14.12.20 ReadLast month we launched a competition to design Fiducia’s Christmas cards for 2020 and called upon our clients and friends to recruit some artistic elves.
Well, we’ve been inundated with sleigh-fulls of colourful, cheery and beautifully designed cards featuring Santas, Reindeer and Christmas trees, not forgetting the smart penguin, jolly snowman and the Fiducia logo Christmas tree baubles!
It’s certainly...
The value of advice: 4 benefits of using a financial adviser
Posted in Financial Planning, Fiducia News (+3 more), on 14.12.20 ReadOne of the most common concerns about using financial advice services is cost. It’s often because individuals are purchasing intangible items, such as the potential for better investment returns or, sadly, because much of the profession has been tarnished by a few players who’ve not showed transparency in fees.
However, the benefit of taking financial advice runs deeper than simply the potential for better...
Saving for a child today is a wonderful gift for their future
Susie Laws, Director & Chartered Financial Planner
Posted in Financial Planning, Fiducia News (+4 more), on 23.11.20
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We all know that it can be difficult for the next generation to achieve certain milestones and getting that first step on the housing ladder is probably the most obvious one. When we work with our clients, we are often asked how they can put something aside for their children or grandchildren.
Recent research shows that, on average, parents in the UK are putting aside £42.45 a month for each child. Source: L&G...
Case Study: Defined Benefit Pension review
Posted in Financial Planning, Fiducia News (+2 more), on 30.11.20 Read BackgroundMr White (60 yrs.) approached Fiducia to conduct a review on his pension arrangements since he was not in the best of health and was considering taking early retirement. He had one small personal pension and one final salary pension. Mr White had very little knowledge on his retirement options and wanted some help to understand how his retirement was going to look. He was not married and had no...
The Fiducia Christmas card competition is open!
Posted in Fiducia News, Charity on 27.10.20 Read Calling all artistic elves. Please help!Fiducia Wealth Management Ltd embarks on a new chapter, following a Management Buyout
Posted in Fiducia News on 19.10.20 ReadFiducia is delighted to announce that Fiducia has entered a new chapter, having recently undergone a management buyout (MBO).
The majority of the business is now owned by Directors Susie Laws and Gordon Kearney, after the founder and Executive Chairman, John Millican, sold a majority stake earlier this year.
Established in 2006, Fiducia has earned a loyal client base across the region, while holding the...
Planning for retirement – It’s never too early
Josh Gupta, CFP™ Chartered MCSIChartered Wealth Manager/Planner Posted in Financial Planning, Pensions & Retirement (+1 more), on 02.11.20 Read
Statistics projected by Office for National Statistics (ONS) have indicated that the UK’s population is ageing. It shows that in 50 years’ time, there would be an additional 8.6 million people aged 65 years and over – a population roughly the size of New York. Most people associate the age 65 with Retirement – a new beginning, free from the responsibilities of one’s profession. As humanity has progressed, the...
Fiducia Wealth Management Has Financial Adviser of the Year
Posted in Financial Planning, Awards (+2 more), on 12.10.20 ReadIn a world in which good news is at a premium, we consider this team news very valuable indeed.
The team at Fiducia couldn’t be more proud or delighted that Chartered Financial Planner & Director Susie Laws took home the award for Financial Adviser of the Year: Midlands and East Anglia at the Women in Financial Advice Awards at a virtual ceremony last week.
The category was open to women whose achievements and...
Stay connected with us on social media. Do you follow Fiducia?
Posted in Financial Planning, Financial Advice (+1 more), on 26.10.20 ReadCommunication is the lifeblood of our business, especially at times like these when life and processes are disrupted. We feel it plays an integral role in building a powerful relationship with you, our clients, connections and friends. Some of our clients who have been with us the longest, will still rely on communicating via post, while others will be happy with emails or face to face meetings.
However, with...
